vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a console light from XXXX for my SUV. The seller sent it by media mail and the XXXX opened it and determined that it was appropriate for the shipping costs and discounts. The XXXX returned it to the sender but it was scanned delivered to or around my mailbox before they inspected it. The price was {$200.00} and some change. I have sent Syncrony Bank XXXX Mastercard the documentation from XXXX Supervisors that I didn't receive the package that GPS Tracking shows the package was returned to the shipping address of the seller, and therefore i am not responsible. This has been going on since XX/XX/year>. They are refuse to contact XXXX or even acknowledge that I am providing information and documentation to support my claim.

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 monetary relief
Consumer complaint received 2024-06-09 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: AZ

Complaint narrative:
I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law.

In accordance with the Fair Credit Reporting act, everything has to be 100 % 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 100 % accurate.

Equifax stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 
( XXXX ) This account is not accurate ( XXXX XXXX XXXX XXXX ) This account is not accurate ( XXXX XXXX XXXX  ) This is also completely inaccurate. XXXX XXXX XXXXXXXX ) This is not accurate. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: MI

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 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  and list of Inquiries. 

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 2024-06-09 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: MI

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX Pl, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX - Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 

Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly.

Pursuant to 15 U.S. Code 1681n, civil liability for willful noncompliance, any consumer reporting agency or furnisher of information that fails to comply with the requirements imposed under this section may be liable for actual damages, punitive damages, and attorney fees. I urge you to take this request seriously and ensure that my rights as a consumer are protected. 

I also request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 
Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact 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 2024-06-09 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: TX

Complaint narrative:
XXXX I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX Pl, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX - Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 

Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly.

Pursuant to 15 U.S. Code 1681n, civil liability for willful noncompliance, any consumer reporting agency or furnisher of information that fails to comply with the requirements imposed under this section may be liable for actual damages, punitive damages, and attorney fees. I urge you to take this request seriously and ensure that my rights as a consumer are protected. 

I also request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 
Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Affordable Auto Finance, Inc
State: SC

Complaint narrative:
Affordable auto finance! I bought a vehicle from them XX/XX/XXXX! I was sold a vehicle that had multiple recalls for electrical issues that can cause fire! XXXX XXXXXXXX XXXX XXXX XXXX  caught fire! Affordable auto finance was notified and they have the vehicle! I DO NOT HAVE THE VEHICLE, I DO NOT EVEN KNOW WHERE THE VEHICLE IS LOCATED! From XX/XX/XXXX Affordable auto finance has me down for XXXX missed payments and charged me over {$7000.00} interest for a vehicle I DO NOT HAVE they have! Vehicle has not been repossessed, reported stolen nothing. I called them asked them why are they charging me for vehicle I do not have that they have when I asked where the vehicle was they wouldnt even tell me! But charging me for a vehicle I do not have they have XXXX missed payment and XXXX XXXX interest! They were notified about the vehicle and they have the vehicle but still charging me for a vehicle I do not have XXXX missed payments and over XXXX XXXXXXXX interest! XX/XX/XXXX was my last payment, also when vehicle caught fire and they were notified and they have the vehicle! I do not have the vehicle nor do I know where the vehicle is at! I would like this removed off my credit profile this is FALSE AND INACCURATE reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX I applied for a credit card with Capital One, XXXX XXXX XXXX.I took full accountability for this account, for the late and missed payments I lost my job due to the COVID-19 disaster. Once I found a job I called Capital One and settled the debt with them on XX/XX/year>, Also I noticed on the receipt the amount I settled with these companies was not listed. I called XXXX XXXX NA about this matter and respectfully asking them could they please remove this account from my credit report im trying to get a mortgage loan, the customer service rep was very rude says nope were not deleting it can stay on your credit report for 7-10 years. I said thank you and have a good. this account I settled with Capital One NA, has caused emotional stress, on me and my family. I've also Called the Credit Bureaus about this matter as well and I've uploaded Documentation of the debt receipt being resolved. When you try to better yourself seems nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IA

Complaint narrative:
i have no idea how much i had in my account when they closed it... 
so guys..what are the options? is class action even possible? what can we do ... .i had i dont even want to know how much in XXXX. probably literally XXXX XXXX XXXX from when i had bought it to what its worth now..i bought it and forgot about the account just thought id get into it and same thing as everyone here... closed and can not be reopened ... im beyond words right now i bought {$500.00} worth of XXXX XXXXn robinhood in 2018 when doge was XXXX per XXXX... it is now at XXXX per ... .they robbed me of straight XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I never got a notice from this collection company that I owed a debt. They are also not licensed in my state of Mississippi to collect. So these are two violations of the Fair Debt Collection Practices. I will take legal recourse if this is not removed from 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
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have two debts that I negotiated with Synchrony Bank to settle a Lowes and Home Design HI-PJL credit card. I thought I had made automatic payment withdrawal with both. I was hospitalized during the time the payment for the Home Design account became due, but thought I had setup automatic withdrawal so I did not contact Synchrony Bank. After my release, I notice the money had not been taken from my account. I contacted Synchrony and they told me there not an automatic withdrawal, but go ahead and make the payment that day and that is what I did. When the final payment was due in XXXX, I logged in to make the payment and could not find the link. After calling around, I was told the account was charged off five days after I was told to make the second payment and sent to collection. I was then told to call the collection company to dispute the bill so they could initiate an investigation. I did but then I received written correspondence that they could not find evidence of the XXXX payment. I responded by explaining that Synchrony had removed the link so I could make the payment and closed my complaint. I then sent another dispute letter with the final payment and expressed this was the final payment for the settlement they had prevented me from paying on time in XXXX and acceptance of the payment is their agreement to accept the final payment. Synchrony accepted the payment but then sent me another letter claiming they did not see my payment on time. Synchrony bank has received all three payments for the settlement.

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 2024-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I spoke with them and XXXX XXXX XXXX XXXX contacted them directly to provide check numbers and the amount paid. 

They informed me to disregard communication while they investigate. However, this was sent to a collection agency. I asked them for the reason they claimed I dont have insurance coverage. They sent {$280.00} to ATG collection agency a bill that was paid. 

The total bill for {$1100.00} needs to be cleared due to payments from XXXX XXXX XXXX XXXX. 
I paid all co-pays as well totaling {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I wired money from a XXXX XXXX account to a Wells Fargo account. 
on XXXX XXXX XXXX XXXX received a message from Wells Fargo asking if the intended beneficiary received the funds and was the wire valid. XXXX XXXX responded the funds were intended for XXXX XXXX XXXX and if the name on the account did not match to please send the money back. 

XXXX XXXX never received a response, but they received another message on XXXX XXXX asking the same thing. XXXX XXXX responded the same way. 

Wells Fargo has never responded to XXXX XXXX. Wells Fargo released the money into an account that did not have XXXX XXXX on it and the account was depleted.

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 2024-06-09 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: VA

Complaint narrative:
PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

EQUIFAX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: AZ

Complaint narrative:
To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: PA

Complaint narrative:
XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can XXXX XXXX  report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank RecordXXXX from XXXX XXXX XXXXhat substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than 7 years old. 
XXXXXXXX XXXX speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to XXXXXXXX XXXX from a XXXX XXXX for 7 days in XXXX XXXX XXXX XXXX. 
I already submitted this information via CFPB Portal in writing.

That should be enough!!

In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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