vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is charging customers {$1.00} per month for monthly paper statements to be mailed home. The specific cards that Synchrony Bank is requiring this is for their Care Credit, a medical credit card and XXXX 's, a store credit card. I should not have to pay extra to have a bill sent to me via the mail. This puts the onus on the customer to retrieve and print their own statements at home. It also means that I need to have wifi at home. Consumers also need paper copies of bills and statements to store safely in their home and not have to rely on retrieving digital copies of bills and statements. 

This fee should not be tolerated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA says we must report wrong accounts on credit 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This item is reporting a late payment during which time i was in a extension

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX XXXX XXXXXXXX This item is reporting a late payment during which time i was in a extension

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 2024-06-05 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : SPEEDYCASH Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : XXXX ) How much money the debtor owes XXXX ) The name of the creditor to whom the debt is owed XXXX ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
On Thursday XX/XX/year>, while at work as a home nurse, I received a text from " Chime '' alerting me of a purchase for XXXX at a XXXX XXXX XXXX. The text asked me to confirm if I had made this purchase by responding to the message Yes or No ( text submitted for evidence ). I responded No and received a phone call from XXXX within several minutes. The caller identified herself as a " XXXX XXXX '' from Chime. She verified my name and the last digits of my SS #. She then told me that the XXXX purchase had occurred in Texas and that XXXX transfers were scheduled for XX/XX/year>. She asked me if I knew a " XXXX '' or someone with an XXXX named " XXXX ''. I responded that I do not. She then asked me about recent transactions, and had the list of my most recent transactions. At this point, my boss was standing near me and said " are you SURE that's your bank? ". I hung up on the call and proceeded to call Chime at XXXX. The representative informed me that there was no activity on my account and also Chime does not call customers. While on the phone with Chime, I received an alert that my {$1000.00} transfer to XXXX XXXX had gone through. I told the representative I was speaking to that i had not authorized a transfer, nor do I know this person and she created a dispute. On XX/XX/year> I was made aware that my dispute was denied, and I requested the case to be reopened. My case was again denied on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion refuse to delete this off of my credit. They keep chaining the origination date, I am unsure who and what this is. 
Please Help! This is not right! I have disputed this several time with Transunion, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at one time it was and it had an original date of 2018 and they removed it. I am not sure what this is from. I read reviews on the company bad practices : XXXX XXXX XXXX XXXX, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and Transunion is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with Trans Union, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed TransUnion dispute investigation. If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX  days from the date we notified you that your dispute results were first available. If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. Sincerely, Your TransUnion Support Team Please Help! This is not right!

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Synchrony Bank XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After review of my credit report, I have discovered I am the victim of Identify Theft. See attached

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 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX CAPITAL ONE I XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. 
These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern : I am writing to address a significant issue regarding the inaccurate reporting of an account associated XXXX XXXXXXXX XXXX XXXX XXXXXXXX on my credit report. This account was initially labeled as a Repossession and later amended to a XXXX XXXX, which is entirely incorrect and unjustified. 

Firstly, I would like to provide clarity on the circumstances surrounding the acquisition of the vehicle in question. On XX/XX/XXXX, I entered into a transaction XXXX XXXX XXXX XXXXXXXX XXXX to purchase a XXXX XXXX XXXXXXXX XXXX listed online at {$9800.00} with XXXX miles. Despite encountering unprofessional behavior during the transaction process, including disputes among staff regarding commissions, I proceeded with the purchase due to my urgent need for a vehicle. 

Throughout the following XXXX days, I cooperated with the dealership, providing requested documents and information, despite the unexpected increase in the vehicle 's price and the subsequent discovery that the vehicle had previously been wrecked, which was not disclosed beforehand. Despite these setbacks, I took possession of the vehicle, only to be later instructed to return it for the installation of a XXXX disabler, under the guise of ensuring payment compliance. 

Ultimately, I returned the vehicle in response to this unreasonable demand, and it was subsequently resold to an acquaintance of the managers daughter without following appropriate procedures. This mishandling of the situation has had severe repercussions on my credit score, impeding my ability to secure financing for another vehicle and resulting in exorbitant interest rates when I finally managed to do so. 

