vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: CA

Complaint narrative:
XXXX told cfpb that the information was removed from my recored or they did not see it on my report which they knew lying on my report will caused financial harm and risk. I. contacted XXXX call many time starting from XX/XX/XXXX police report and ftc XXXX never did the proper investigation mind you I was not notify that they added account back to my account saying the company notify them to put it back on as of today XX/XX/XXXX XXXX I XXXX XXXX XXXX my own investagation that XXXX ignoring the fcra rules to investigate before adding in formation to my account same thing with XXXX XXXX they refused to open and verify debt I do not owe as well as me being a victim of Id theft these company also sold and buy back they debt from creditors I show XXXX also they had it on the report as will. I need a full invesagtion on experain for breaking laws and refusing to clean or removed debt that was do to id theft off my report I also paid for the experian credit work which they suppose help and pay up to a XXXX dallors of damages as a promotion they have to for victims was a tatic to get me to sign up. cfpb also have complaint for my reports for them company. removing addresses they refuse me saying it my address .also saying they deleted or remove some account which they did not ... .see Attachments.Im also file a lawsuit. how they also sharing information to another company. clarity by experain giving no chance on tryin to reslove the matter giving out my id addresses and income my banking information it gone to far along with rent growth rent cafe giving misleading information to company im getting denied .under 15 usc 1681 i and down my rights had been violated.15 usc 1611 ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ) ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

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 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Ref : Filing Fraud Complain against Synchrony Bank Dear Sir/Madam , Despite my repeated request, Synchrony Bank XXXX XXXX Synchrony Bank has refused to settle my fraud complain for over XXXX year. Below is the brief description of the issues : XXXX. Synchrony Bank, along with its vendor XXXX XXXX, financed and installed a HVAC system in my home. 
XXXX. XXXX financed this for XXXX years with a monthly payment of {$300.00} which would have paid off the total loan amount of {$7200.00} in XXXX years XXXX. I was told on the phone that this loan was interest free XXXX. I was paying {$300.00} per month which would have paid off my loan in XXXX years. 
XXXX. My investigation revealed that the Synchrony Bank staff unilaterally reduced my monthly payments to {$170.00} per month after the first year. 
XXXX. Subsequently, they sent me the new bill with interest payment claiming that I didnt pay off {$7200.00} in XXXX years. Therefore, I must pay the interest. They said that was the agreement. I never agreed to any thing like that, nor I signed on any written agreement 7. I have repeated asked Synchrony Bank to provide me the written agreement. They said they cant find any written agreement. This is because they never intended to provide one. I never signed off on the interest terms claimed by them 8. I have asked Synchrony Bank to settle this issue amicably. They have never responded to my request in writing.

9. Please review the attached documents sent to Synchrony Bank by me at three different dates. 
I request that your office kindly investigate this issue. I believe Synchrony Bank has engaged in the fraudulent practices with my account. I wouldnt be surprised if they are doing the same to other consumers.

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 2024-04-16 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I've tried to pay off this Ulta Beauty credit card account with Comenity Bank in-full multiple times, and each time I am charged an additional late fee and interest fee after paying off the balance. This pattern continued over a year, and I have paid about {$300.00} in late fees and interest fees due to an inability to become current on the account. I tried paying the full balance of {$260.00} over the phone on XX/XX/2024, and shortly after I spoke with a service agent she informed me that the actual balance was {$260.00} due to a {$2.00} interest fee. She informed me that an additional {$2.00} was not paid for on my payment made that day, and I am unable to pay off the {$2.00} fee on XX/XX/2024. I was instructed to call back " later that month '' to pay off the {$2.00}. I told her I wanted to pay off the account so I can close it, and she said I could close the account today but I can't pay off the {$2.00} until next month. She then put me in touch with another customer service agent who was supposed to help me close the account. I asked if she could close my account and if there was someone I could talk to in order to file a complaint because of the inability to become current on my account. The customer service agent said she would connect me to a " supervisor '' and then ended the phone call. Neither customer service agents closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings
State: CA

Complaint narrative:
Back in XXXX of 2023, I sent in a validation of debt letter to IQ Data International. They responded without answering any of my questions pertaining to the debt. Sense then, I've sent in numerous dispute letters to the XXXX XXXX credit bureau 's, pinpointing violations to the fair credit reporting act. XXXX removed this account due to the inaccuracy, but XXXX and XXXX continues to report it. The information was never validated and there are several violations in the way it is reporting currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.

