vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I called Venmo/Synchrony regarding fraud on my Venmo credit card. Their phone representative made a mistake and closed my account instead of addressing the fraudulent charges and fees, even though I specifically stated I opened the account but the charges where fraudulent. I have since made multiple calls and wasted hours of my time to get them to reverse the issue and resend a new card as I was told they would do. They have still not fixed the issue they made. I spoke with multiple people regarding this including XXXX, id # XXXX. They just keep sending me a pointless letter but not actually doing what I tell them to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Address are these below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I am writing to bring to your attention a series of incidents involving TitleMax, which have resulted in multiple violations of the Equal Credit Opportunity Act ( ECOA ) and unfair loan practices. I would appreciate it if you could forward this complaint to the appropriate department for investigation and resolution. 

On XX/XX/XXXX, I took out an initial loan from TitleMax. At that time, I specifically requested a change in the due date to the XXXX of each month, as agreed upon with an in-store representative. However, despite this agreement, TitleMax failed to make the necessary adjustment, resulting in overpriced interest charges on the loan. 

In an attempt to rectify the situation, on an unspecified date, I made a larger payment of {$800.00} towards the loan. I explicitly requested that the remainder of the payment be applied to the principal balance. Regrettably, TitleMax disregarded my request and instead applied the payment as an additional interest payment, further exacerbating the financial burden imposed upon me. 

Recognizing the need for a change in the payment date, I contacted TitleMax on XX/XX/XXXX, requesting that the due date be shifted from the XXXX of each month to the XXXX. To my surprise, I was informed by a female representative at the store that I would need to refinance the loan to make this change. She directed me to go online to initiate the refinancing process. In compliance with her instructions, I made an additional payment of {$600.00} to complete the loan refinancing, expecting to achieve the desired due date change. Unfortunately, the result of this transaction was a due date set once again for the XXXX of each month. 

In an attempt to gain clarity and obtain copies of both the previous and new loan documents, I visited the TitleMax store on XX/XX/XXXX. To my dismay, the same female representative who had previously instructed me to refinance the loan denied my request for loan documents, preventing me from fully understanding the terms and conditions of my loans. 

These events have left me significantly disadvantaged, both financially and in terms of my rights as a borrower. I firmly believe that TitleMax 's actions constitute violations of the ECOA and unfair loan practices, as they have consistently failed to honor agreed-upon due date changes, misapplied payments to the detriment of principal reduction, and denied access to loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: FC HoldCo LLC
State: PA

Complaint narrative:
In XXXX of XXXX, I purchased XXXX XXXX XXXX. I Had this auto financed through FLAGSHIP CREDIT ACCEPTANCE CORPORATION. This loan was to be repaid within a XXXX month period ( 5 years ). 
In XXXX of XXXX I became very ill. I contacted Flagship and informed them of my illness and inability to make the LAST XXXX PAYMENTS of the Auto Loan on time. 
I was informed by the Customer Service Rep that they ( Flagship ) would allow me an extensive period of time to make these Last XXXX payments, considering I had never missed, nor was I ever late on any payments prior to that time. 
In XXXX of XXXX, Flagship Acceptance Repossessed this Automobile without informing me of their intent to repo this car. 
When I contacted them via telephone, they informed me that this was their policy and that there was nothing they could do to assist me. I asked if there was any way I could redeem the auto and they told me NO!!!! 
I attempted on numerous occasions after that to speak with someone about getting this automobile back. Constantly I was transferred to different numbers within the company, only to be left on hold and eventually hung up on after they checked my account. 
Now here it is years later and I just found out that they ( Flagship ) have the audacity to have me in collections for the balance of {$960.00}, the exact amount I owed them after paying for this car diligently for just about XXXX months short of XXXX years. 
My issue is XXXX Fold. ( 1 ). I know they sold that car for way more than the {$960.00} I owed them. And I know now that they were supposed to contact me before and after the sale of that vehicle. They Did Neither!!!!. They were also supposed to rebate to me any overages beyond what was owed on the car plus expenses. They did not do that either. At the time the car was supposedly sold, this auto had an approximate value of between {$4000.00} & {$8000.00}. I never received any monies from this company nor anything else except their trying to ruin my credit and receive more money from this car that they are no longer owed. 
This company should be sanctioned for their illegal and unorthodox practices. Preying on people for their own profit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: TX

Complaint narrative:
CFPB please remove the inquires list on the attached report - as I did not authorize 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 non-monetary relief
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB please remove the inquires list on the attached report - as I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
When I signed up for this card to get agreed upon ( Bank of America ) I agree for paperless billing and auto When I didnt get a bill I thought I was on autopay turns out the autopay was not set up and a late payment got posted to my credit report Could you please help me get that removed? 

Sincerely 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 non-monetary relief
Consumer complaint received 2023-06-25 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I noticed there was a charge for cheap flights from XXXX to XXXX of {$100.00}, there was also a {$3.00} foreign transaction fee. I called TD card services when I noticed it and reported this as fraud. They said they would send a letter to me within XXXX business days. 

I know for sure I did not authorize that amount of {$100.00} or the amount of {$3.00}, but it was approved anyway. It's fraud, and TD bank sent the investigation letter, and I opened the letter today. The letter stated they investigated the matter and concluded that the fraud did not occur because it matches similar sorts of past expenses I made ( my spending pattern ), which doesn't rule out that it is fraud. I know I did not make that purchase regardless of any past purchases I might have made, which is why I called them. I would have not called if that was within my spending pattern. Also, the letter only addressed the {$100.00} amount, but I also mentioned the {$3.00} foreign transaction fee as fraud as well when I was on the phone with TD bank, so in total it is {$110.00}. 

The letter was sent to me on XX/XX/2023. I just opened it now. I filed the complaint on XX/XX/XXXX. The fraudulent charges were on XX/XX/XXXX and XX/XX/XXXX. I still have not gotten refunded and I actually had to pay for these fraudulent charges, so my credit doesn't go down, but again they are fraudulent charges that were approved by TD card services, and I don't know how the fraudster got my credit card info, but I don't feel like there was a proper investigation to determine that. I make a lot of online purchases with valid companies, so I would think maybe someone got info online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I got locked out of my account for XXXX twice in a row for a total of XXXX days, when my payment was due, and got XXXX calls from Comenity Capital Bank in that time, XXXX of which were from an Unknown Number and XXXX from a XXXX number. Got back in my this am and made a payment ( sun XX/XX/23 ) and have still received XXXX calls from them - XXXX, XXXX, XXXX. This is harassing behavior and I would like them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: DE

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: NM

Complaint narrative:
I've sent Experian XXXX letters asking them to correct my personal information on my credit report. They refuse to update my name, address, and place of employment. 
I've sent Experian XXXX letters notifying them about fraudulent accounts showing on my report. They refuse to remove the accounts. 
I sent a copy of my photo ID, social security card and the first page of my bank statement to verify my identity and they still refuse to make corrections to my credit file. 

I have XXXX name, XXXX address and XXXX place of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: MI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: WI

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive fallen victim to scams on XXXX XXXX twice, losing {$250.00} and {$120.00} respectively. Despite my efforts to initiate a dispute and recover my funds, I havent received any resolution so far. The response from XXXX XXXX indicates an ongoing investigation, but its unclear whether they are actively pursuing it. Its important to note that I never authorized any transactions to those specific accounts, nor have I signed any documents related to them. 
XX/XX/2023 {$220.00} XX/XX/2023 {$120.00}

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 2023-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : XXXX XXXX XXXXXXXX XXXX Transunion.com TransUnion 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 XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX ( TransUnion SmartMove ) 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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( 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 antidotes 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