vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: NJ

Complaint narrative:
When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries 31 ( 1 ) EXPERIAN XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX ( 10 ) XXXX XXXX , XXXX ( 11 ) XXXX XXXX XXXX XXXX ( 12 ) XXXX  ( 13 ) XXXX XXXX XXXX ( 14 ) XXXX XXXX XXXX XXXX ( 15 ) XXXX XXXX ( 16 ) XXXX XXXX XXXX ( 17 ) XXXX XXXX XXXX ( 18 ) XXXX XXXX ( 19 ) XXXX XXXX ( 20 ) XXXX XXXX XXXX XXXX ( 21 ) XXXX XXXX XXXX ( 22 ) XXXX XXXX ( 23 ) XXXX XXXX  XXXX ( 24 ) XXXX XXXX  ( 25 ) XXXX XXXX ( 26 ) XXXX XXXX XXXX ( 27 ) XXXX XXXX ( 28 ) XXXX XXXX XXXX ( 29 ) XXXX XXXX XXXX XXXX ( 30 ) XXXX XXXX ( 31 ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Hello Credit Karma freeze my account 2 weeks ago with my money from payroll {$1400.00} and now I cant find the way to pay my bills or rent, they been saying they dont have nothing else to say, they dont know when they sending the check back with the money or when they unfreeze the account, Im super worried about my kids and family, Im the only source of income we have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to dispute a charge of on {$94.00} from XXXX XXXX XXXX XXXX to my credit account on XX/XX/2023. The charge is in error because I paid cash for the rental of the golf cart because my credit card was declined. I thought it was declined due to being in XXXX on vacation. After paying cash, I called Barclays and asked why my card was declined and the rep said there is no decline nor any attempts of a charge from XXXX XXXX XXXX XXXX. The Rep said it could be a bad internet connection and the terminally probably declined it. The rep assured me my card was not charged and had no pending authorization. I was shocked to have seen a charge for {$94.00} for the XXXX XXXX XXXX XXXX. I emailed XXXX XXXX XXXX XXXX to request a refund and they said they have not received a bank credit under my card number. Also, they said I paid cash. They provided me a copy of the paid receipt! 

I mailed all the copies of the email communication. Copies of the receipt of the paid invoice of cash. Along with email documentation from XXXX XXXX XXXX XXXX indicating I paid cash and requesting that I dispute the charges with my credit card. Please correct the error on my account promptly. 

Barclays responded in a email saying I did not provide them with sufficient documents. I emailed them a copy of the receipt saying paid. 

I have an email and a phone conversation from the XXXX XXXX XXXX XXXX saying that I paid cash.

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 2023-11-13 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As it was follows. 


XXXX XXXX XX/XX/2023.

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 2023-11-13 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Around the XXXX of XXXX and XXXX of XXXX, I started trying to find out date balance was due on a medical charge. I was unable to call co as no phone number was on statement, only an address one was to submit an inquiry to. I began to write a letter but in meantime a {$4000.00} plus amount showed up on my XXXX statement as an interest charge. I immediately wrote the letter to address this. I finally got a phone # from my banker and called to see how to resolve this. No real answer given but to wait for response to letter. I heard nor received a response other than a text or emai that my letter had been received and was being reviewed. I called XXXX more times with no real response even when passed to acct mgr. I then wrote a second letter, on XX/XX/XXXX which is attached and included a check for remaining bal. Of {$4000.00}. The last time I called was XX/XX/XXXX and was told to call back XX/XX/XXXX for an answer. I called back on that date and was then told it would be up to 60 days before I got response, even though they had supposedly been reviewing my inquiry since they got first letter in XXXX. I then asked that they suspend monthly payments till I got an answer and was told no. This was from above customer service managers. This co. Obviously is intentionally not resolving this dispute, in hopes that I will just continue making payments or simply give up and pay it. The card is Care Credit/synchrony Bank . Any help you can give me will be much appreciated.

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 2023-11-13 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: NJ

Complaint narrative:
When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: GA

Complaint narrative:
According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: FL

Complaint narrative:
I paid Ed Financial the full amount of my loan on XX/XX/2023. I received confirmation as well as a receipt which I have tried to provide them. They do not answer my calls or emails. It is now impacting my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This account is closed and will need to be delete from credit report. In accordance with the Fair Credit Reporting USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had reported a credit card theft to the company. 
My credit card had skimmed in XXXX  and used in many online purchases by the thief including purchases in the state of XXXX. 
After filing the report and letting them know I couldn't have been the one to use the card out of state at the time. There is proof I was using it in my state of Texas at the time it was being used in XXXX. 
My stolen credit card information was used to pay for things like automotive insurance, purfume, food, etc. 

I waited a long time for the results of the investigation. 
the credit card company sent me a letter stating I was liable for all the fraudulent transactions because the physical card was in my possession. 

The credit card company charged me interest for the transactions The credit card company refused to allow me to speak with someone in charge The credit card company demanded payment during a second investigation. 
I have not received notice of a second investigation. 

Overall, my card was stolen via a high tech scheme to copy the information from the card and transfer it elsewhere, where it was used in a criminal shopping spree totaling over {$1500.00}. Not only did the credit card company blame me for this, they also provided no protections for me the consumer. I think this violates every card holder agreement the company has.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I found inquiries on my credit report that do not belong to me

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 2023-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: OH

Complaint narrative:
I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As it was follows. 


XXXX XXXX XX/XX/2023.

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 2023-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
The debt that XXXX XXXX XXXX XXXX saying I owe is {$2100.00}. This was due to identity theft and fraud. dates are XX/XX/2023 and various other dates they are claiming. They used a address that is not mine a phone number that is not mine and a birth date that is not mine. This company has still not removed my collection from my XXXX Credit report which lowered my credit score XXXX points. Please help get this removed. I have never lived at the address they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$8900.00}

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 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I reached out to the collection company about this debt collection the told me to make a ftc report and I did and now I would like this to be removed from my credit report

Company response to consumer: Closed with explanation