vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a small balance ( under {$100.00} ) with TJMAXX on a Synchrony credit card in XXXX and was charged interest of {$2.00} on that statement but then the following month, when I had a XXXX dollar balance, they charged me a {$2.00} interest FEE for having had a balance the previous month that was charged interest? 

Also, I had autopay turned on but apparently the app does not allow autopay to cover the full account balance, the autopay feature is only for the minimum balance due. In order to have autopay for the full balance, I would need to login online to set that up. So, they make it difficult for this to work. If they can have a autopay feature on the app, why can't it be autopay in full? This is deliberately misleading and the rep I spoke to on the phone tried to blame it on the app being managed by TJMAXX and not Synchrony, but that makes no sense.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud as well as mail theft and fraud I have had {$4.00} stolen from my bank I will come back with everything else on a different report it seems we are to enter separate reports?

I have unauthorized credit cards that have been opened in my name and used fraudulently without my knowledge and are now deported on my credit reports Im asking to have every single one removed please. I want my identity BACK Im having a very hard time fighting with cybercrime and need major assistance with cybersecurity. I have recovered all resources to gain records of all information included as follows. I have filed a police report and have my claim started with my insurance adjuster a
t XXXX Police report # XXXX Resurgent has my debit now the XXXX I spoke to a XXXX she had stated to just fax anything to her at XXXX she would wipe clean and off my credit report all of these fraudulent charges I dont have the dates unfortunately and neither did she I dont have account numbers for the others as well This is still being reported can we please get this resolved and off my credit ASAP XXXX XXXX XXXX XXXX {$470.00} acct XXXX Spoke with XXXX she said she would add fraud and needs confirmation that this was turned in as fraudulent activity and reported with you and need this confirmed and something sent out to XXXX and will remove from my credit report she did add a 7 year fraud Alert XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} This is listed twice on my XXXX report XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX LVNV Funding LLC XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I noticed 3 fees on XX/XX/16 that were not on my fee schedule. When I called they put me on hold then the fees appeared. I made a payment for XXXX then the next fee changed to XXXX. I called and asked for a supervisor none has called me. The person I spoke to said the fee would be refunded back down to the XXXX. I spoke to someone they said the system can automatically adjust fees. I never signed anything saying my fees can be adjusted without my permission. So I asked for them to show me and they admitted it wouldnt be in my contract or terms. So I said they cant do it to my account and asked to speak with a manager I was told one would call in 24-48 hours and still havent heard anything. My new phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 recently submitted a complaint and as of today it appears that my score with Transunion has dropped XXXX points. There have been no negative changes since the complaint was filed. On the contrary, I have paid beyond my monthly bills and my total utilization is now at 11 %, which should have a positive affect.

Furthermore, I called the bureau directly and after being on hold for a time, a representative answered my call. I explained the situation and the call goes still and no one seems to be on the other line. I didn't get my concern addressed.

Once my score is updated to reflect my current utilization, my score should be increasing dramatically. TRANSUNION is unjustly prohibiting my progress and I need an answer for this action.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud as well as mail theft and fraud I have had {$4.00} stolen from my bank I will come back with everything else on a different report it seems we are to enter separate reports?

I have unauthorized credit cards that have been opened in my name and used fraudulently without my knowledge and are now deported on my credit reports Im asking to have every single one
removed please. I want my identity BACK Im having a very hard time fighting with cybercrime and need major assistance with cybersecurity. I have recovered all resources to gain records of all information included as follows. I have filed a police report and have my claim started with my insurance adjuster at XXXX XXXX  report # XXXX XXXX  has my debit now the XXXX I spoke to a XXXX she had stated to just fax anything to her at XXXX she would wipe clean and off my credit report all of these fraudulent charges I dont have the dates unfortunately and neither did she I dont have account numbers for the others as well This is still being reported can we please get this resolved and off my credit ASAP Innovis XXXX XXXX XXXX {$470.00} acct XXXX Spoke with XXXX she said she would add fraud and needs confirmation that this was turned in as fraudulent activity and reported with you and need this confirmed and something sent out to Innovis and will remove from my credit report she did add a 7 year fraud Alert XXXX XXXX XXXX XXXX XXXX, GA XXXX THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} This is listed twice on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under XXXX XXXX XXXX XXXX. XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: NC

Complaint narrative:
XXXX is claiming I owe them a debt that was charged back. I used a credit card that I was authorized to use to send myself cash sometime in XXXXXXXX XXXX  the card was issued from the credit card company to XXXX XXXX, who added me as an authorized user. They sent me a card in my name. The total of the transaction came to {$69.00}. I contacted XXXX, sent photos of the card, explained that the charge WAS authorized and they reinstated the account saying I didn't owe anything. Then, I later continued getting notices that I owed on the account, when there should have been no debt owed and no indication of a chargeback. Then they added a {$15.00} late fee. Last week, I received a notification of debt owed to them by a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not owe this debt. I have gone back and forth with XXXX over this, and they keep harassing me about this debt that was authorized. I've attached correspondence from them, as well as a photo of the XXXX XXXX collection agency letter. I have pretty impeccable credit, and this needs to be removed from my account as a debt owed, as it could negatively affect my score. 

The XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RAS LaVrar, LLC
State: PA

Complaint narrative:
On Monday, XX/XX/year>, I received a statement in the mail identifying themselves as XXXX XXXX. I called to see if I can make a payment arrangement, I was informed I only had the option to pay the balance in full or in XXXX  months increments. I informed them that amount is extremely excessive, I dont have {$11000.00} or {$1200.00} a month. I was informed no other payment options were available unless I provided my income and monthly expensive. I provided job, salary and monthly expensive and was informed I only can do XXXX year for {$550.00} a month, then said I can do XXXX years {$430.00} a month. Then was informed nothing can be done unless I just pay a lump some of {$8600.00}. I informed them its no way I can make those payments, can I split it biweekly, I can only do {$100.00} biweekly. I was informed split payments were not an options and payment cant be lower than {$430.00} and if I dont start in XXXX they were going to find every way to get the money as I informed them I am unable to commit to the payment. They said a document should be in my email within XXXX  days, no document was ever sent or received. I want to file a complaint and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I have been dealing with this issue for about XXXX  years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/year>. 

This information is on all of my credit reports. XXXX, XXXX and 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 explanation
Consumer complaint received 2025-01-02 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: Security Credit Services, LLC
State: FL

Complaint narrative:
I have been dealing with this issue for about XXXX  years now. I have by order of a non-jury trial. Finding in my favor that this case shall be dismissed without prejudice. i have filed complaints with credit bureau. Returning with after they investigated the issue that i am still responsible for this debt. This is negatively impacting my credit scores and my ability to qualify for a better mortgage. This debt is held with XXXX XXXX XXXX. My latest correspondence with this company was on XX/XX/year>. 

This information is on all of my credit reports. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-02 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: Midwest Acceptance Corp.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.I Have Been Impacted by these several violations of laws on my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I provided proof all payments were made on time they ignored it. 
I was in the process of buying my XXXX lease when they locked me out of my online account and refused to answer my phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from the XXXX major credit reporting agencies, I have found discrepancies in the information listed. These inconsistencies are affecting my credit profile and could lead to incorrect assessments of my financial reliability. This was previously disputed and was not deleted across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MD

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-01-02 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: MD

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-01-02 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief