vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Found charges for " card security '' on an Amazon synchrony card that I never enrolled for. They said a box was checked when I signed up for the credit card - I never checked a box requesting this. The company refunded the charges for XXXX - but apparently have been charging them since XXXX. I was told a supervisor was unavailable but one would call me back within 24 hours on 2 occasions and no calls were received back. Third time I called I was still told there was no supervisor I could speak with I requested to hold until a supervisor could be located. I was on hold for over 50 minutes and was told they could not help me.

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 2022-09-07 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
Re opening Case # XXXX Please see enclosed documents, I have the right to dispute for the bad service/service not rendered. Enclosed again is a copy of falsified receipt that Comenity honored rather the real receipt that I keep sending them, but they keep ignoring. 

Comenity never took my dispute seriously, see enclosed bunch of letters from them that keep asking me to send a proof. Take note of the dates. I have been disputing this from day XXXX, XX/XX/2021. They not once acknowledged my evidence and my right to dispute for " BAD SERVICE/SERVICE NOT RENDERED '' The FAIR CREDIT BILLING ACT- gives you the right to dispute charges in case you are dissatisfied with the transaction. 

FEDERAL TRADE COMMISSION states that you have the right to dispute charges that weren't delivered as agreed- WRONG ITEM : AGAIN : SEE ENCLOSED RECEIPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
I contacted Experian for a fraudulent address that XXXX XXXX reported to them. I have disputed the fraudulent activity from this collection agency, XXXX XXXX, several times with you CFPB and Experian. FYI I use to work for XXXX XXXX under the law firm XXXX XXXX XXXX. I am been XXXX  and sabotage repeatedly by this company XXXX XXXX managed by XXXX XXXX XXXX. XXXX XXXX is utilizing my past employment information to consistently stalk and XXXX me. I was a XXXX XXXX for this XXXX XXXX for almost a year and they never Once confronted or confirmed this alleged debit while I was working there. However ever since I quit XXXX XXXX XXXX, due to the hostile work environment I have been continuously XXXX  by this company, XXXX XXXX managed by XXXX XXXX XXXX. I will also be contacting the FTC. 

When XXXX XXXX first reported this account in XX/XX/2022 they alleged they sent debit validation to my associated address in XXXX XXXX. Now in XXXX they are applying another address in XXXX to my credit report. Please stop this fraudulent, XXXX activity.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
We went to RoomsToGo to purchase furniture. We made a purchase and are awaiting delivery. So far, no problem. Then we received two credit cards from Synchrony bank for RoomsToGo. We did not apply for a Credit Card, make an inquiry about a Credit Card nor show an interest in a Credit Card with Synchrony Bank RoomsToGo.

When we tried t

o call Sychrony, it was like pulling teeth. Finding a number was difficult and it took several calls with long wait times to get a hold of a person. And of course, there is the frustration of being hung up on. The end result was that we were told to just destroy them. I can only hope it works. 

We had a Sam 's Club card that turned out to be from Synchrony and after I cancelled it, they still put a charge on it ( Sam 's Club membership ). And I had to go through the same awful experience to insure the account was closed.

Synchrony Bank is not someone you want to do business with for a variety of reasons which include, among others, a horrible interest rate, horrible customer service and undependable results ( in my experience. )

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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately 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 non-monetary relief
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions. 


I have asked this company several times to provide me with a signed contract by myself and they have not delivered

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 2022-09-07 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: The Law Offices of Mitchell D. Bluhm & Associates
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX MBA Law {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: Specialized Collection Systems, Inc.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX Specialized Collection {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I was pre approved through credit karma multiple times and was denied multiple times. I am still getting approval messages. It has lowered my score and I am seeing cards and loans that have hurt my score that I did not apply for. My score wasn't real great but know it's awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the following inquiries are fraudulent and were not authorized by me XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 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 XXXX XXXX, XXXX Removal date XX/XX/XXXX 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 XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXXXX*************, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXX************* XXXX*** XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX  XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : 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 2022-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX XXXX Real Estate and Public Accommodation :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I sent a cease and desist notice by certified mail to TD auto that was received on XX/XX/XXXX. I made a complaint about the company after receiving numerous calls, text and bills from the company dated after that date. The first complaint for this company was closed ( complaint code XXXX. ) The response back from the company they apologized for contacting me after cease and desist notice explaining they needed time to forward the cease and desist to the right people. The last XXXX days ( XXXX XXXX ) I received XXXX more notices by the company I need this company to stop XXXX me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the XXXXXXXX XXXX XXXX. The program in my state, XXXX, is called the XXXX  XXXX and is administered by the XXXX Department XXXX XXXX XXXX. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, XXXX I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, XXXX, and a payment was made to XXXX in XXXX, XXXX. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the XXXX XXXX program, XXXX began to report my payments as past due for XXXX days starting in XXXX, XXXX days in XXXX, and then XXXX days for XXXX, XXXX and XXXX. After payment was made to them by the XXXX XXXXXXXX program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXX, XXXX. The update now shows my payments as current, but they did not update my credit report regarding the XXXX, XXXX and XXXX months of XXXX day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the XXXX XXXX ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the 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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was on credit karma and was denied 3 times for a credit card when they stated I was pre approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AL

Complaint narrative:
I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without 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 2022-09-07 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: GA

Complaint narrative:
There are XXXX inquiries on my report that are unauthorized and unverified. I've already contacted the original creditors about these.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX took a {$100.00} from my Checking Acct. 
On XXXX XXXX XXXX the same company took out {$70.00} from the same Acct. 
Several times I requested them to Cancel my contract and this all was because they didn't do the repairs as they advertise when I became a customer with their organization 2 times once in XXXX and once in XXXX. where they did nothing to repair my Heat Pump the first time in the winter when it was cold and once in the Summer when the heat was 100 degrees. I am a XXXX veteran with XXXX XXXX XXXX and both conditions of the weather have affected me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit karma has been offering credit cards and loans that say I am prequalified for and after filling out multiple forms and impacting my credit, I ultimately did not qualify for. Is this legal to be misled this way. Im trying to improve my credit and it just keeps taking hits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES

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