Repeated attempts to dispute this inaccurate reporting have proven futile, and my interactions XXXX XXXXXXXX XXXX XXXXXXXX XXXX have yielded no resolution. Attached is a letter from a former XXXX, albeit with incorrect dates, affirming the unwinding of the loan associated with the vehicle. Despite this documentation, the issue persists, compounding the distress and inconvenience it has caused me. 

I implore you to take immediate action to rectify this situation. The erroneous reporting of a repossession has had profound consequences on my financial standing and quality of life, and it is imperative that this matter be addressed promptly and comprehensively. I seek your assistance in ensuring that this unjust mark on my credit report is removed, and appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this matter. I eagerly await your response and swift resolution to this ongoing ordeal.

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 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Atlantic Union Bankshares, Inc.
State: SC

Complaint narrative:
Lienholder : Atlantic Union Bank, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This vehicle is no longer owned by me and I would like to stop the monthly loan payment of {$560.00} effective XXXXXX/XX/XXXX2024. ( loan ending in XXXX and balance of {$18000.00} ) I was XXXX in XXXX, XXXX in XX/XX/XXXX and my vehicle became the property of XXXX XXXX on XX/XX/XXXX. This transaction occurred as described in a registered letter sent to me and to the bank in XX/XX/XXXX. The towing company was allowed to sell the vehicle per XXXX XXXX XXXX to recover impounding charges. I have never missed a loan payment and have paid in excess of {$12000.00} since the vehicle was taken from me and sold by the towing company. I no longer receive statements showing my loan balance from the bank. They called to inquire about reposessing the vehicle in XX/XX/XXXX and were lied to by the towing company saying the vehicle was wrecked and in bad condition. I have a copy of the sheriff 's report stating the vehicle was in good condition when it was impounded and have shared this with the bank. Since i was XXXX i could not pick up my vehicle and the towing company would not let my family pick it up either. I am on a XXXX XXXX XXXX XXXX and make only {$1700.00} income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I purchased items XX/XX/XXXX from XXXX XXXX in XXXX, MN. I left town for my father 's funeral and when we arrived out of town, I realized that the items where not in the bag. I called the store on XX/XX/XXXX to let them know that I was missing items. I spoke with the store manager and he said that the items where at the store and that they would get them credited back to my XXXX XXXX card. I called XXXX XXXX when I returned to check if the missing items were returned to my card. The assistant store manager told me that they were credited back to my card and that if the credit didn't show didn't show up by the end of the Statement closing period XX/XX/XXXX that the total I was not to paid was {$100.00}. I made a payment of {$200.00} on XX/XX/XXXX to bring the account to the {$100.00}. I called XXXX store along with XXXX XXXX customer service to find out what was the hold up on the credit. Both sources informed that they were working on the credit and that once it hit it would be a XXXX balance. XX/XX/XXXX the credit was still not on the card. I called XXXX XXXX again and was told that it was being held up on the credit card side. I called Customer Service again and explained what I was told and that I didn't feel I should have to pay a late fee since I was told for the last 4 months that the credit I never made another purchase on this card after XX/XX/XXXX. I kept calling XXXX, XXXX, XXXX and they kept waiving the late fee 's, which if they really believed these were late fee 's due to me not paying my bill why would you refund them all? In XXXX I was finally able to get ahold of someone who was willing to look at everything with me. She seen that there was never a credit made to my account in XXXX nor XXXX for the missing items. According to the letter from XXXX ' this was a courtesy that they would put in for {$150.00} refund on late fees, and a store credit of {$91.00} which was later changed to a {$51.00} credit. I was mailed a check for {$37.00} which why would you mail me a check if I was really late? This has affected my credit and took it down XXXX points plus reports that these were all late fee 's. There would not have been a balance as of XX/XX/XXXX if the credit would have been applied. I have talked with the Attorney General of MN and they said that this source would be best to reach out to as XXXX XXXX feels that there was nothing wrong with this and that the payments were late even though the credit that should have been on the XXXX statement at the latest wasn't applied to my account until XX/XX/XXXX. I am begging for help with this.

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 2024-06-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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