vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I had applied for a guitar center card in back in XXXX, which included no interest until XXXX, I only had a balance just over XXXX for a new instrument, however synchrony bank decided to close my card without warning, even with on time payments beginning of XXXX when I had a lower balance. So, my monthly payments were XXXX bucks even, and Ive continued to make that minimum payment. Synchrony decided to close my account without warning, I never received a letter of the change. Now they are charging me so much interest and saying Im not making payments. They show that Im behind on payments when Ive paid XXXX  dollars every month which is what was agreed upon at time of purchase. Now Im unable to pay down the small balance of the card, which was XXXX or so, because theyve raised the balance from interest and late payments to almost XXXX dollars. I have complained to the XXXXXXXX XXXX XXXX and they took the late payments off my account, however synchrony has added that remark back onto my credit showing a past due balance even though I signed a contract for XXXX dollars a month and theyre trying to gouge me and get way more money by making remarks on my credit. This is illegal, and Im complaining on every website I can to expose the treatment of these credit card companies. They try to place a negative remark on my credit, however they wont sell the debt which is an obvious sign theyre just trying to bully me to get more money out of me. I will settle on the XXXX dollar amount and just send it to collections so I can make a payment arrangement with them. I want all the interest taken off because I have not missed a payment yet.

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 2025-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As XXXX taxpayers, my husband and I are entitled to know what contracts XXXX XXXX has with the State of New York as these contracts should be of public record. List all former and present contracts held from 2005. Thank 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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
A hard inquiry was placed on my credit report which I demand be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A hard inquiry was placed on my credit report which I demand be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: IN

Complaint narrative:
I did not authorize the following accounts to be opened these accounts are on my credit report and they come from fraud and data breaches I have been notified of several data breaches from XXXX transunion and XXXX! I am looking to move out of state soon and these fraud accounts are preventing me from moving on in life! I HAVE FILED IDENTITY THEFT REPORTS ON THE FOLLOWING FRAUD ACCOUNTS XXXX XXXX XXXXXXXX Reported : XXXXXXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX XXXXXXXX errorNeeds attention {$12000.00} XXXX XXXX XXXX errorNeeds attention {$2100.00} XXXX XXXX XXXX error30-59 days late {$4500.00} XXXX XXXXXXXX Last reported XX/XX/year> {$6100.00} XXXXXXXX XXXX Last reported XX/XX/year> {$4900.00} XXXX XXXX {$6100.00} XXXX XXXX {$5300.00} XXXX XXXX  {$14000.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX {$590.00}

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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I Received a collection on my Credit report from credit collection services on XXXX for an amount of {$510.00}, i have not aware of this balance, this balance is a fraud please i would like a debt validation on this matter, if they can't provide that debt validation i want this charge to be remove from my credit report This is what i requested on the debt validation a ) detailed list of the historyof payments made by me on this account b ) I want to see the signature that i put on the contract guaranteeing that i would pay this creditor c ) I'm asking to see has there been any insurance claim found on this debt d ) I want proof that you have the chain of title to collect on this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing the collection account with PROCOLLECT , INC account number XXXX, dated XX/XX/year>, with a balance of {$7300.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Hello, I signed up for PayPal XXXX early in XXXX. They were offering no interest on some purchases if paid in full. I started to suspect something fishy so I closed the account. I also paid off all the promotional purchases before interest was accrued. Apparently the consumer has to call in and designate where they want their payment to go towards. What? Is this legal? 
I cant tell you the amount of time Ive spent calling and chatting. In XXXX I had an agent that actually cared we spent over an hour on the phone. She agreed that theres a double payment being charged. She was sending my case to XXXX different areas within XXXX XXXX. Its now XX/XX/XXXX and theres no resolution. Im disputing a portion of the remaining balance I owe. I need some help please. This is unfair to the consumer and its designed to keep us in debt while they get rich. They beed to be transparent!

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 2025-01-04 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit account opened at XXXX on XXXX XXXX under the account number ( private ), A personal Credit account at XXXX and XXXX collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief )

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 2025-01-04 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: GA

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 XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # 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 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 XXXX 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 2025-01-04 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: GA

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 Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # 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 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 XXXX 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 explanation
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
Yes, my personal data and social security information was leaked multiple times over the last year. It has resulted in unknown viewing of my credit as well as inaccurate information reported to all 3 credit bureaus. 15 USC 1681 says I have a right to privacy. I feel my whole credit report is now compromised and preventing be from being able to move forward building my credit. Every attempt I have made this last year to improve my credit is been unsuccessful as I feel I am being frauded because someone else is continuously using my information. I was about to spend money I didn't have to hire a lawyer. Thankfully that lawyer was honest. He told me that millions of people were experiencing the same issues. He also showed me all of the reports and directed me here to file a complaint. I also will be writing each bureau to get these things removed immediately! Please work on better protecting our private 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All 3 credit reporting companies show me in bankruptcy when that is incorrect. my bankruptcy was voluntarily dismissed by me ; however, my credit reports do not reflect that and is hindering me from getting an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
Credit breach my information was stolen several times.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a response to XXXX whereby I received a request from CFBP to submit a request on a closed complaint. Doesn't matter how lengthy their answer is, it's all false. and were is the PROTECTION in CFpB here? Your job is more than just pressing a XXXX button moving it to the next desk. Get off your XXXX and protect us consumers. THEY are not the consumer. 

I didn't request for any information. I didn't request CFPB to do anything by start corruption/criminal charges on these XXXX. I'd prefer they leave the country but you XXXX  only know how to push a button.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All 3 credit reporting companies show me in bankruptcy when that is incorrect. my bankruptcy was voluntarily dismissed by me ; however, my credit reports do not reflect that and is hindering me from getting an apartment

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 3 credit reporting companies show me in bankruptcy when that is incorrect. my bankruptcy was voluntarily dismissed by me ; however, my credit reports do not reflect that and is hindering me from getting an apartment

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 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
BRIDGECREST -- XXXX Dear Debt Collector 's, I am writing this letter to present you with an opportunity to settle the dispute between us before initiating arbitration proceedings. It has come to my attention that your agency inaccurately reported information on my credit report, leading to the denial of credit applications. Enclosed with this letter, please find the adverse action letters as evidence of the denials I received based on this inaccurate reporting. In the event that you choose not to accept this settlement offer within [ number of days, e.g., XXXX  days ] from the receipt of this letter, I will be left with no choice but to proceed with initiating arbitration proceedings. This course of action would entail additional fees and expenses for your agency, including the payment of my attorney fees. ( If I choose to hire an attorney ) I believe that it is in both our interests to resolve this matter amicably and avoid unnecessary litigation. Therefore, I strongly urge you to carefully consider this settlement offer and respond promptly. Please communicate your acceptance or any counteroffer in writing to the address provided above. I kindly request that you retain copies of all correspondence related to this matter for future reference. As you may be aware, arbitration can be a costly and time-consuming process for both parties involved. In an effort to avoid unnecessary fees, expenses, and complications associated with arbitration, I am extending this settlement offer to you. Settlement Offer : Amount : {$5000.00} ( XXXX XXXX Dollars ) This amount represents a discounted settlement in consideration of the inconvenience, harm, and negative impact caused by the inaccurate reporting on my credit file. It is essential to note that this offer is timesensitive and is contingent upon your prompt acceptance. Furthermore, I would like to draw your attention to the original agreement between myself and the original creditor, [ Creditor 's Name ], which specifies that disputes are to be resolved through arbitration. I have attached a copy of the relevant section from the original agreement for your reference. Thank you for your attention to this urgent matter. I look forward to receiving your prompt response and achieving a mutually satisfactory resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation