vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
we had a 0 % for 18 months with {$8000.00} line of credit starting XX/XX/XXXX. 
all payments were done, by check, others by XXXX, and XXXX payments in cash. 
By XX/XX/XXXX. XXXX, we contacted Synchrony Bank Lowes Advantage Credit when we noticed the missing payments for the XXXX time on our supposed to be our XXXX Payment. 
finalizing at {$0.00} balance and enjoying the 0 % interest. Synchrony Bank said that we had several late payments and that we had a large balance that will be incurring the normal interest of 28 %, we mentioned that we have bank records of every payment and our total payments show an overpayment of {$1200.00} on that date XX/XX/XXXX. 
Synchrony Bank assured me to see into the account, they as fr copies of all checks and ePayments and we comply within 15 days wth all they requiered, there was no solutions. 
we continued making payments and we complaint again in XX/XX/XXXX, without results, by then we had over paid more than {$2000.00}. And again " no solutions ''. 
we moved to AZ, from TX in XX/XX/XXXX, we called to report our change of address and we found out they have not done anything on the file, again saying we were late. We explained that our bank showed more payments than the initial cal in XX/XX/XXXX. 
Synchrony Bank requested again our ban records and our check copies, we did comply by the first week of XXXX XXXX, sending a package with copies of all the checks and bank statements with all the ePayments to that day. still no answers, no solution, Synchrony Bank continues in XX/XX/XXXX claiming that we had pending payments, that we had missing payments, we did go over every payment over the phone and they admited that they have a credit of over {$2800.00}. 
The extreme on this issue was that this morning we received a call from SB saying that we have a pending balance of {$1100.00}, so, for the XXXX time we are filing a disputes. 
we send again all payment records on XX/XX/XXXX, showing that they recieved the payments and the previous packages, that we need to resolve this issue as soon as possible. 
no responses as the date of this complaint. 

According to our bank records as XX/XX/XXXX, we have overpaid about {$4500.00}. 

it is obvious that XXXX is having missing payments issues with more than just XXXX client. 
and since they offer no solutioons we are relying on you to assist us with this obnoxious dilemma with Synchrony Bank / Lowes Advantage credit.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite two written requests, the unverified items listed below remain on my credit report in violation of federal law. Under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correctXXXX 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 In the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of any original documentation a consumer contract with my signature on it as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have reached out to Ally and the credit bureaus to correct the stated balance which is reported double than what I originally owed but they keep reporting the incorrect amount event though according to the original contract was for XXXX not the reported XXXX that is showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
Im reaching out for assistance with the inaccurate account listed on my credit report. It has impacted my customer reputation, and I need your help to resolve this. I want these accounts to be removed since they are being falsely reported in a negative light.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This account was not opened in XX/XX/year>. This if fraudulent information on my credit and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH cXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXX in XXXX, XXXX. I live in XXXX XXXX, XXXX  and evacuated to XXXX, XXXX  due to the approaching hurricane. My debit card was denied. Next morning ( XX/XX/year> ), I checked my Truist checking account activity, and noticed the following XXXX charges that were unauthorized ( posted and deducted from account on following dates ) : XXXX. XX/XX/year> : XXXX {$1.00} XXXX. XX/XX/year> XXXX XXXX XXXX XXXXXXXX {$64.00} XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX {$64.00} XXXX. XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX. XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$1.00} XX/XX/year> XXXX continued ) : Each transaction was indicated as POS in XXXX despite the fact I had went to the gas station and grocery store in XXXX  the same day as some of these charges. I am the only person authorized to use my debit card. It is a personal account, not business account. I immediately reached out to Truist 's Fraud Communications department at XXXX and spoke with XXXX. I listed each transaction to XXXX and stressed that I have not left the country in over a year and would have no way to even travel to XXXX due to the traffic gridlock and airport closure from Hurricane Milton. XXXX assured me Truist would investigate the charges from XXXX and gave me a case number. She said to expect a form in the mail from investigators before my case would be resolved. Disputed XXXX charges and requested charge reversals for all XXXX fraudulent charges on my debit account. 


XX/XX/year> : I returned home after having evacuated from Hurricane Milton. In the mailbox, there were XXXX letters from Truist, all dated XX/XX/year> : a new debit card, a form requesting further information, and a Error Resolution Form. The Error Resolution only listed two claims : {$1.00} and {$64.00}. The form stated that the {$1.00} charge was approved as a fraudulent charge and would be reversed, but the {$64.00} charge was denied as fraudulent and would not be reversed. On my account, all XXXX charges were posted and {$1.00} was adjusted as a charge reversal. Once again I called Truist 's Fraud Communications department and spoke with XXXX. XXXX filed a dispute for charges XXXX listed above and gave me a new claim number. She stated Truist would launch another investigation and that XXXX had neglected to list all XXXX charges, dispite me sitting on the phone with her for over half an hour listing each one. The charges are no longer pending on my account activity and have posted.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ).

Your legal authority to collect this information. 
Your legal authority to collect the alleged debt. 
Your authorization to operate in my state. 
Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 , XXXX XXXX XXXXXX/XX/2023 , XXXX XXXXXX/XX/2023, XXXX XXXX XXXXXX/XX/2023 , XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but it wasnt. The inquiries stayed on my report. I'm requesting that the documents Ive sent be reviewed thoroughly so this issue can be resolved once and for all, and I wont have to stress over it again.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the re-insertion and inaccurate reporting of the following accounts on my credit report. Despite previous disputes and successful deletions, these items have been reinserted without the required notification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ). 

The following accounts have been re-inserted or inaccurately reported on my credit file : XXXX. XXXX XXXX  ( XXXX and TransUnion ) Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280000.00} High Balance : {$300000.00} Payment Status : Late 30 Days Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account Details Omitted XXXX. XXXX XXXX  ( TransUnion ) Account XXXX XXXX XXXXXXXX Approximately 30 days ago, I requested an investigation of these accounts, and I received a notification stating that the investigation was complete and the items were verified. However, I did not receive any supporting documentation or proof of verification, as required by law. To further support my dispute, I am submitting a police report indicating fraudulent activity, which directly impacts these accounts.

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 2024-10-16 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:
I am not liable for this debt with XXXX XXXX XXXX # XXXX I do not have a contract with XXXX XXXX  A New contract was never provided this is a vilolation under the fair credit reporting act.

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 2024-10-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/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 2024-10-16 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: FL

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: FL

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with the incorrect account appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your help. These accounts are being reported unfairly, and I want them 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 non-monetary relief