vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: OH

Complaint narrative:
XXXX XX/XX/2023 I was never late on this account listed above. Please show proof of transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this please remove this alleged late payment from my credit report. The FCRA allows thirty days for this to be rectified.

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 2023-07-23 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: Chime Financial Inc
State: FL

Complaint narrative:
Chime bank denied putting stop Payments on my checking accounts however XXXX XXXX XXXX  two account. XXXX. XXXX, afirm  all account I paid with my routing and account number all instructions when I happen to go in and check all said same thing that the bank stopped payment this happened towards end of XXXX  thru XXXX I spent 7-8 weeks trying to handle this chime wouldnt help me because they have no records XXXX  XXXX XXXX  was the worst inly  would speak to me twice after that repeatedly hung up on me without ever speaking to me till this day I submitted in the only thing I could was my bank statement which shows money was there and that there is no record if return payment in the interim if doing this XXXX  canceled my card and XXXX  XXXX cancel one card so far both saying for multiple canceled payments which were two maybe three which again account information proves no payment submitted there was sufficient funds so now my balances have all gone up by at least {$100.00} and two cards closed and late reports to credit report and the dispute do nothing!! This isnt my fault I payed on time and if you look at my history multiple times a month so mot late either But I cant get anyplace the bank says the have nothing else to give me the cards dont care and I stuck in the middle with bills going up and up and up and credit score down down down cards closed!!! Mine which is my fault!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: SYNCHRONY FINANCIAL
State: FL

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!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed 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 2023-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank Credit Cards. They readjust/cut your line of credit in half & Close your accounts when in great standing of never paying late, usually early, paying more than the monthly minimum. This is their practice to guarantee that a customer credit rating never improves and therefore keeps the customers only qualifying for Synchrony cards at high interest rates. And not being able to qualify for competitions cards. Example : Synchrony card approved for {$1000.00}. You use 20 % of it, within 3 months, with on time payments they Cut the card limit to {$500.00}. Now your credit rating drops automatically because your card usage increased to 80 %. ( I have 5 cards with them & they did it to each one ). Each time they do this, credit rating drops because of increase card usage, even though I have not bought anything new on any of them. So this week, they notified me they closed one of my accounts due to my credit rating dropping ( that they caused!! ) And therefore my credit rating drops again for the closed account rating ( which they caused! ) This is guarantee for them to keep a client base, because customers now don't qualify for competitors cards. They have done this to hundreds, if not thousands of customers. This needs to be addressed and changes made to their " Monopoly '' way of practice, that Harms the customer. In fact, I would like to see if it qualifies under any " RICO ACT '' Laws.

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 2023-07-23 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:
Ive disputed on the credit bureaus website the wrong addresses and nothing has been changed or updated. An account is also being reported as late on XXXX and it already has been paid and closed

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 2023-07-23 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: PA

Complaint narrative:
The account Is a fraud listed below. I demand it is removed from the credit report Immediately. 


XXXX Account # XXXX The identity report is attached to this complaint.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
they said they will call me back and never did. 

see complaint exhibits for dates and more info.

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC
State: SD

Complaint narrative:
BMW Financial Services is refusing to take a payment for the lease in full as vehicle needs end of lease and I have decided to purchase vehicle. BMW Financial wont take a check unless through a captive dealership or directly from me. Now not only have I thought the vehicle was fully funded as I was told my new loan funded so I put new brakes and rotors on vehicle costing over {$700.00} but I am liable for both the lease payments and the new loan payment which hasnt even funded the vehicle as BMW refused the check from XXXX XXXX. This is a monopoly forcing me to purchase and pay more for vehicle through their dealership than using a third party to purchase the vehicle. Now I am out money there I should not be having to pay. Nothing in my original lease agreement. States that I must purchase a vehicle through a captive are authorized to BMW dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX Account : XXXX and Account : XXXX listed on XXXX, TransUnion, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX has charged to my account LATE CHARGES, and XXXX, TransUnion, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

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 2023-07-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Between XXXX I was the victim of identity fraud ; the thief applied for 3 credit cards in my name. On XX/XX/XXXX, they applied for credits cards with XXXX XXXX XXXX ( XXXX ) and XXXX  XXXX and another card on XX/XX/XXXX with XXXX XXXX. All the banks were called to report the fraud. XXXX halted the in-progress application and the other two  banks cancelled the accounts and initiated investigations. The investigations all found that these were fraudulent accounts, reported this to the three credit agencies and sent me letters stating such. Additionally on XX/XX/XXXX, I froze my accounts at all three credit bureaus, initiated fraud alerts with all of them and filed a police report. 

In XXXX, I checked my credit record with the three agencies and they had removed the accounts from my credit record but neither XXXX, Equifax nor XXXX removed the hard inquiries for the fraudulent accounts. On XXXX I disputed the inquiries with each of the three agencies. XXXX removed the inquiries and XXXX did not ( I am also submitting a complaint for them ). On XXXX, Equifax sent a letter stating they would not remove the inquiries because they are factual. I called Equifax to find out why it would not be removed and how to dispute it. They instructed me to send them copies of the letters from the credit cards and a letter stating I am requesting removal of the inquiries so on XX/XX/XXXX I mailed them the documentation. 

In mid-XXXX  I checked my credit record at Equifax and the hard inquiries were still on my record so I called them to discuss how to remove them. On XX/XX/XXXX, I instigated another dispute online with Equifax and on XX/XX/XXXX they closed the investigation stating again the inquiries are factual and would not be removed. On XX/XX/XXXX, I re-sent the credit card investigation findings letters, a letter demanding removal of the inquiries and this time a copy of the police report to Equifax. I am awaiting a response from them. 

I do not believe it should be this difficult to correct your credit record especially after the agencies are notified by the credit cards of the fraudulent activity. The mere reporting of the fraud by the credit card banks to the agencies should have resulted in the complete removal of all traces of the fraudulent activity. The fraudulent activity definitely should have been removed once I sent the investigation letters from the credit card banks. It is preposterous that Equifax has not removed this fraudulent activity at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on XXXX, XXXX, & Equifax to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and XXXX, XXXX, & Equifax have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ).

I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on Experian, XXXX, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and Experian, XXXX, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.

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 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: LA

Complaint narrative:
Personal Loans with Omni Financial will not honor Service Member Civil Relief Act ( SCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted all three bureaus several times regarding an account with XXXX that is reporting improperly. There are inaccuracies with the date opened, last payment date and date last active. The bureaus have updated my accounts several times but have not fixed the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 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 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 non-monetary relief
Consumer complaint received 2023-07-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
Per the FDCPA I requested verification of debt from SOUTHWEST CREDIT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. SOUTHWEST CREDIT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).

Company response to consumer: Closed with explanation