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 2024-04-16 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: GA

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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my account was compromised. I believe this happened because I received a phone call from a company posing as Credit Karma asking if I had opened a new credit card. I said no and they said they were sending me a one time code. I provided the code that I was sent from Credit Karma. They said that the code was incorrect. Then they called back and followed the same process. The second time they informed me that it was successful and the card was cancelled. Both of these calls were all automated. Approximately XXXX hours later, I saw alerts that there were transactions being made on my account. They were all to XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX The amounts were for {$190.00}, {$140.00}, {$130.00}, {$89.00} and {$2000.00}. The transaction for {$2000.00} declined for insufficient funds. The other transactions amounted to {$570.00} and was equal to all of the money that I had in my account. These transactions were not authorized or initiated on my part. I immediately called the number on the back of my card to report the transactions. I was told that there was nothing that could be done at this time and that I would need to call the next day to report the issue. I reported the issue and was told that this was going to need to be handled by two departments, the fraud department and the disputes department. I made complaints with both departments. The fraud department alerted me that all of my information on my account had changed relating to my phone number, email address and password. They reset this information and provided me with new account numbers for safety. They also informed me that a new digital card had been created an it was the card that was utilized for these transactions. I have never created a digital card and certainly never used one. 

The disputes team told me that there was nothing that could be done until the transactions posted to my account. I called back daily to file a dispute but was not allowed to file the dispute until XX/XX/XXXX. I received notice back on XX/XX/XXXX that the research had concluded and that they found that " no error had occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. '' I have called back to complain and they said that they would re-open the dispute. I filed a police report and submitted that to Credit Karma as well. I can now no longer get any response from Credit Karma when I call or email. What can I do to get my funds restored to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: GA

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 confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete. Incomplete information is inaccurate and thereby not supposed to be on my report.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
incorrect personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
I have requested any contract agreement from Experian validating or verifying the information from the below mentioned companies regarding the information that's on my credit file and I havenot recieved any contract agreements. This requested have been well over 60 days. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wolf River Development Company
State: SD

Complaint narrative:
I guess XXXX XXXX  I dont know who they are called my work and left a message with the secretary right theres a violation itself and they called XXXX XXXX XXXX they left information with a third-party which secretary and I dont know who they are. I dont know they dont have my cell phone number that they called my work so seems fraudulent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Please note Shellpoint reported me 30 days late erroneously for the month of XX/XX/year>. As per the contractual agreement with Shellpoint, my payment was due on XX/XX/XXXX. The payment was submitted via XXXX website on XX/XX/XXXX, which is the XXXX day after the payment was due, and cleared my account on XX/XX/year>. ( PLEASE NOTE THE PAYMENT HISTORY PROVIDED BY SHELLPOINT ) The payment was made within the allotted time frame, and shouldn't be reported as 30 days late, as in reality it was submitted on the XXXX day, and cleared on the XXXX. I received confirmation that my payment was successfully processed on XX/XX/XXXX. 
I have been paying this mortgage in a timely fashion for many years, and I have XXXX active mortgages with Shell Point. In addition, I have completely paid off several multi-million mortgages in the past. This is an error on Shell Points part, and as a long time customer with an immaculate payment history, I am asking that this be corrected as I wasn't LATE! This erroneous reporting is affecting my credit history, and is hindering my business and financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has seemed to not mind violating my constitutional rights by some how reporting that my vehicle loan is closed when it has only been sold. this misinformation has caused my XXXX XXXX to decrease substantially by XXXX points and is creating an ( extreme ) hinderance to the functionality of my ability to prosper as a human being. This misinformation is to be reported accurate pusrsuant to 15 U.S.C 1681 FCRA regulations and is persecutable by law. Please correct a.s.a.p.

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 2024-04-16 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: SC

Complaint narrative:
financed a vehicle through Westlake Financial on XX/XX/2022. They assured me that they would report my payments to the credit bureaus to help build my credit. However, the account has not appeared on any of my credit reports. Despite reaching out multiple times, Westlake Financial claims they are reporting, but there is no evidence of this on my credit reports.

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