vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account with Synchrony Financial was closed in XXXX. I have continued to be charged late fees charged on going. The auto payment continues to fall off, Due date moved without notice. Unable to reach anyone because the account is closed. I have continued to pay on this closed account for the last three years. The balance is almost paid but each time I check the account, either the auto pay falls off due to the account being closed or the due date is moved. I am unable to contact anyone that can help me. I am only able to go back to YTD XXXX of XXXX. Since then, I have paid a total of {$630.00} dollars in payments and been charged {$360.00} in fees. The account balance on XX/XX/XXXX was {$890.00}. Without the fees, my account as of XX/XX/XXXX would be {$250.00} not the {$660.00} reflected. 
I appreciate your help in this matter. 

XXXX INTEREST CHARGE ON PURCHASES Posted {$18.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$21.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX LATE FEE Posted {$38.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$19.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$20.00} XXXX INTEREST CHARGE ON PURCHASES Posted {$23.00} XXXX LATE FEE Posted {$38.00} Interest INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$21.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00} XXXX INTEREST CHARGE ON PURCHASES {$22.00} XXXX INTEREST CHARGE ON PURCHASES {$23.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : 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 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE XXXX XXXX XX/XX/2023 payments are marked as late XXXX XXXXXX/XX/2023 payment is marked as late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to inform you that a credit card account was opened in my name from USBank on XX/XX/2015 without my consent. I recently became aware of this fraudulent activity and am taking immediate steps to address the issue.

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 2023-11-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td/ Target is reporting fraudulent information on my credit file. Please see the attached FTC report and my drivers license and stop the erroneous fraudulent reporting. I have made multiple attempts to speak to Tdbank/target and request the deletion of this fraudulent account and yet this account persists to report on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I called XXXX as well as XXXX to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX  at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: PA

Complaint narrative:
I called XXXX as well as Experian to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I was paying back my student loans through Aidvantage. I paid off XXXX separate direct subsidized loan in full. A few weeks later I returned to the website to pay off additional loans. I saw that XXXX loan 's balance was now {$0.00} and assumed that the second loan was processed as well. 

I have then paid off XXXX more loans, but apparently I paid off XXXX loan and overpaid the original loan which did not show as processed on the website. The overpayment was {$4200.00}. 

I have then reached out to Aidvantage via phone and was told that the funds were going to get automatically refunded within 14 days ( this was the first lie ). After 14 days, I called again and was then told that the amount was too large to refund and they will need to submit an approval to their XXXX. This process was going to take XXXX weeks. 

It has now been over XXXX weeks and I called for the XXXX time. This time I was told that the approval was never submitted or processed. The representative then admitted that this was overlooked on their end. She has then submitted the approval to the XXXX again and claimed that this time for sure it will get processed, but I have to wait at least XXXX weeks because the holidays are coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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 XXXX XXXX currently have some fraudulent accounts and increase on my credit reports.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with The Fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, States I have the right to privacy. 15 USC section 604a section 2 it also States that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

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 2023-11-08 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: FL

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 2023-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC code 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1647 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681a Definitions ; rules of construction ( A ) subject to section 1682s-3 of this title, any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Late payments are illegal according to the 15 usc 1681a ( 2 ) ( 1 ) under exclusions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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 XXXX XXXX currently have some fraudulent accounts and increase on my credit reports.

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 2023-11-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: GA

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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-11-08 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:
Paid a collection and didnt get a deletion letter.

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 2023-11-08 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: NV

Complaint narrative:
I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/Equifax agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-11-08 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft.

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation.

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief