vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This card was solely for auto repairs, or anything auto related so the last time I used it was last year. I used it this year to get my oil changed. Then I got on the app and paid it off in 3 different installments in the same week. I did not realize that the bank information that was linked was outdated as I thought I had updated it. So, when making the payments as I did in that short time, a payment came back as not being paid. I contacted them on XX/XX/XXXX and the rep let me know what had happened. So, I had the rep help me on the website to update my bank info and she did. I apologized as I did not know that it wasn't updated. I let her know that there were 2 more payments that were going to come back like that, and she stated just to wait until they come back before making the payment again now that the info was updated. She stated that it would be fine. On XX/XX/XXXX my account was closed. I called them back up to find out why and they said it was because payments were not received. Even though I spoke with this rep and she stated it would be fine and to just wait for the others to come back, they closed my account. I have never been late, never had an outstanding balance and they stated once it is closed there was nothing for them to look into. So, i just want to file a complaint against them for not having the rep take notes on the situation or reach out to anyone to let them know the situation at hand. Instead, just closing the account and having it affect my credit for no reason.

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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-02 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: IN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
XXXX XXXX has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.

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 2023-08-02 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: FL

Complaint narrative:
XXXX XXXX  has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.

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 2023-08-02 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2023-08-02 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: GA

Complaint narrative:
I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX  has not provided documents of late payments which I also requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXXXXXX XXXX It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.

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 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
After COVID forebearance I filled out PAHAF almost lost my home to foreclosure. Had to agree to get 2 % interest rate increase plus XXXX XXXX added to my mortgage balance because government launched program failed me. What can I 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 explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: NC

Complaint narrative:
A few months ago, I got started using Bright XXXX to help rebuild my credit. They use a software called " XXXX '' to link your bank account to their service to withdraw payment every month. My bank account got disconnected every FEW DAYS and I had to reconnect it. I reached out to customer service multiple times via phone, email, in app chat support etc... ( I have documentation for all of this ). I told them it would not let me make a payment no matter what and my bank account was getting disconnected from their service almost every XXXX hours. Furthermore, whenever I do " relink '' the account, I attempt to make a payment and it says that " I cant make a payment that exceeds the payment limit ''. So there is NOTHING I can do. They have now reported two late payments to XXXX further destroying my credit. 



The only time I received a response was by email OVER 4 WEEKS after the original email/chat message was sent and the response I received was automated. I asked to close my account and pay whatever remaining balance was left and that the 2 missed payments be removed for an obvious technical error. Their response was automated and completely unrelated reading : " XXXX XXXX, I am writing to apologize for the late fee that was charged on your credit card account. We understand that this has caused you inconvenience and frustration, and we take full responsibility for this error. 

To ensure that we can promptly address this issue, we kindly request that you provide us with the last 4 digits of the card that was charged a late fee. With this information, we can quickly identify your account and review the details of the late payment. 

We would also like to request the due amount and the date that the payment was originally due. Please also send us a clear screenshot of the late fee. This information will help us investigate the cause of the late payment and ensure that it does not happen again in the future. 

Please accept our sincere apologies for any inconvenience caused by this error. We are committed to resolving this issue as soon as possible and ensuring your satisfaction with our services. '' I have tried everything with these people and they refuse to respond. Try calling their public number at anytime during their supposed business hours and I guarantee you will not get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2023-08-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 Exceptional ) XXXX XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have two Chase credit cards that are currently showing on my consumer report as a charge off. The payments are past due and I have been attempting to pay by negotiable instrument for the last few months and Chase has yet to accept my payment. I have written on the instrument pay to the bearer and I have accepted the instrument as I am supposed to as the holder. I endorsed the instrument and sent the bill back to the corporation for set off but for some reason Chase will not perform their fiduciary duties. I have sent in my durable power of attorney and have instructed Chase to transfer the principal 's balance to the account numbers on the instruments to satisfy the account. Chase needs to respond to me in writing within 5 business days stating the reason to can not complete this performance as the fiduciary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX Rocket Mortgage refinance bankers male and female told me I can't get equity amount. I asked the female refinance bankers and she told me she will need to ask questions for the approval letter. I told her I didn't ask for a approval letter I just need the equity amount. Then the male asked what I needed the equity amount XXXX. Only XXXX XXXXHe said XXXX.is the equity amount only generated from equity amount loan XXXXthe difference from XXXX. I thank him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-08-02 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: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
i purchased a mini XXXX XX/XX/XXXX from XXXX XXXX. when the jeep arrived it was severely damaged and not usable at all. i reached out to the company many times to try to get the item either returned or replaced and the company did not want to do anything at all to help me. the jeep was {$2800.00}, and the company offered me {$100.00} to fix {$2800.00} worth of damaged. they did not want to take any responsibility whatsoever. That is when i opened a case with Goldsman Sachs to fully dispute the charge against me since i did not receive the product i ordered and instead got damaged goods. I provided all the emails that i had with Venom to the credit card company, i provided all the damages pictures i gave Goldsman Sachs every information that i had. i was thinking that it would be an absolute no brainer for Sachs to make the correct decision biased on all the evidence i provided. to my surprise Sachs declined my dispute and sided with the vendor. i later got a letter from Sachs explaining why they decided how they decided and to my surprise they did not look at any information that i provided them. they fully ignored all my evidence and sided with the Venom.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis nexis is improperly and illegally verifying bankruptcy information without utilizing the clerk of courts. The information is being shared on transition consumer reports improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX, I applied to XXXX for an upcoming dental appointment, and they approved a credit line of {$2500.00}, the amount I requested. There is an account number I can provide if necessary. I had the XXXX appointment on XX/XX/XXXX. The dental office gave me a paper with a QR scan code with Care Credit. The offer was up to 24 months without a finance charge. I wanted to take advantage of this offer. Plus, I learned the cost had increased, and I now needed XXXX instead of the XXXX I initially asked for when I applied on the XXXX website. I called the customer service number listed for Care Credit on XX/XX/XXXX and spoke to a gentleman. I explained I had put the " cart before the horse '' by applying the day before. I needed a higher credit limit and wanted the no-finance charge offer. I asked if I could stop the pre-approved account and re-apply with the QR code from my dental appointment. I specifically asked if it would create an issue, and he said it wouldn't cause a problem ; he would cancel the pre-approved account, and I could re-apply immediately. Well, I've been re-applying ever since and keep getting denied. The reason on the denial letter states, " Your request was denied for the following reason ( s ) : Previous application approved. '' I've called multiple times and need help finding someone at Care Credit or Synchrony Bank, the finance company for Care Credit. The most recent phone call told me I was " given the incorrect information '' when I called on XX/XX/XXXX. The problem is, I need my orthodontics. Care Credit/Synchrony Bank is reporting I have a credit account, but when I call them, they can not find an account, and I do not have access to the credit. How can they report me as an open account without giving me access to the funds?

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