vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My issue isnt with a specific store credit card but it seemed to fit your categories best. This is a medical payment card to be used for medical expenses. 

Synchrony Care Credit Rewards Mastercard. I find their actions rather devious. They have promotional offers to charge your medical expenses and pay for them within a time period with no interest. You can also charge non promotional medical expenses. However, their billing statements do not reflect the difference between promotional and non-promotional and you can not apply your payment to non-promotional. This way you end up paying interest. Sneaky in my opinion. I am not sure how the money is applied but I certainly want to pay the non-promotional charge first to avoid interest fees. I called them and was able to apply a payment to the nonpromotional balance but was told the statements or online payments are not set up to do this. I have to can each time to do this. 

Buyer Beware!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX continues to report misinformation to TransUnion and XXXX despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX  continues to report misinformation to XXXX and Equifax despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Global Credit Union
State: AK

Complaint narrative:
XX/XX/XXXX bank was called and a higher up was notified about my debit card getting cancelled many many times. Fraud and dispute are doing this. Senior person of dispute recorded me without permission and knowing until I ask. She kept asking what what??? It was not cool to be recordedXXXX went into 2 banks and noone at XXXX XXXXXXXX XXXX XXXX XXXX could not help. XXXX from back support said someone wanted to talk Monday to me but no calls to my phone on Monday. I called the bank and we did not work out a resolution. I guess its their way or no way!!!!!!! I have been a member for a very long time. This is nonsense getting my Card canceled many times and others blocking my card.. On XX/XX/XXXX talked to an acting supervisor and he had me write my concerns down on paper with me attaching some mail I received about old and new accounts at XXXX XXXX XXXX XXXX not have an old account anymore. Dispute suggested when I was scammed in XXXX, I open a new account with new card. This senior person I talked to today just wants Information and was not helpful.. Thanks.. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
HI my name is XXXX XXXX and i been disputing lvnv funding adn XXXX XXXX from my credit report for months and months. im finally reporting them to cfpb and the XXXX  and im also gon na file a suit in federal court, I'm requesting this company to delete this account off my credit report and i want this done asap delete off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NV

Complaint narrative:
I noticed unauthorized inquiries and accounts on my credit report. It appears someone must have applied for something in my name. I have sent several disputes to remove these discrepancies. However, I have had no success in my attempts. These inquiries and accounts are fraudulent, and I would like for you and your team to have them removed. ( XXXX XXXX XXXX XXXX XXXX {$8800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$1800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX for {$550.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$470.00} date XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. 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 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 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Needing my fraud alert removed from my personal credit report. 
ID is attached SSN is attached proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Yield Solutions Group, LLC
State: CA

Complaint narrative:
I applied for a lease buy out with RefiJet at the beginning on XX/XX/XXXX. I was assured everything was great, I got approval from the bank, my credit score was checked and I got a hard inquiry on my report. 

2 weeks go by and I followed up several times, every day for 5 days, never hearing back from my agent or anyone at Refijet. 

Finally after calling for a 6th time, someone told me they were not going through with my loan because my manufacturer wouldn't allow it. 

I think it's extremely unprofessional to put a customer through this. At least have the decency to return a call or give an update when the loan wasn't going to go through, I could have found other options in this timeframe instead of wasting my time and dragging this process along and also now I have to run my credit again for another hard inquiry.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Transunion and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the XXXX and waiting weeks for a resolution. 
I did not send my personal information to begin with!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: ID

Complaint narrative:
Received a text from someone named XXXX XX/XX/XXXX said I owed {$770.00} amount. As I had already disputed amount/was removed previously I asked for email to send them this information - I come to find they had already posted this on my credit report XX/XX/XXXX and to date Ive not received any sort of Debt Validation letter now over 90+ days of reporting this invalid debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX my previous XXXX  account was paid in full without my authorization in the amount of {$1800.00} which were my school funds that I needed at the time to survive as a student. I spent unnecessary time filing various disputes and both times they where removed from my credit report and came back with a higher balance than before. The amount went up to {$1900.00}. This account has been sold to I.C. System, INC which was removed from my credit and then it was put back on my credit with XXXX XXXX  which was removed again and then was sold again to I.C. System, INC with the higher amount of {$1900.00}. This happened to me during the global pandemic and this is still on my credit profile as a collection with a status of- Seriously past due date assigned to attorney, collection agency, or credit grantor 's internal collection department. 
I have attached ; -my XXXX bank statement that shows the unauthorized payment taken out via XXXX, - XXXX dispute letter verifying this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Needing my fraud alert removed from my personal credit report. 
ID is attached SSN is attached proof of address is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report. I've already disputed these items but the bureaus didn't remove them, nor prove validation. XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo wrongfully foreclosed on our home on XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke with Capital One today after being in the Hospital with XXXX  and missing work and paychecks. Spoke with a rep from Capital One and told her that after missing two payments and receiving two late fees and accrued Interest of {$230.00}, I would like to make a settlement. The rep gave me a {$50.00} credit towards the {$230.00} fees and then transferred my call to a different department. When I asked the new rep, ( XXXX ID # XXXX, Im sure is bogus ) to discuss a settlement, she replied that they can not because they just gave me a credit. I said, the credit that was just given 30 seconds ago? She said yes and asked us not to record our conversation. I then asked her to escalate the call and XXXX said she was it. I asked what was the percentage of Interest, and she said the usury charge of 29 percent. If this isnt the worst case of abusing and taking advantage of consumers, I do not know what is. Please provide some assistance with this situation. 
Thank You In advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 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: AZ

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report.

1. XXXX XXXX  ; Account : XXXX 2. XXXX Account : XXXX 3. XXXX XXXX XXXX  Account : XXXX**** 4. XXXX XXXX Account : XXXX 5. XXXX XXXX XXXX  XXXX Account : XXXX This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: SC

Complaint narrative:
XXXX XXXX XXXX  showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I submitted a report with the Federal Trade Commission for suspected ID theft on 5 accounts. I provided the report to Experian demanding that they block the accounts from my credit report based on federal law. Experian declined to block the accounts, in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive reached out to Transunion, XXXX and XXXX stating I opened a XXXX XXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently

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