vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am the originator of this account and am re-filing the Complaint identified as CFPB Complaint ID : XXXX against Synchrony Bank XXXX Synchrony ) regarding my Care Credit account. I also state that Synchronys excuse for not responding to this Complaint is invalid, as my husband, XXXX XXXX, who filed Complaint ID XXXX is an authorized user and Synchrony issued a card in his name ( See Attachment ). This is yet another example of XXXX tactic of avoiding resolution of the stated problem. Other examples include their losing prior filings requiring us to resubmit the disputes as well as ignoring letters addressed to the CEO of Synchrony Bank and its Parent, Synchrony Financial. Other examples include testimonials supporting a dismal Better Business Bureau rating of XXXX in which a few of them are included in the attachment. Note that the complaints reference irregular billing practices. We also have received conflicting status comments ranging from ignoring our requests to applying partial credits to advising that it would require XXXX days to apply provisional credits also no applicable accrued interest adjustments have been made. 

As of this writing, the matter remains unresolved. 

RESTATEMENT OF COMPLAINT ID : XXXX There are several unauthorized charges posted to my XXXX - Noom {$18.00} and {$49.00} and XX/XX/22 - XXXX XXXX XXXX, 3 charges of {$79.00} each. The Noom charges should be reversed, as I canceled this program during the initial trial period with no charge per their policy and the latter charges from XXXX  XXXX XXXX were unauthorized. I filed a formal dispute using the bank 's forms and process and no action has been taken. Although I am an authorized user on the account, their customer service staff will not discuss the matter other than toy advise that the credits have not been issued. I wrote to the bank 's CEO as well as to the CEO of the bank 's Holding Company and a response is pending. However, considering the disgraceful ( and possible illegal ) handling of the matter by their customer service employees, I am not expecting any satisfaction.

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 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
My finance company does not report correct information to the credit bureau. 
I started my loan with this company XX/XX/2020. Since then I have made my payments on time. 
They are not reporting my payments to the credit bureau and it states on my XXXX report that I owe them {$14000.00} since XX/XX/2020. 

When I called them to ask why they have not updated my report to show that I have made on time payments for the last 2 years, I was advised that " they do not report to the credit bureau unless you are more than 30 days late or you have paid the loan off. '' This is keeping my credit score from going up since this is the biggest loan I have at this time and it shows as negative activity when the amount has not changed in 2 years. 

This is also keeping me from getting a home loan.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX wrote off my debt of {$3600.00} more than 8 years ago, this company Portfolio Recovery Associates bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX  with sXXXX XXXX XXXX XXXX I suffer with XXXX XXXX XXXX. This is not good for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: AZ

Complaint narrative:
SELF LENDER INC CLOSED MY ACCOUNT FOR NO VALID LAWFUL REASON WITHOUT ANY NOTICE OR MY CONSENT - WHILE HOLDING ON TO MY DEPOSIT AFTER 1 YEAR OF USE - THEY HAVE BEEN NON RESPONSIVE TO MY EMAILS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which information has been shared and see if my rights to privacy have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have an inquiry from XXXX XXXXXXXX XXXX in XXXX XXXX, SD on XX/XX/2022. I did not apply for credit with this bank. When I received the card I immediately called and informed them that this was fraudulent activity and I hadnt applied. They told me it would be taken care of. The hard inquiry is still showing on my TransUnion credit report as of XX/XX/2022. It appears that they only closed the the account and did not scrub the inquiry.

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 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
My account with XXXX  has been trouble since the beginning. have tried to resolve my issues with them, by phone, by letters and asking for arbitration. Now my bill has been sent to a collection agency, AmSher Collection Services , Inc . I am a victim of identity theft and I carried insurance on all three of my devices. I also had identity theft protection through them. I asked to go through arbitration. I'm not sure what to do at this point. I was overcharged for my services and my srevice was cut off which made me pay reconnect fees on each device. There is a XXXX dollar payment that they can't account for. I tried to resolve all of these problems and more to no avail. My personal, medical, psychological, and legal information was breeched. Someone else was using my data because my devices had malware my cybersecurity was breeched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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:
On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My company had leased vehicles from Ally Auto in XXXX and we agreed to returned them in XXXX. As Ally sold the vehicles, they paid us for the surplus of the vehicle value or I had to pay them for the difference due. However, even though we often check their website to see whether the vans or sold or not, they do not update the information. I have to wait until I receive a letter from them. For the second time, they sent us a letter in the mail for the amount due and at the same time they reported me to the credit bureau agencies as being delinquent. On Friday, XX/XX/XXXX, I received a letter on the mail dated XX/XX/XXXX. On Monday, XX/XX/XXXX I made the payment only to find out hours later that they had already reported this payment as delinquent. Ally system is automatically reporting the delinquency. This is affecting my life as we are going through the process of signing the closing of the loan for our house in XXXX XXXX and the financial institutions are not allowing us to sign because our credit has been hit. Everyone knows this is a mistake. Ally 's employees, XXXX and XXXX were doing a great job in helping to this resolved.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX  XX/XX/XXXX -BK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to get my free annual credit report from Transunion, through the .gov site. 

In order to get the report, they required a phone number to send a text code to log in. 

The text code never came, and when I tried to restart the process, the screen says that I've already received my one free report. 

There is no Chat feature on Transunion 's website to connect with personnel to resolve this problem. 

( By comparison, I had no problems getting my XXXX report through their link. )

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 2022-10-12 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:
I am filing this dispute for all of the inaccuracies on my credit report with Transunion.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX ILLINOIS {$570.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank, without prior notice, closed my XXXX credit card. They say they closed my account because of inactivity ( See attached letter ). The decrease in the amount of credit available to me will cause a decrease in my credit score. Also the loss of the credit line, which I've had for many years, will also cause a decrease in my credit score. 

As a result of this precipitous action, Barclays Bank is negatively affecting my credit rating and ability to get credit in the future.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-12 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: FL

Complaint narrative:
I am filing to dispute the inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving 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