vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I ordered aligners through XXXX and financed them through XXXX XXXX. My contract was canceled through XXXX because of dental reasons rendering me unable to continue. The company opted to clear everything I owed on the aligners except {$290.00}. So I was only subjected to {$290.00} of the debt. I paid a to the tune of {$1000.00} per payments I calculated. The company only refunded me {$120.00} and kept the rest. When I called them on this they said they gave me back what the merchant told them to give back. When I called the merchant XXXX  they said they would reach out to XXXX but XXXX would not communicate with them about my acct and told them they would email me and they have yet to email me.

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 2024-04-14 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2023, I canceled an order at XXXX XXXX. The amount of the credit card charge is {$530.00}. 

I filed a dispute with Discover on XX/XX/2023, and on XX/XX/2023, Discover placed the charge back on my account. For your formation, I don't have anything from XXXX XXXX. However, Discover, will not remove the charge?

I will appreciate any assistance you can provide to resolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my TransUnion credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 


Incorrect Name - XXXX, XXXX, XXXX- This reported information is inaccurate. Please delete from my credit report. 

EMPLOYER - XXXX XXXX- This reported information is inaccurate. Please delete from my credit report. 


XXXX XXXX XXXX - XXXX - After reviewing my credit report, I found inaccuracies in the reporting of the charge-off account. Please verify the accuracy of the account details. If unable to verify, please delete the account from my credit report. 

XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report. 

XXXX XXXX  - XXXX - After reviewing my credit report, I found inaccuracies in the details of the collection account. Please verify the reported information. If unable to verify, delete this collection account from my credit report for accuracy. 

XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.

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 2024-04-14 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX XXXX not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Foursight Holding LLC
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX XXXX not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: IL

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

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 2024-04-14 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: PA

Complaint narrative:
I submitted several Identity theft reports to the credit furnishers for the fraudulent accounts on my credit file to be blocked/deleted. The credit furnishers ignored my complete and accurate Identity Theft reports, police affidavit and IRS identity theft affidavit supporting my claims. Instead I was sent a letter stating they were not gon na block it and suggested I requested this in error. They treated my claim as a regular dispute and processed it which the creditors response is it's verified which is their justification for not removing the fraudulent accounts. My identity was stolen of course the information will verify they have the correct information. The proper protocol was not done. This violates my rights as a consumer under the FCRA

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 2024-04-14 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: IN

Complaint narrative:
15 US CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I endorsed MY dividend not to myself but rather to SYNCHRONY BANK. I've attached MY endorsed dividend along with a letters from SYNCHRONY, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

SYNCHRONY must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page XXXX, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: WI

Complaint narrative:
Pull my credit Report because credit repair company contacted me told. I had delinquentcys missing payments late payment showin on my Credit records reason why my Home Loan was Denied. l make these payments All on time Never Late l dispute information sent copies of. Printout from The company ( Get it now ) on all 3 credit bureaus showing month of. XXXX also month XXXX was late or missing.l provided information notice my account hasn't been updated or changed on credit reports. Not understanding why it take over 30 days. to be given to resolve these dispute instead 30 days to make ness change errors been below show that report to 3 credit bureau

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/2024 Sunrise Credit Services XXXX {$190.00}, XX/XX/2024 XXXX XXXX  - {$1900.00}, XX/XX/2024 XXXX  XXXX XXXX XXXX {$1800.00}

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 2024-04-14 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: TN

Complaint narrative:
I disputed on credit Bureaus to update information. Privacy and consent on late payments. 15 USC 1666b. Please update on each credit report was requested and I received a letter back stating no errors when there are in fact errors on 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 2024-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received 4 loans from the lender, Sallie Mae, as an XXXX the XXXX XXXX XXXX. I am having overwhelming issues with my lender. My main issues are as follows : 1. Payment processing. My lender is re-allocating my payments and creating errors regarding the past due status of the account which is affecting my credit. On several occasions my payments have been reversed and reapplied. I can not reach a customer service representative to explain these reversals.

2. INVOLUNTARY forbearance has occurred MULTIPLE times without my knowledge or permission. This has caused my loan principle amount to grow significantly. My original debt totaled {$60000.00} and now stands at {$95000.00} despite having paid more than {$25000.00} toward the debt since they were disbursed ( disbursement dates XXXX ). 

3. Rate reduction program repayment plan was offered to me and was a deceptive tool that led me to accumulate significant unpaid interest by forcing me to wait 3 months to accumulate unpaid balance that would then get rolled into my principle when the program decreased my interest rate significantly.

3. My loan status is " disqualified ''. I have zero explanation from Navient as to what this means and why my loan status is described this way. 

I have submitted this complaint back in XXXX and the case was " closed '' but without resolution. This has now happened again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX {$850.00} ACCOUNT INFORMATION WAS DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: PA

Complaint narrative:
I requested fraudulent accounts to be blocked on my credit file several times. The credit furnishers failed to do so and sent me a letter stating that they were not gon na block it and suggested I requested this in error. They treated it as a regular dispute process which the creditors says it's verified which of course it is my information. This violates my rights as a consumer under the FCRA

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 2024-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested fraudulent accounts to be blocked on my credit file several times. The credit furnishers failed to do so and sent me a letter stating that they were not gon na block it and suggested I requested this in error. They treated it as a regular dispute process which the creditors says it's verified which of course it is my information. This violates my rights as a consumer under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened a Pay Pal account and during the process it wanted what considered an excess amount of supporting documents with photo ID, SSN etc. I elected NOT to use pay pal. I have made NO purchase with Pay Pal. I have talked to them no less than 4 times on the phone. I have verified my email, phone and debit card it in the system with them over the phone. They continue to tell me I cant ' have the account closed unless I upload my driver license, proof of SSN and other documents. I find the need to upload these sensitive pieces of information in order to close an account that has NOT been used/has no balance no transactions is beyond stupid. I want them to close the account. Never dealt with financial institution that requires those sensitive documents to be uploaded into system. Ever day financial systems get hacked. I dont ' want to upload those documents into a system for an account that I am NOT using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I endorsed MY dividend not to myself but rather to AMEX. I physically sent them my endorsed draft, uploaded to the AMEX dashboard and faxed it XX/XX/year>. I've attached MY endorsed dividend along with a letter from AMEX, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

AMEX must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page 78, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. '' I have record of your representatives, repeatedly promising my account was being credited withing XXXX hours, over the course of XXXX weeks of several phone calls and electronic chats. 

Additionally, before AMEX started abusing my credit, my score was XXXX. AMEX recently sent me a letter ( attached ) admitting a " RECENT REVIEW '' of my XXXX score which led to their decision to limit MY credit usage to no more than {$20000.00}. This is an INTENTIONAL VIOLATION that WAS NOT AUTHORIZED. You reference the FCRA in your letters ; however, you openly dismiss the legal requirements to ensure compliance. This is not the first violation AMEX has carelessly solicited, abusing MY credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

Complaint narrative:
Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data.

Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

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