vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To Whom It May Concern. I had made a Complaint On XX/XX/year>. I have Spoken to Someone about the problem. I Called the bank that I had the loan from. From the Store I Receive my Furniture from the place. The bank and the store I Receive my furniture from Did Over Charge me. {$3800.00}. for XXXX things that does not come to that amount. They Gas Light me. The man In The Store Just put Down {$3800.00}. He Didn't Even Right Down all The things I Received .So I Called the bank and they told me I have to pay {$3600.00} When I paid {$900.00}. Would've Left my Bill around to {$3000.00} to {$2900.00} and Change. So Now They want me to pay Close to {$700.00} Extra. when they New I am On a Fixed Income. So Did The Store New as Well. Now They are trying to Mess With my Credit. I Need Help With Problem. My Complaint Number From C.F.P.B # XXXX. And By The way The Owner of the Store Closed Down 2 Months ago. So I Can't Even Go After him With This Problem. They said There Percentage Is 29 %. No Told me thing until just now. if so I would not have bothered My S.S # XXXX. My Phone ( XXXX ) XXXX thank you. 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 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Charge-Off from Credit Report Dear Sir/Madam , I am writing to formally request that the charge-off listed on my credit report for the Capital One account be reviewed and removed. The charge-off in question is listed under the following details : Account Holder Name : XXXX XXXX Account XXXX : [ Insert Account Number ] Charge-Off Date : XX/XX/XXXX I acknowledge the financial challenges I faced that led to this charge-off, and I regret that it occurred. Since then, I have worked diligently to improve my financial situation, including taking steps to settle and resolve any outstanding debts. I respectfully request that you consider removing the charge-off from my credit report as a gesture of goodwill, as it no longer reflects my current creditworthiness. 

Removing this negative item would significantly improve my credit standing and help me continue to rebuild my financial profile. I sincerely hope you will consider this request favorably. 

Please let me know if any additional documentation or information is required to process this request. I can be reached by phone at XXXX or by email at XXXX. 

Thank you for your time and consideration. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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 got a copy of my credit reports and notice some fradulent 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 2024-12-07 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: GA

Complaint narrative:
I got a copy of my credit reports and notice some fradulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have a Venmo account, and in XX/XX/year>. I feel victim to a money mule scam and sent funds to an external account from funds produced from a fake check. I tried to explain to Venmo the reason for my transfers but instead i received a email from venmo instead that my account was permanently suspended from multiple violations of their privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: VA

Complaint narrative:
My right to privacy has been violated by Experian, Pursuant to the Fair Credit Reporting Act 15 USC 1681. Section 602 states my consumer report does NOT include reports containing information solely as to transactions or experiences between person and consumer. I did not give authorization to release private information and damage my financial reputation. These alleged negative accounts Experian reported are false and inaccurate as it has not, and can not be validated with my wet signature. 15 USC 1611 states not only is reporting false or inaccurate information unlawful, but so is failing to clearly disclose all information to me as a customer. 
It has also come to my attention this company was involved in a data breach. My personal information needs to be Private and close communications of valid accounts to be reported only!

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In 2019, I sold my home. However, the mortgage company, PennyMac, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-08 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
on XX/XX/year> I was contacted by someone from the doctor 's office I was going to be seeing in the future for a consultation for a procedure. This person was very pushy and was selling on a promotion for up to 50 % off if they check to see what I qualify for. I informed him that I had already check and was qualified for another card. I figured it could not hurt if they just check since I already know I qualify for the other card. I all of a sudden feel a lot of pressure to get the XXXX scheduled now so that I can save money. That the XXXX schedule was filling up fast so I needed to act. It was a very high pressure sell that I immediately regretted. Here I was signing up for a procedure before even having any consultation. 

The initial consultation was scheduled for XX/XX/year> and I had the XXXX scheduled for XX/XX/year> that was made on XX/XX/year> on that phone call with the solicitor from the doctor 's office. This meant that I was now scheduled for a procedure in 3 weeks when I hadn't even had my first consultation. I had scheduled consultations with 3 doctors so that way I was confident I made the right decision. I immediately contacted the doctor 's office to let them know that I did not want to move forward with the procedure. 

That I felt it was a very high pressure sale designed to get me locked into a contract. I immediately wrote them a termination of contract letter based on XXXX XXXX XXXX XXXX Code Sec. XXXX using my statutory right to terminate the contract and get a full refund for services not rendered. I sent this via certified mail within the time allowed by Texas law. In short, I disputed the {$7800.00} charge on my credit card because I terminated the contract in a legal manner based on the manner of how credit was extended to fund this purchase. 

XXXX, part of Comenity Capital Bank, has a policy that if you are not satisfied with the services then I many not be held financially responsible for the remaining balance. I informed them that I was indeed not satisfied and wanted a full refund. The doctor 's office agreed to refund {$5800.00} after telling me that I would not get a refund if I did not remove any complaints about the doctor 's office. I am not satisfied with them wanting me to pay the remaining balance when I canceled the contract and never received any services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXXXXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

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 2024-12-07 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXXXXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX  XXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of engelhardt. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
Despite several attempts, the unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA a copy of the original creditors documentation on file must be provided to me, the consumer, to verify that this information is mine and is correct. I have not been provided any original documentation, consumer contract with my signature on it. This is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ).

Also, I have not been provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under the FCRA, Section 611 ( 5 ) ( A ), the account must promptly be DELETED.

If you fail to comply with federal law, I fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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