vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The following has happened twice in the last 4 months : We receive a monthly bill for charges on our XXXX Synchrony Credit Card. We pay through my bank by check well before the due date, our bank confirms receipt by Synchrony Bank, again well before its due, but Synchrony takes over two weeks to process the check before they credit my account. By then, it is past the due date so they add late charges and fees regardless of the fact that the payment was received on time. 

As an example, last months check was noted as received by Synchrony on XX/XX/XXXX with a due date of XX/XX/XXXX. Synchrony didnt clear the check until XX/XX/XXXX and then charged us {$140.00} in interest and late fees. I spent 30 minutes on the phone with them and for the second time in 4 month. They said it was some kind of internal error. 

I am sure that this is happening to others.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America has allowed my personal information to open multiple accounts with no constant from me. The first issue was there was an attempt for a credit card to be opened and was denied due to my credit score with in the same time a debit account was opened and money was funded into the account with fraudulent money that was flagged in there system. I filed a police report at my local PD then received documentation that the account was not mine and was fraudulent account. Then on XX/XX/2023 a document was sent to me stating another account was open and I have not opened any account with Bank of America or any affiliated companies

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 2023-11-21 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: Financial Assistance Inc
State: FL

Complaint narrative:
They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I called and told the company which is a third party company and advised them that the two accounts are not mines and if they could send me out information about the accounts I want the company to show proof that the debt is mines and I need those accounts removed immediately without prejudice because of an accurate information and I have asked them that the information on the account is not mines and I let them know that I am calling about those accounts so he didnt know that it was me and they verified it with me and I want them to remove without prejudice for an accurate information and no proof that the accounts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I purchased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). The suggested manufacturing price was {$32000.00}, however they added values until the purchase totaled {$53000.00}. Below I detail the concepts and values : 1. Something they called the XXXX XXXX was added and I can not identify exactly how much it was but according to what was discussed with the seller it could have been between {$5000.00} and {$7500.00}. 
2. Theft Deterrent Device, XXXX XXXX ( optional and which I was not told about ) worth {$990.00} 3. XXXX XXXX XXXX, xzilon ( optional and which I was not informed of ) worth {$790.00}. 
4. Debt Cancellation Agreement ( optional and which I was not informed of ) for {$850.00} The next day I was able to look at the contract in detail and when they sent me a survey to evaluate the purchase, I informed them of all these values with which I did not agree, but they never gave me a response. 
I feel disappointed and cheated by this seller. For XXXX years I have been paying these amounts plus interest and they do not solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an address on my credit report that Ive never resided at. This same address was used to commit fraudulent acts under my name. This address being attached to my report only makes me liable to get my identity stolen AGAIN. How are the only credible sources for this address the 2 things on my credit report that WERE NOT ME? I never resided at that address, never had a bill attached to that address, if you call the leasing office they even say I am not in their system meaning I never resided at their residency. I have the right to an accurate credit report and my credit report has not been accurate since XXXX and Experian is to blame I have addresses that arent mine, accounts that arent mine, and up until this year I had a XXXX credit card that was opened in XXXX attached to my report. Im only XXXX! And despite it being obvious that these accounts arent mine or are failed identity theft attempts the bureaus will NOT help me. Imagine being held back by somebody elses actions. I even have inquiries on my report about a car.. Ive never even had a vehicle before. Its been 4 years of battling Experian and trying to get these bureaus to do right by me and they will not. I even have a XXXX student loan opened up in my name that they refuse to take off when all they have to do is call the school and confirm that I was NEVER enrolled there. How could I be enrolled in school in Pennsylvania and Im clocking in to work in Texas??? Matter fact if Ive been in XXXX since XXXX and this loan was opened in XXXX of XXXX and Covid was going on therefore how did I attend school? I never signed for any loans I stopped going to college in XXXX and even then all my loans were paid off and never more than XXXX and they were for a completely different university AND my mother set them up for me. They literally stopped letting kids go to school if it was out state for a year and a half but supposedly I was in PA.. and if I was going to school online it would be easy as XXXX to prove but they cant why?? Because its NOT MEEE!!!! Experian is lazy they give these fake XXXX investigations because they dont care and they dont want to actually work. It wasnt always like this I remember when they actually used to be on top of stuff. Maybe one day theyll try again but until then I need CFPB to help me get my report back together so I can get my life together. Im owed that much this has been an ongoing problem that has cause significant burdens in my life.

