vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was in the process of making a valid charge to Care Credit, A Synchrony Bank issued card. 

The transaction was denied, I was not told why, but I called Care Credit, and was told that my card had been flagged for fraud. I must add that the transaction was done through Care Credit 's Website, not over the phone or with the merchant. 

I asked to speak with a supervisor and had a hard time getting one because the customer service rep was making excuses for transferring me to a supervisor. 

Things started out well, but they quickly devolved in me being angry, and then shouting and then swearing at supervisor. 

None of the information that I gave to the supervisor in the Fraud Department was sufficient to this person to verify me. The phone numbers weren't acceptable, then my email address, my cell phone number wasn't going to be of use, because the cell phone is from XXXX, not XXXX, XXXX, Etc. My email address wasn't acceptable either. 

I asked for questions but she refused. 

I'm a serial swearer and I must say my language was not my bright moment. But I was doing what was expected and she was refusing to use the information because she couldn't supposedly verify it. Which I think is a bunch of XXXX. 

The payment has not been authorized and now I have to wait for some XXXX letter in the mail.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
There is an issues with incorrect information on credit reports, but one or two incorrect information is one thing, but when there is a list of incorrect information on credit reports that can only be attributed to either really incompetent data entering from credit bureaus or the credit organization reporting to the credit bureaus, which in this case I believe is both, there is something to be said. 

I tried to look at my credit reports and there is so many incorrect information on them, and when I tried to request my credit report online, then the credit bureaus would not let me access my reports and even show my information incorrectly, and when I tried to correct some of the information, they would not let me correct it, and when I enter my information correctly into their system, they display incorrect information right after I enter it correctly. I hate to say there is something going on that is very wrong here but it seems to me it is bad enough when the credit card companies are taking advantage of customer, but when the credit bureau who should be protecting the consumers no longer do their job or even goes as far as adding on the mistakes of incorrect records, consumers have little to do and maybe if that is the case, the credit agencies who are incorrect and not doing their job in the first place should not have a job.

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 2019-03-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a written request to equidax t investigate XXXX XXXX/XXXX   XXXX to submit signed document per validation since the year XXXX. No information was supporting documents validating I own this account has ever been sent. I am unable to do dispute online this creditor due to re-investigation STatus remark which denies me to re submit online dispute since XX/XX/XXXX therefor my right to dispute has been denied to me. I called equifax and spoke with XXXX XXXX 0n XX/XX/XXXX who advise XXXX  XXXX XXXX XXXX  and XXXX will be deleted due to statue of limitation and they are passed the deadline for investigation, the confirmation he provided me with is XXXX. The representative basically lied and all has been done is a deletion of the remark has been removed and not the the account collection. I am requesting for equifax to accept responsibility that they have reached the proper deadline and are over the limitation to re investigation for over a year of re- investigation status. I am not allowed to file a disputes over the phone by mail and by internet each options has been denied with remark account under re- investigation. XXXX the customer service agent did not delete as provided on the phone call he just deleted the remark which is very deceptive. Please also reference credit report XXXX on XX/XX/XXXX that has remarks as well account under investigation until current. They were unsuccessful in the investigation they have not provided validation of these fraud accounts as promised. I am requesting to remove/delete entirely due to statue limitation has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a problem filing a dispute or checking the status of a dispute with Equifax .I have told them about it repeatedly but nothing is ever done about it.It always kicks me off of the webpage stating that the information I entered does not match their records.This forces me to have to call in every time and talk with people who are speaking an alien language waisting my time.I enter the correct information every time.I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I filed bankruptcy on this account years ago.. They keep trying to collect XXXX after being notified in writing and over phone that it was discharged ... I have tried to reason with co. But no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: TX

Complaint narrative:
payment showing on closed account paid in full

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 2019-03-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has not validated the dispute legally completely. I have submitted numerous letters asking for validation and or supporting documentation/signed signature indicating the owner of this account. Equifax has neglect to submit proper validations besides the wording valid. I spoke to an supervisor by the name of XXXX id # XXXX who advise equitable has submitted a response of XX/XX/2018 that it is mines. I ask her what information was verified to confirm validation. She said they just said it is my account and Equifax do not have to validate or support with any documentation even with a letter indicating request. I attempt to ask what information was verified she stated she is unaware and Equifax do not have to provide any information to consumer even though I answered all the security questions. Requesting to remove as Equifax has not yet validated this fraudulent account per my written request with statutes attached. Please see that confirm XXXX only removed the remark of the re-investigation that has been placed on my account since 2018. Also XXXX report shows the account was under re investigation but was never fully investigated by law completed. XXXX who the account was sold to could not validate this account with any supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc :  XXXX XXXX XXXX XXXX P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.

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 2019-03-10 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance keeps reporting my account as delinquent, this account has been current as of XX/XX/2019. A {$820.00} payment was made on this day. A {$190.00} payment was made on XX/XX/2019.

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 2019-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has recently changed an account ( XXXX department store ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now transunion has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. Transunion keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau Ripoffreport.com P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.

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 2019-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Pulled my credit report and saw i debt collection agency on all 3credit Bureau 's I have never received any letters or documentations about any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  has recently changed an account ( XXXX XXXX XXXX ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now XXXX  has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. XXXX keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Dear Sir or Madam, This letter is intended to request the Honda Financial Services to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to Honda in person at their dealership at the time of the ownership closeout. Honda however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. Honda submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with Honda as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In XX/XX/2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX Proof of registration cancellation.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with XXXX as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: OK

Complaint narrative:
I was a victim of Trans Union inquiry issues and that they did not follow FCRA 611 I had already disputed this with them and customer servicer refused to fix the issues, I don't only have inquiry reinserted on my credit report with out them notify me but I have about an additional 30 inquiry 's not seen before. 

here is a list of inquiry 's XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2019-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Can't get a response from the Supervisor.. The Customer service will say the supervisor will call back tomorrow however that never happens. Talked to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and so on. Everyone has a different answer and a different amount to pay. 
If I pay the {$600.00} a month this will be paid of in less than 7 months!! 
With all these problems they are ruining my credit.

Company response to consumer: Closed with monetary relief