vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
I signed up for a XXXX XXXXr card with First Progress XX/XX/year>. The card has a {$29.00} annual fee after activation. I never activated the card. I never received any statements. 
I recently obtained a copy of my credit file only to find out that First progress has been reporting late payments to my credit file. I contacted them and they informed me that there were late fees and annual fees that hit the account, then the account was closed and they sent a refund payment of {$32.00}. I never received any checks or any statements, nor have I activated the account. No late fees or annual fees should apply to an account that was never activated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to dispute the collection account reported by Credit Collection Services on my credit report. This account was previously deleted and, according to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), any information that has been deleted must not reappear on my credit report unless it is verified as accurate and complete. Re-insertion of deleted information without proper certification is a violation of the FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you investigate this matter promptly and ensure the account is permanently removed from all reporting bureaus, as required by law. Please provide me with confirmation of your findings and the actions taken regarding this dispute. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD & ASSOCIATES INC. Reported negative collection account ( medical bills ) to my credit bureau when, in fact the debt is not mine. They refuse to help me and refuse to remove it from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filled out a form to correct the bank account for deposits from Synchrony. I informed Synchrony not to make any other deposits to the wrong account ahead of time. Synchrony withdrew funds from my account by mistake, and I could not solve the problem in the past XXXX weeks, so I need help. 

I have all emails back and forth with the following reps : XXXX XXXX XXXX XXXX Synchrony M : XXXX XXXX Book time with XXXX, XXXX ( Synchrony ) XXXX XXXX XXXX XXXX XXXX Synchrony XXXX XXXXXXXX M XXXX XXXX XXXX We are XXXX XXXX XXXX, ID : Merchant ID REVOLVING : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I received correspondence from credit acceptance a letter to verify validity of a contract. Information I received that was provided was not accurate information. signatures was forged for documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: DE

Complaint narrative:
XX/XX/year> - Placed an order with XXXX XX/XX/year> - I cancelled my order within policy XX/XX/year> - XXXX replied stating the order was cancelled and refunded then they ghosted me I sent this conversation to Klarna. 
I never received a product. 
Klarna is still saying this balance is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX, I was informed by a customer service representative from Self Financial that my secured credit card account had been hacked. As a result, the account was closed. For several months, I was unable to log in to make payments. I was told by the representative that the account would be closed and that late payments, late charges, and other fees would be removed. While some fees were removed, the late payments remained on my consumer report. 

I continued to reach out to Self Financial to inform them that the late payments had not been removed. XXXX years later, in XX/XX/XXXX, a member of the managerial team named XXXX finally contacted me. She apologized for the handling of my case and the delays. XXXX assured me that my account would be zeroed out and that the late payments would be removed from my report by XXXX. However, I still see late payments listed on my XXXX and XXXX reports. 

This situation has caused me significant harm and has devastated me, as I have been unable to obtain credit due to the ongoing late payments. Each month, a new late payment is reported, making it even more challenging for me to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The company repossessed the vehicle, so they should not be wanting any balances paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AL

Complaint narrative:
I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a penny on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " Con-Spire '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
its under bankruptcy i paid off 3 yrs ago they keep changing the status the debt adding amount or reporting the debt late they are using old debt to lower my score verifying old debt like XXXX XXXX they are doing it with several of my bankruptcy accounts ive had to sue XXXX venders I'm asking you to take notice to all three credit bureau doing this when i dispute it they are reporting items in my bankruptcy account late payment or they will put amount or code for creditors or lenders to see. i sent each bearu 8 pages of disputes to all three XXXXthey XXXX reported XXXX 30 days ago as write off i ask them for 1099C Schedule the debt disappeared from my credit now it with another company with a different amount XXXX this all happened in the middle of dispute XX/XX/year>2024. Equifax XXXX and XXXX. I'm asking you to investigate why they are assisting the companies to put false amounts on my report and i have ask for documents when i catch them in a lie them they are aloud to change the lie and creditor amount and not give me a response that ask for creating false reports and writing debt off to IRS and selling it to collections agencies and the credit bureau know exactly what i asking for and they are assisting them. defrauding the Govenment!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
its under bankruptcy i paid off 3 yrs ago they keep changing the status the debt adding amount or reporting the debt late they are using old debt to lower my score verifying old debt like XXXX XXXX they are doing it with several of my bankruptcy accounts ive had to sue two venders I'm asking you to take notice to all three credit bureau doing this when i dispute it they are reporting items in my bankruptcy account late payment or they will put amount or code for creditors or lenders to see. i sent each bearu 8 pages of disputes to all three .they XXXX reported XXXX 30 days ago as write off i ask them for 1099C Schedule the debt disappeared from my credit now it with another company with a different amount XXXX this all happened in the middle of dispute XXXX XXXX 2024. XXXX Experian and XXXX. I'm asking you to investigate why they are assisting the companies to put false amounts on my report and i have ask for documents when i catch them in a lie them they are aloud to change the lie and creditor amount and not give me a response that ask for creating false reports and writing debt off to IRS and selling it to collections agencies and the credit bureau know exactly what i asking for and they are assisting them. defrauding the Govenment!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
You accepted a trusteeship and created a fiduciary obligation for the trust. I'd like to know who used my information to set up an account with net credit as this is not my account As I have never had a account with you. You did not have my consent to make an profile in my name breach of contract. The application is the securities as it's face value meaning the car has been pre paid this was not a installment loan this was a consumer credit transaction as I extend credit to you in good faith 15 USC 1681 adverse action I can't be denied a extension of my own credit Federal reserve section 1 & 2 explains the whole process that your company failed to operate under 12 USC 1431 say all the duty 's of the banking system as the bank can only borrow no were on the application does it say I was the borrower so the bank is acting as the trustee in this contract and I have the right to contact it's securities attached to this account and I'd like to know who is the owner as the bank is acting as the trustee only the board of governors at the federal reserve can deny my request so if u can please provide me with a name that came up with the decision to deny me and the name of the person who made a account in my name and can I please have the full number that's ending with 5423 that attached to my account as they acting as my beneficiary with our my consent 15 USC 1605 say down payment are illegal I'd like to offer set the accounts associated with net credit please provide me with the binding contract and XXXX XXXX XXXX  explained to me that they have no contract they only funded the account account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive banked with Chase for 2 year never had an issue- actually loved and praise chase to anyone who asked. 

Received a alert to contact bank urgently. I called and they advised accounting has closed account for reasons the " aren't allowed to tell me " but the were cancelling their relationship with me and I have no access to the funds in the account ( its my bill pay account ). 

They advised they are not required to provide me with the funds is they dont deem necessary or the release of funds is to the say of the branch XXXX - and if they decide to decline I just dont get my funds back ever. 

Advised I am not allowed to do to the branch and I must " wait out '' their decision as to rather of not I deserve my funds. 

All of this started at XXXX XXXX  EST on XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer protection agency, for their failure to comply with the Fair credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief