vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts were charged off and paid in full in accordance with the 26 CFR 1.6050P-1 by creditors policys. 
A discharge of indebtdedness pursuant to a decision by the creditor or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 


XXXX XXXX XXXX XXXX account # XXXX balance : {$3100.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX balance : {$18000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$11000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$36000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$5400.00} opened : XX/XX/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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting the same account Multiple times. I have no knowledge of this account and i have requested for it to be validated and i never received a response. I am now hereby demanding that this negative account be removed from my credit report IMMEDIATELY. I have retained and attorney

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi I ask transunion to remove that SSN from the because it's not mines.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
A couple months ago I got the XXXX credit card trying to rebuild my credit. The first month I used it. I paid it off. Everything was fine XXXX. I used it paid it off. Everything was fine. I live on a XXXX. I paid this card off on XX/XX/XXXX {$700.00}. They tell me the credit will not be available until XXXX XXXX. My power has been shut off. My car is behind. I beg them do not punish me for paying my card off early trying to rebuild my credit. I let them know my power was about to be shut off. They asked me could I already the money from someone else. There should not be a penalty for paying your card off early trying to rebuild your credit instead theyre holding the credit so it will build interest. I can understand if I had been late or just didnt make a payment but now because I paid the card off early with all of my XXXX, I am stuck with no money to eat gas power Car payment will be late. That is {$80.00} a day. Its not fair is not right I beg them for close to an hour asked to speak to several supervisors supervisor was not available. They said they would call me the next day to my knowledge. No one has called me. This is not fair for people that are XXXX and trying to rebuild their lives. One step forward 10 back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXXXXXX XXXX fraudulent charges were made on my PayPal account for {$200.00} each. I alerted PayPal and Synchrony Bank contacted XXXX  XXXX XXXX several times with no success. In XXXX, I wrote to XXXX XXXX, from the Office of XXXX Attorney General. The involvment of that Office initiated communication with PayPal and Synchrony Bank. I was refunded {$200.00} from XXXX XXXX XXXX. The XX/XX/XXXX {$200.00} charge remained. On XXXX, I sent a certified check to Synchrony Bank for {$920.00} to close my entire account balance minus the XX/XX/XXXX {$200.00} charge. I am continually being billed for this fraudulent purchase, plus interest. 
On XX/XX/XXXX, I sent a letter to Synchrony Bank, once again explaining the charge. There was and still is, no response. On XX/XX/2024, after more email reminders of my delinquent payment, I phoned Paypal and was transferred to the Synchrony fraud department. There, a representative named XXXX, employee number : XXXX, informed me that XXXX XXXX XXXX refunded {$600.00} to my account. And, she added that she could prove it. I need to add she actually laughed at me. 
Six days ago, I emailed XXXX XXXX XXXX because there was no alternate means of contact. I asked when and amount of their refund. I received an email response that ONLY ONE REFUND WAS MADE FOR {$200.00}!!! My credit has been impeccable. I refuse to pay my present balance of {$380.00} ( {$200.00} + interest ). 
Thank you for whatever help you can provide me. This ongoing mess is affecting my health!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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:
I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-17 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: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Syncrony and Care credit and Lowes are now charging {$2.00} a month for a paper statement WHY? I should not be penalized to request a paper statement when NO credit card company has gone out of business that I know of.What if I didnt have a computer to get the statement?

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 2024-05-17 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: EQUIFAX, INC.
State: MD

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Dear Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX  I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Again on XX/XX/XXXX my transunion score plummeted XXXX points for no unknown reason. No derogatory info on my 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ried several times to get credit agency to verify these accounts and I never received any physical documents proving these accounts are verifiable.

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 2024-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a Marcus referred savings account using the referral link sent by another account holder. Marcus/Goldman Sachs did not apply the referral rate to my account or the other account. I chatted customer service XXXX days after opening the account and was told that it was only possible to fix this issue within XXXX  days of opening the account. I requested a call from someone who could help make this change. I was promised a call within XXXX hours. I received no call. I then called customer service and received the same statement and no support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MD

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. 

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Tried several times to get credit agency to verify these accounts and I never received any physical documents proving these accounts are verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I went to XXXX XXXX back in XXXX it was a college located in XXXX VA. 
I was XXXX XXXX  and given 121 months in the XXXX XXXX XXXX. We reported this information and asked for aid and discontinuing money to go to the school. 

This School Closed in XXXX and would not respond to any of the letters that i wrote from XXXX  The loan company XXXX also was non responsive and when I came home in XXXX I was stiffed with a bill that was outlandish. They said the school was received the payments while i was away XXXX refused to help me rectify this and instead put me on some plan where combined like three accounts from them and said i wouldn't have to pay however it sits on my credit. 

years later XXXX sold my account with out my permission or any communication, to another company then Biden Administration asked about applications for student loan forgiveness i applied for that and now I'm being harassed by another company called Aidvantage. BUT HOW i was in XXXX and did not get to use my student loan i literally went in right after. how come now one in protecting me and why does XXXX XXXX  and XXXX get to get away with keeping money that was not used for the student. For God Sake the School does not even exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened my account on XX/XX/year> due to a mailing advertising with a promo code. 
The offer was {$320.00} bonus with direct deposit of {$1000.00} of more under 90 days. 
I set up 7 direct deposits for a total of {$2100.00} under 90 days. 120 days after opened the account, i still did not get pay. I called yesterday 2 times and today 2 times. Today i talked with higher team.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I reviewed my auto loan on my credit report and there are many inaccuracies, it shows for the months XXXX, XXXX, XXXX, and XXXX of XXXX, and XX/XX/XXXX that the payments were late, but i had payment extensions and payments made on that account that would show that the late payments are not accurate to be reported on my credit file. This has caused harm to me applying for credit and this needs to be removed completely. 
Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation