vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
Sent 3 emails to my daughter about a debt they want to collect and gave her all information about the debt including original creditor, debt amount, etc. This is an explicit FDCPA violation. The email address was created BY MY DAUGHTER several years after the debt was incurred, was never associated with the account and she lives in a different home than I do and has for 4 years. 

If they are sending to her then I don't know who else they are sending this same information to in a blanket attempt to collect an old debt they purchased from the original creditor. CFPB should request this information and take further action based on who else they contacted.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
- XX/XX/XXXX, I called XXXX  XXXX XXXX and found there were XXXX fraudulent XXXX  XXXX XXXX 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called XXXX  Fraud department, XXXX, to report fraudulent accounts, XXXX  Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to XXXX  Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from XXXX  - XX/XX/XXXX, Called XXXX  Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called XXXX Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called XXXX, XXXX said both cases were closed because they didnt receive the FAX. XXXX  re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called XXXX  with XXXX for XXXX  Claim numbers : XXXX an XXXX, and XXXX  said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another XXXX business days. 
- XX/XX/XXXX, Called XXXX  with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called XXXX to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from XXXX via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called XXXX to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called XXXX  and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called XXXX  to request documents since XX/XX/XXXX. We called XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but XXXX doesn't give me the documents about account application forms, identity used and power of 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 2023-09-14 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: MI

Complaint narrative:
I received a notification on XXXX XXXX that a new line of credit had been opened in my name. I called the synchrony bank trying to figure out what happened but without getting any info. After several weeks of calling and asking the account to be reported for fraud, someone finally told me the account was made with XXXX XXXX  XXXX XXXX XXXX XXXX is a security company my friend bought a security system through. I agreed to co-sign for her, I have seen her bank statements and the company has confirmed she has not missed a payment. I am being charged with her full bill regardless. 

Neither XXXX XXXX XXXX  nor Synchrony bank has been able to show me any contract Ive signed, citing that I gave verbal consent. I do not remember agreeing to a loan, only co-signing for if my friend defaults. 

Ive tried to resolve this for weeks and now months with both companies, and have disputed that line of credit with Synchrony Bank twice now. Which has been denied both times

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was issued a 1099c for three ( 3 ) charged off credit cards, Synchrony Belk, Synchrony Home and Synchrony PLLC., however my XXXX credit report info does not reflect a discharge of debt. I have attempted to resolve this issue by phone, by calling both Synchrony bank over six or more times and still no resolve. I have also attempted to dispute this via XXXX over 6 or more times and still no resolve. This issue have been unresolved for over 9 months. 
See attached my most recent dispute attempt with XXXX and how my information have been reported currently. XXXX have also been rude and belligerent towards me in my attempt via phone

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 2023-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX, Opened XXXX  checking account and was listed as a co-owner through Charter Bank. 

XX/XX/XXXX The reserve line of credit was approved on XX/XX/XXXX with borrower # 1, through US Bank. 

I did not complete an application for a reserve line of credit through US Bank

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 2023-09-14 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: Experian Information Solutions Inc.
State: TX

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A

. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: TX

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 Account Number: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 repor
ting 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 explanation
Consumer complaint received 2023-09-14 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: TX

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 Account Number: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 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 2023-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
I am refilling this complaint to PORSCHE FINANCIAL SRVC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 2023-09-14 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: 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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/XXXX, a representative came to my house for a fence installation project. Lowes offered financing of a 7.99 % simple interest loan and equal payments of {$230.00} a month for ten years through their apartment Synchrony Bank. The total amount of the purchase was approximately {$22000.00} ( which was split into two different payments ). I have been paying on time every month. Recently, the bank started charging me a crazy 27 % of compound interest on the purchase, claiming that the promotion had expired in addition to adding nearly {$5000.00} of interest charged to the account. The bank increased my required minimum payment of {$230.00} or so to approximately {$740.00}. They are damaging my credit due to the inability to make this huge payment that I did not sign up for, they are causing me hardship. 

I started contacting Lowes and the bank about the issue on XX/XX/XXXX, and to date, I have no resolution. After many attempts to resolve the issue, Lowes admitted they applied the incorrect promotion when they charged my card. Lowes claimed that they fixed the situation with the bank ; however, it appears that neither the bank nor Lowes want to honor the 10-year equal payment terms. Lowes wants to put me on their current promotion, which is 84 months rather than 120 months, with a significantly higher payment still. 

Lowes was not transparent with me when the purchase was made. Lowes also refused to give me a receipt of a copy of my contract. It is difficult to contact Lowes and their employees are irresponsive. 

I am attaching an account statement that shows the recent interest charge and change in minimum payment.

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 2023-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding a collection account held by Jefferson Capital, with the original creditor listed as XXXX. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. 

Upon reviewing my credit report, I was surprised to discover an entry from Jefferson Capital, claiming an outstanding debt related to a purported transaction with XXXX. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both Jefferson Capital and XXXX, and they have been unable to provide any substantive details or evidence of this debt. 

In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with XXXX that would lead to this debt. Additionally, both Jefferson Capital and XXXX have been unable to furnish any supporting documentation or verifiable information regarding this account. 

I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. 

Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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