vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello and Good Day I reached out to Experian credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} Experian has not XXXX Attached are copies of disputes letters that I have sent out as well as a copies of my fraud report ( I have sent 3 rounds of copies and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling 3 letters. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. None of the reporting agencies have done their job under the Fair Credit Report act ( all they responded saying was that XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

kind Regards, 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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I asked that the account be updated to show current and not 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Lvnv funding llc is reporting two accounts XXXX and XXXX to XXXX as collections accounts. Via 15 usc 1692 c ( b ) who ever the debt is owed is not allowed to communicate with third party in connection with collections of any debt. The debt holders sold my information to lvnv funding llc after several disputes and no evidence of agreement or consent for either account. Lvnv have placed these accounts on my credit file as closed. In Good Faith Lvnv needs to review all disputes and remove the close collection and stop it from tarnishing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Opened a Checking account with terms of {$200.00} if I directed deposited {$2000.00} in 3 months. I needed to show physical ID to provide who I was. Bank Agent claims they can't find the application we go around fo XXXX and hour then they send me a new Applicaiton, I ask for terms i signed up. Agent claims that offer expired so I click thelink then look up the offer its good until XXXX, so I show the agent that they lied to me and I wanted tthe deal. Then they claim there is nothing they can do and I need to leave.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have disputed a charge on my card since XXXX and apple/ Goldman sacks refuses to refund my account. i have disputed this same dispute twice. Once in XXXX and again in XXXX. I provided them with proof of everything. The company that billed me did not provide a service to me and Apple/Goldman Sacks reuses to credit my account. As a consumer i feel like i was robbed not only once by the merchant but also from apple/ Goldman sacks .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MS

Complaint narrative:
I have reached out to the business office multiple times with no call back. I have requested information and have not received anything! According to FCRA laws, it is illegal to report medical records to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I asked that the account be updated to show current and not 120 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FC HoldCo LLC
State: CA

Complaint narrative:
OVER SEVERAL DECADES I CAN NOT GET FLAGSHIP CREDIT ACCEPTANCE TO REMOVE THE NEGATIVE STATUS OF 60 DAYS LATE ON MY CREDIT REPORTS. ACCOUNT SHOW OPEN AND IS AFFECTING MY CREIDIT WORTHINESS WITH OTHER CREDITORS. PLEASE REMOVED AND SHOW ACCOUNT IS PAID / CLOSED AND REMOVE FROM ALL 3 MAJOR CREDIT AGENCIES. XXXX XXXX SHOULD SHOW I OWN VEHICLE BUT FLAGSHIP HAS NEVER UPDATED THIS.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My payments of {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX was returned as I had just closed my XXXX  account to which this card was linked to. As a result when I got to know about this, I immediately made a payment of {$790.00} on XX/XX/XXXX. Why was I charged {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX as " Adjusted Payments '' and then my account was suddenly closed on XX/XX/year>, without any prior intimation provided to me. I made the payments in full, but the final closing balance is still showing {$530.00} which is more than my purchases and billings during this period. On top of that, my account was closed. I did not ask for my account to be closed, and have been paying my bill in full each month. This impacts my credit score badly.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank XXXX XXXX has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened XXXX weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR. 

Verizon Bill Pay website shows I have made the following payments XX/XX/XXXX XX/XX/XXXX {$35.00} Cash XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA My Checking Account shows I have made the following payments XX/XX/XXXX {$120.00} ( Initial Bill ) XX/XX/XXXX {$76.00} XX/XX/XXXX {$00.00} ( This is what Verizon told me I owed because they credited my account ) XX/XX/XXXX {$17.00} XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

Synchrony has not reported the account as delinquent, but only by {$67.00} and only for a single month. See attached. Which is it? Four ( 4 ) days ago they told me I owed {$280.00}, but today they told XXXX that I only owe {$67.00}. Someon is purposely trying to destroy my credit score and whomever is doing it at Synchrony Bank needs to be FIRED! 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are in fault. It has been XXXX months now. 

I NEED HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.

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 2024-06-24 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-24 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 have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to have these fraudulent items removed from my credit report. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is one fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late and is always an issues relating to removing items via certified mail. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, please remove all fraudulent items from 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 non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-24 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Bought a new Toyota XXXX XXXX on XX/XX/XXXX from Toyota XXXX XXXX XXXX and financed through Toyota financing. The amount was for {$45000.00} for 60 month and monthly payments of {$880.00}. First payment due on late XXXX. I noticed I was not getting any information from Toyota about the loan, and I could not find any loan under my name with them. I contacted the dealership on XX/XX/XXXX and was told that it could take longer to just be patient. On XX/XX/XXXX they came to my house to sign some papers that Toyota initially needed to start the loan. On XX/XX/XXXX, they contacted me and asked me to sign something and pay for the first 2 months of the loan counting XXXX and XXXX. I authorize them to debit my account for {$1700.00}, which was done on XX/XX/XXXX. From the date and on I kept receiving calls from Toyota and missed them all because of my job does not allow me to carry my personal phone on me. Toyota would not leave messages. Finally got a letter from them with the loan information. I access my account online on XX/XX/XXXX and found out that I was overdue for the first 2 months payments ( XXXX and XXXX ). I contacted Toyota and realized that the missed calls were from Toyota debt collection. I asked to talk to customer service since they could not help me with the situation. I found the customer service agent to be empathetic to my situation and promised to get it fixed by contacting Toyota XXXX XXXX XXXX for the payments. I decided then to make the payment for XXXX on XX/XX/XXXX. days and weeks passed but my account was not fixed and still show me overdue for payments. This situation gave me XXXX and cause me stress. I was having dreams about the car being repossessed. I finally took a day off from work to fix this issue on XX/XX/XXXX. I went to Toyota XXXX XXXX XXXX and ask them about my payment. The only thing they could do is give me a copy of the debit from my account to them so I can send that to Toyota financing. I was promised a copy sent to me the next day, I never heard back from them. Same day I contacted Toyota debt collection department, and they were very rude on the phone with me and also told me that the only thing they needed was a merchant report from my back that shows the debit from my account. I got the report form my bank on the same day and faxed it to Toyota as told by them on XX/XX/XXXX. I went to the local XXXX store and faxed it with confirmation that was received. After that I waited days and weeks for them to fix the issue. My account shows till this day as I owe them the first 2 monthly payments. I called Toyota financing on XX/XX/XXXX days before my next payment due. They said they have not received the paperwork and could not help me. I told them I have sent it and done more than enough to fix their error. Told them that I will not make any more payments until they fix the issue.

Company response to consumer: Closed with explanation