vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I paid my XX/XX/XXXX Synchrony Sams Club MasterCard payment via Bill Pay from my bank on XX/XX/XXXX. I have attached the payment details from my bank showing that the payment was made to Synchrony ( XX/XX/XXXX ), delivered by USPS ( XX/XX/XXXX ) and cleared my bank ( XX/XX/XXXX ). I called in to make the dispute on XX/XX/XXXX and mailed the proof to 2 Synchrony addresses. Synchrony closed the dispute stating I did not provide proof. I dispute again in XXXX via their online dispute form. On XXXX Synchrony closed the dispute again saying they could not find the payment. I called customer service and was told that the check orientation was not correct and they couldn't read it, however, the check was in the correct position when I reviewed my dispute. I spoke with a supervisor who was able to read the tracking numbers and said my account would be credited within 30 days. However, my account still has not be credited with my first payment and correcting their mistake should not take this long. Synchrony receiving a paper check from my bank 's bill pay system is no excuse! I had to pay all subsequent payments in store, since Synchrony can't seem to process payments correctly.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I believe TransUnion XXXX and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I believe XXXX Equifax and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
Reached out to the company to get a proof of contract as I feel I am not liable for this nor was I notified of any collection and would like this removed from my account FRONTLINE ASSET STRATEGI  Last reported XX/XX/2023 {$4800.00} Open balance XXXX XXXX XXXX XXXX  Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I've been educating and working on improving my credit scores in line with bank requirements for my new LLC 's credit lines. After a deeper review with TransUnion, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello I was incarcerated when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been buying and selling XXXX  for 3 years now, and am a member of a group on XXXX. Recently I was looking for a particular breed and someone suggested contacting XXXX XXXX XXXX, which I did. They said they could send me XXXX XXXX  for {$220.00} and this included shipping. I was asked to send it via XXXX ( which is through my bank PNC ) to a XXXX XXXX ( the breeder ). I did this and then the " breeder '' contacted me later in the day ( via XXXX ) that he was at the post office getting ready to ship them to me, however, the post office was requiring an additional {$150.00} for insurance & crating ( which was going to be refundable after they were delivered ) and then {$110.00} for vaccinations. None of this was a red flag since these are normal requirements. The red flag happened once the " shipper '' contacted me via email and stated I needed to send an additional {$490.00} in order to get the XXXX  into Ohio. NEVER have I had to do such a thing, so I told them to cancel the shipment. I then XXXX  the breeder and told him to refund my money or I would file a complaint. I also contacted PNC to let them know I had been scammed, however, they refuse to refund my {$490.00} because they said I knowingly send those transactions. PNC now has the 2 emails that I sent the transactions to marked as " fraud/scam accounts '', but they still refuse to reimburse me even though I unknowingly was being scammed. I don't feel asking for my {$490.00} back is unreasonable since I thought I was involved in a legal deal. I didn't know any of this was fake until I started researching the phone numbers, emails, breeder facility, etc. All of these things came back stating that they didn't belong to any one person or company. PNC told me that because they couldn't get the money back, that I would have to accept the loss. I do not agree with this at all. I kept all the messages the breeder sent me, along with all the transactions and messages from the shipper. Obviously this person or persons knew the right things to do in order for me to believe I was dealing with a legit breeder, so I don't feel this was my fault. Going forward I will heavily research anyone else I deal with since this apparently is a new thing - scamming people on XXXX  sites!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article : XXXX XXXX XXXX  The advertised rate as of this date is 4.30 % APY. I just noticed that I have been earning a rate of 0.30 %. In addition to the above noted article description of my issue ( with the only difference being the current market rates ), I called and was told by Capital One Management that I have a grandfathered account ( 360 Savings ) and in order to get the advertised rate of the non grandfathered account ( 360 Performance Savings ) i need to open a new account. The bank had no problem reducing my rate over the years but suddenly, and without warning or proper notification to its customers, it " grandfathered '' accounts, seemingly as an excuse to avoid paying market rate/advertised interest on my HIGH YIELD savings account, which I have held since opening with XXXX XXXX  almost 20 years ago. Capital One 's new account is similarly named ( adding the word " performance '' ) and also has no fees similar to the grandfathered accounts. There is seemingly no appropriate business practice for this change other than to deceive and defraud long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Resurgent stating that I owed a debt LVNV Funding LLC money. They didnt include any information other than the original creditor of XXXX XXXX XXXX on the letter. I sent them a letter on XX/XX/XXXX requesting more information regarding the debt. I received no response. In XXXX of XXXX I noticed that LVNV Funding placed the collection on my credit report. I sent a letter to all 3 credit bureaus requesting this be taken off of my credit report due to fraudulent activity from this account. I sent a copy of the police report showing the creditor listed. In XX/XX/XXXX I sent another letter directly to LVNV requesting contract or agreement with all parties information with no response either. Now they are sueing me for the collection when they never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since XX/XX/2009 This XXXX XXXX XXXX ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX XXXX address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to XXXX. CRA procured my private information unlawfully and without XXXX 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent activity my ID and Social was stolen so I see hard inquiries on my credit I did not do at all and I am trying to dispute these items off my credit because it is fraudulent activity I even spoke to transunion provided I need to fill out a fraudulent activity report XXXX  Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/2023 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXXP XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XX/XX/23 I do not recognize this inquiry

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hello, I requested a balance transfer on XX/XX/23 from my chase credit card account to a newly opened wellsfargo account for the amount of {$5700.00}. I went on the wellsfargo website and filled out the application for a balance transfer. once the balance transfer was processed on XX/XX/23 the XXXX was posted on my wellsfargo account. I then checked my chase account and realized that I still had a balance of {$5700.00}. I contacted XXXX and they stated the balance transfer came from a XXXX 's account. I informed them that I do not have a Macys account active currently and it was impossible for this money to come from my Macys account. They then stated I must have typed in 1 or 2 incorrect digits by mistake on the balance transfer application that matched an unknown Macys account that is not mine. A case with wellsfargo was opened in XXXX for Macys to refund the funds. Macys has not responded yet and I have no information on how to contact Macys to get this expedited. When I call Macys they will not provide me with any information on account that is not my own. Now I have someone else 's debt in my wellsfargo account and I am having to pay on that balance as well as my own balance on my chase credit car account. I have never heard of someone having to pay someone else 's debt and this should have been taken care of already. this Macys account is not linked to my social security number, name, address. I need help please to expedite the refund of this money from Macys back to wellsfargo.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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.

The letters are stated with items and issues.

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