vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have filed 10 complaints since XX/XX/2023 on CFPB yo receive all documents billed yo me in XX/XX/2023 for {$2800.00} in LEGAL FEES billed to me. 

I LEAGALLY REQUEST ALL DOCUMENTS TO VALIDATE THESE LEGAL FEES BILLED TO ME IN XX/XX/2023. NOT ANYTHING THAT IS NOT THE LEGAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Have a Fruad account appearing on my credit report. 


1. XXXX XXXX XXXX {$7600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: IL

Complaint narrative:
I am currently trying to educate myself on credit and how to utilize it. I recently downloaded a few credit score posting sites, only to find out that lines of credit were obtained using my social security number. I was a victim of a security breach years ago. Someone has diligently used my social security number to obtain lines of credit. I have reported this to the federal trade commission as well.

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 2023-10-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to submit a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian to address the following inaccuracies in my credit report. To date, Experian has not responded. I am providing details of the inaccuracies and the necessary corrections required : The following account was never late : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$560.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1900.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXX Balance : {$25.00} Your reporting represents the information incorrectly. The reported balance of {$25.00} is inaccurate ; I believe it should be a lower amount. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : COLLECTION ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$8300.00} Original Creditor : XXXX Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$740.00} Please remove it from my credit report. 

The following account is not mine : XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340.00} Please remove it from my credit report. 

The following account is not mine : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I Have a Fruad account appearing on my credit report.

1. XXXX XXXX XXXX {$7600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I applied for the Synchrony bank credit card through Ashley furniture online on my personal computer so I could purchase a bedroom set. I was approved and proceeded to place my order online on XXXX XXXX.Purchase was approved and went through but my computer shut down as we lost power due to a storm. So I called XXXX to make sure my order went through and it did. There was a waiting period for delivery of my items as it was the beginning of the Covid virus. I received all items within a couple months for that order. I completely paid it off in full by XXXX XXXX. I loved the bedroom furniture so much, I decided to order the exact same set for my adult daughter as a birthday gift on XXXX XXXX used my Synchrony credit card as my balance was $ XXXX.Again, there was a shipping delay due to availability. On XXXX XXXX they fed ex us the two nightstands so they charged my card for the cost of both at {$310.00} ( XXXX each ) .Then again on the same day they charged me again for the nightstands at {$150.00} x XXXX .I only ordered two nightstands but was charged for four.Then on XXXX XXXX the remainder of my items were delivered in which my Synchrony card was charged {$1000.00} .Then again on the same day they charged my card another $ XXXXAll and every document and proof I have clearly show what I ordered, the amounts etc. I completely paid off my second order as well.Ive been disputing this with Synchrony Bank now for almost two years. Its been nonstop. Ive spoke to numerous customer service reps, managers that also state they see the mistake and still it never gets resolved. Ive also spent hundreds of extra dollars faxing proofs repeatedly to Synchrony Bank. I even had one of the main people in charge at Ashley Furniture on a three way call telling Synchrony that I had been double charged and what my exact order was and Synchrony still has yet to resolve this. They also placed these amounts on my credit report as two separate accounts trying to damage my credit. Currently Synchrony has been calling regarding a delinquent payment and marked it on my credit as in bad standing when I clearly owe XXXX and I have all proofs, receipts and documents.The issue is with Synchrony Bank for XXXX XXXX store card, 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 monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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

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 2023-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I currently have fraudulent account and Unauthorized inquiries appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: PA

Complaint narrative:
I currently have fraudulent account and Unauthorized inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX 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

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 2023-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover CARD reporting late payment XX/XX/2020. This payment was not late to due COVID-19 Shelter in place order. I made arrangements with DISCOVER about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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

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 2023-10-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ACCOUNT XXXX 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

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 2023-10-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Netspend Corporation
State: NY

Complaint narrative:
In accordance to regulations E a investigation was going on where the company was supposed to provide provisional credit and give client access to it while the investigation is going on accordance with 12 CFR 1005.11 ( c ) ( 1 ), ( 2 ) ( i ). As well they waited to the 10th day close my account and I supect them of stealing the credit in accordance with grand larceny How Is Grand Larceny Different From XXXX XXXX? 
While both grand larceny and petit larceny are crimes of theft, grand larceny is more serious as it is a felony, and petit larceny is a misdemeanor. You will face a charge of grand larceny if you are suspected of stealing property with a value of more than {$1000.00}. If the property has a value of {$1000.00} or less, then the charge will be XXXX XXXX. However, as a New York grand larceny lawyer will explain, there are a few exceptions to this. For example, if the property is taken from another 's person, or if the property is taken by extortion, the charge will be felony grand larceny regardless of the value of the property. The claim that was put in with netspend was XXXX and the card was XXXX XXXX XXXX XXXX account ending in 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 explanation
Consumer complaint received 2023-10-01 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: CO

Complaint narrative:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

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 2023-10-01 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: CO

Complaint narrative:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: NJ

Complaint narrative:
I have some authorized inquiries appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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:
XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX 2023

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: CO

Complaint narrative:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

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 2023-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: KS

Complaint narrative:
This is XXXX XXXX and I got a lot of credit through American first finance to repair my car and they ended up taking in total about {$400.00} out of my account which violated our terms of agreement. They were supposed to take XXXX out a week. The XXXX of XXXX to XXXX and from about XXXX to XXXX they took out XXXX and Ive been struggling to pay the weekly and took my account off auto pay and they hit me with all these late fees and that has done repetitive damage against me and I want to term our contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation