vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Am loyal Lowes Advantage Card member since XXXX. Received email from Synchrony bank ( which handles the XXXX accounts ) that my account was immediately closed ... ... .reasons given were items on credit report including XXXX items dealing with an on going dispute with my mortgage company XXXX XXXX ... in the past 12 years at least have never gone over 50 % of what credit limit is and is ALWAYS at {$0.00} by this time of the year as it was when I was closed!!! If because of my credit report were going to reduce my limit I would not have a problem with that but NEVER gave me the option or any warning this occured!!!

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 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I had a student loan with Navient and when I called to let them know about my financial situation and that I was working for a State Agency, they recommended over and over to apply for forbearance and deferment. When I asked them about applying for the Public Service Loan Forgiveness program they advised I didn't qualify for that ( even though I worked for a state agency that does qualify ) and that it would be best to do the forbearance or deferment options. I mentioned I wanted to pay my loans but I just needed to reduce the monthly cost not defer them. They stated I wouldn't qualify for an Income-Driven Plan at that point and to defer the plan. So I went ahead and deferred the plan and then went into forbearance when directed. Finally, I spoke with someone else at Navient ( after doing forbearance and deferment ) and they stated that I would have qualified for Public Service Loan Forgiveness and also for Income-Driven and they set it up, but then it was already a few years too late as all that time in forbearance and deferment should have been on the income-driven plan and public service loan forgiveness plans. Then my loan was transferred to XXXX XXXX for the repayment plan. This caused a lot of financial hard-ship now as now I have to try to get all those months to count that should have already been counted as I was willing to pay just needed the reduced amount due to my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-02-27 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:
In accordance with the Fair Credit Reporting act XXXX  account 's : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX bank # XXXX, XXXX XXXX XXXX # XXXX. 
has violated my rights. 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

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MA

Complaint narrative:
I opened an account with US Bank in XX/XX/XXXX. They promised me a bonus, and a set of free checks. I did not receive either of these promos because : XXXX. Even though I applied to open the account during the promo period, US Bank did not actually open. my account till after the promo had ended. 
XXXX. I signed up for checks because they promised me free checks at account opening, but when they actually opened my account they charged me {$38.00} for the checks. I never recieved these checks. They also said that since these are " electronic '' checks so no actual goods will be ever sent. 

In XX/XX/XXXX, after trying multiple times to get US Bank to honor the promotions, I was exhausted and asked them to close my account and send me my balance. 
They promised they sent me a check but I never received it, even though the address I provided them is correct. 
Fast forward to XX/XX/XXXX, I can not get a timeline on when I can expect my refund. They also want me to sign some papers before I can get my refund but they won't send me the papers I am supposed to sign.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: TN

Complaint narrative:
On XX/XX/2024. I made XXXX payments to Southeast Toyota Finance for {$430.00} and {$830.00}. The due date is XX/XX/2024. These accounts are validated showing payment to them from my XXXX XXXXXXXX XXXX  ending in XXXX. 

We received a statement dated XX/XX/2024 that we owe an additional XXXX which they are trying to double bill us for. In addition, they added a late fee of {$180.00} to it. After speaking with an agent there, my husband was told they could not find any payments even though we can show it occurred. Now, this is fraud based on them as well as extortion. If we can show we paid, and they want to double the amount when everything was done timely, they intend to take more than what is required. 

We want this to be public so others who are associated with STF will know what they do and to know they have tried to extort others in their corrupt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file ANOTHER formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX of 2023 by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.

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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Check Resolution Inc.
State: OH

Complaint narrative:
I have been harassed by NCR to pay a debt I dispute. They continually call me to tell me that I will be served for this debt. I finally convinced them to follow the protocols and get a copy of the debt from XXXX XXXX. 

In the contract, there is a arbitration clause if there are issues with the debt. That clause was never enacted and the debt was sent to NCR. I want to dispute the debt and even when I received the requested documentation today, I am receiving calls from their representative XXXX XXXX XXXX ) to resolve the matter or be threatened again with service at my job or home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 of 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX 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 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 of 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a credit alert regarding my debt. When reviewed, I noticed that a water softener installed in my home is reporting as a revolving charge account. The problem with this is that I made a XXXX-time purchase, signed a contract with fixed monthly payments of {$120.00} per month at XXXX XXXX There was no charge card provided for me to continue using the available credit because it is not a line of credit that is re-accessible and there arent any products or services that I can purchase. There is no website or menu to purchase from. I do not have any other reasons to use this account. Again, this was a XXXX-time purchase, with fixed payments, no card to use because there are no other services or parts that I can order from this company. I called and discussed all of this with the lender and they refused to make any adjustments to how this account is appearing on my credit report. It has affected my score significantly because it looks like I have {$9000.00} more in credit card debt as a result of this water softener purchase. This should be reporting as an installment loan, not as an open revolving charge 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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have a Barclays card and paid off a balance in full on my last statement of {$2800.00}. The next month I got a bill ( statement ) for {$10.00} for interest even though I had no charges and my bill was previously paid off in full. This is the second time this has happened and I had to call and speak to a supervisor to get it removed. The employees said they were just following company rules and had no choice in the matter. They explained that the company still charges interest on the same day of the month ( I believe it was the XXXX ) but I paid my bill way before it was due. No other credit card company does this. Only Barclays. Needless to say, I canceled my card and demanded that they take off the bogus interest charge because I will not pay it anyway. This is fraud and is totally wrong and unethical. They are making money off of bills that have been paid off. I have a copy of my statement if you need it.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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 2024-02-27 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: DC

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-27 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: DC

Complaint narrative:
Please remove hard inquiries 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 explanation