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 2023-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got the mail from Discover bank on XX/XX/2023 ( delivered by XXXX ), showing that someone changed my saving account email address on XX/XX/2023. I immediately checked my Discover saving account and found {$81000.00} has been transferred out as well as {$30.00} wire transfer fee. I directly called Discover dispute department and request the dispute. They said they need to investigate and no timeline can be provided. 

I was not aware of anything from the beginning, not sure how someone can change my email address and phone number in my account without notifying me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report displays XXXX incorrect hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-21 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: VI

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.

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 2023-11-21 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: VI

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.

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 2023-11-21 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, I canceled my card due to a fraudulent charge and while waiting for the replacement card I saw a pending transaction from XXXX car rental for {$6400.00}. I immediately called CapitalOne Quicksilver credit card and said that these are not my charges and that I never received the replacement card. The credit card rep told me to wait for the charges to be posted on the account and then, call back since they could not do anything at the moment. She also canceled the replacement card. 
On XX/XX/XXXX a charge from XXXX car rental was posted on my CapitalOne Quicksilver credit card for the amount of {$6400.00} and I disputed the charge with my credit card, since I never got this card and never rented a car with XXXX. 
However, the credit card denied my dispute and posted the {$6400.00} charge back to my account, saying that their investigation showed that this was my charge. My request to share the information or documents that support their claim was refused. 
I called XXXX car rental and asked them to share with me the car rental contract that was signed under my name and a receipt for service rendered, but they refused to provide any documentation to me as well. 
I filed a police report for credit card theft and identity theft, since someone had to use my ID to rent a car under my name. The police report was filed on XX/XX/XXXX. 
On XX/XX/XXXX another charge came through from XXXX car rental on the same credit card for {$92.00}. I disputed it with my credit card, but the credit card again denied my dispute and charged this amount to me too. 
Current status : A police officer is working on my case. He requested a subpoena to have XXXX provide all documentation they have in regard to these XXXX charges, but it can take more than a year to get the subpoena, and the charges are due to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-21 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
These accounts from Affirm are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX I got my direct deposit $ XXXX I went to sleep my account had $ XXXX XXXX my phone kept notifying of XXXX woke up to over XXXX transactions XXXX after the other from a XXXX company. I have nothing to do with XXXX. the bank itself called Cash App notified me that they had seen suspicious activity on my account and if it was me I answered and replied back no that it wasnt me.They had taken {$230.00}. I can never speak to nobody, and when I do speak to them, they all give me a generic message. I worked so hard for my money like every other XXXX and I live paycheck to paycheck. Now my bills will be behind because of this accident that I had nothing to do with and all they tell me is that I have to wait 45 days. And nobody wants to talk to me, I dont know what else to do. I shouldve never put my money into that company please can somebody help me I can explain myself better on the phone thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: MS

Complaint narrative:
i recently check my credit report and notice some items that wasn't mine so i sent a identity theft report to all XXXX CRA 's ( TRANSUNION, XXXX, AND XXXX ) REQUESTING THEM TO BLOCKED AND DELETE THE ITEMS FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS REQUIRED BY LAW. THEY HAVE VIOLATED THE FCRA BY NOT BLOCKING NOR DELETING THEM WITHIN THE TIME FRAME. 

I HAVE ATTACHED THE COPIES BELOW FOR YOUR REFERENCE

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 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I would like XXXX or Mohela to add my payment counts to my loan for XXXX. 

The months from XX/XX/XXXX to XX/XX/XXXX I paid XXXX XXXX payments that are not recorded on my payment count towards XXXX. 

XXXX did send me documentation of payments made during this time frame. Mohela and XXXX have documentation also but refuse to add these counts to my total payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account was frozen by Venmo they told me I have to wait up to 180 days to be able to transfer my funds out but when they finally emailed me to say I can they wont let me add a bank to my account because they suspended it theyre basically just trying to keep my money. They wont allow me to add a bank to get my money out the account.

Company response to consumer: Closed with non-monetary relief