vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Disputed Amount : {$610.00} paid by me to Synchrony Bank on XX/XX/XXXX. 
Issue : Synchrony Bank has not refunded the inaccurate and false charges posted to my account despite agreeing to refund the extra charges as stated in the last response, Synchrony Bank has failed to fulfilltheir promise. 
On XX/XX/XXXX I had mailed the proof of payment to SynchronyBank to the address theircustomer representativehad provided which is SYNCHRONY BANK FRAUD Department, Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CalledXXXX  XXXX ( person handlingmy case from SynchronyBank ) on XX/XX/XXXX and XX/XX/XXXX requesting that my refund be processed, but no action hasbeen taken. 
Besides destroyingmy creditreport, subjecting me thru mental and emotion torture, inflicting financial pain and making me spend endless amount of time in pursuing my case, running pillar to post, what else is remaining that will stratify Synchrony bank to follow thru their promise. 
For a simple law abiding personif this is not tyranny of rich and powerful financialinstitution like SynchronyBank, then please enlighten me with the new and appropriate definition of tyranny. 

Sincerely 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 2024-02-18 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: LCI Acquisition Inc.
State: TX

Complaint narrative:
Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: AZ

Complaint narrative:
15 U.S. 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 four 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 2024-02-18 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: TN

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right.I saw inquiries on my credit report, and need to remove them because they are inaccurate, incomplete or unverifiable : I never applied for credit with this company, pl I want my credit report to be accurate and by law they need to removed because the accounts are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I financed a piece of jewelry from a jewelry store through Comenity Capital Banks XXXX credit card for the amount of {$6700.00} on XX/XX/scrub>XX/XX/2023. When the first bill came I was still waiting for XXXX XXXX to deposit into my bank account, and that amount turned out to be not quite enough to pay the full amount of the XXXX card off. Rather than making monthly payments until the asset funds hit my account, and then making the remainder of monthly payments after I paid a lump sum using the assets amount, I used another credit card to pay the full amount of the XXXX balance in the amount of {$6700.00}, They took my payment over the phone XX/XX/scrub>XX/XX/2023. That amount posted on XX/XX/2023. On XX/XX/2023 XXXX charged that card again, and my bank statement also reflected that the amount due was the amount of both charges. When I called to tell them they double charged me they denied doing so, saying their system didnt reflect a double charge. In XXXX I received a statement from XXXX that reflected they had received the payment of {$6700.00}, and the only amount due was an interest charge of {$25.00} so I paid that. The double charge was still showing on my personal bank statement, so I had my bank reverse one of the charges in the amount of {$6700.00}. In XXXX I received another statement from XXXX again reflecting the full amount due was {$6700.00}. I called XXXX to tell them they double charged me and my bank reversed one of the payments. Since XXXX of 2023 I have been in dispute with Comenity Capital Bank that I owe them the amount of {$6700.00}. I have sent them every piece of information they have requested, bank statements reflecting the double charge, letters from my bank on my banks letter head with transaction and trace numbers. All that happens is I get a letter in the mail or a secure message on their websites secure messaging platform saying that the dispute has been closed because the payment was returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted BB & T to dispute a charge on my credit card dated XXXX in the amount of {$160.00}. Claim XXXX. Several weeks later, I noticed they issued a credit but than charged the card the same amount again. I contacted BB & T again on XXXX and was told that is just they way there system is ; I was assured they were still investigating, and the matter would be resolved. On XXXX, I called again and was told again, they were still investigating. I pointed out that it had been almost 3 months. I was assured that they would have final resolution by XXXX. The erroneous charges still appeared on my statement; on XXXX, I contacted them and spoke to a supervisor who stated all she could do was submit a request to escalate the matter and indicated I should hear something back in several days. I followed up on XXXX and was again told it was still being investigated. 

Each time I called to a ridiculous amount of time and effort to reach someone. I was transferred and disconnected numerous times. BB & T never initiated contact to update me on the matter. Even the supervisor was unable to provide anything more than request that the department investigating the matter address the matter - no response. As of the filing of this complaint, XXXX, almost 4 months later, BB & T has failed to address this matter or tell me what is happening with the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on XXXX XXXX and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called XXXX and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am having issues with my credit score but theres no way for me to dispute my actual score. I check my credit score regularly to keep up with any changes. I checked my score today on XXXX XXXX and it dropped a whole XXXX points for no apparent reason. No new accounts, no new collections, no new inquiries etc. the only change to my report is the decreasing of the balances on my credit cards and loans. I have two collections on my report and I did max out my credit cards but my credit score has already been affected by these accounts as it dropped dramatically because of these things. Since then Ive been making payments on my open accounts every month on time. My balances have decreased. And my credit score was going up. Now all of a sudden a whole XXXX point drop with no new negative information added to my credit report. I called XXXX and they can only tell me about the things that Im already aware of. They keep telling me that I got collections on my account but I keep telling them that that has been there and those collections already affected my score and dropped it dramatically. They keep telling me about my utilization rate ( which is high since I did max out my cards ) but once again my utilization rates has been steadily decreasing since I have been paying off my balances. The fact is I have been paying off my balances on time every month without a single missed payment, my score was bouncing back from the initial dramatic drop which I understood due to my financial actions. There has only been positive information going into my credit report at this point with nothing new except on time payments. None of my accounts were closed. I still have all of my accounts revolving. I have been working too hard to build my credit simply due to the fact I have a child on the way and me and my fiance are trying to get a home for our family. This happening to my credit has made it difficult to do the things we need to do. There is nothing right or fair about this. And there not one viable explanation to why my score would just drop for no apparent reason. I have a hard time believing that this is even legal when so much our lives as citizens of this country rely on our credit scores. To be able to drop someones credit score for no apparent reason and make life harder with no explanation, with no new negative information. I really need help understanding this cause this has changed all of my plans and the time frame I had to complete these plans. Come someone please help me because talking to the credit bureaus is no help at all cause it seems like they barely know how things work.

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