vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
NEVER received a bill for any amount I owe from this company and suddenly I got a letter from a debt collector. This is a complete and unwelcome surprise. Bad enough to be going through XXXX treatment for XXXX years and now I get a surprise notice from TSI ( transworld systems inc ) to the tune of {$430.00}!!!!!! supposedly from XXXX XXXX. XXXX in shock!!! This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is against Synchrony Bank as a representative of XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX and/or XXXX XXXX XXXX XXXX credit line to {$XXXX}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.

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 2024-07-21 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I ran into a XXXX XXXX misfortune and reached out to help from my mortgage company US Bank for help and to notify them. I was led to believe that I was in mortgage warbearance until the problem resolved. Once the problem resolved and I was able to resume payments my credit was slashed and reported late 180 days when that was not the case. I was told that the forbearance was approved but never that once I resumed payments and got out of the financial difficulty that I will be reported as paying late all that time. I would have went a different route. I am now suffering with incorrect reporting of 180 days late which is unacceptable it looks horrible now on my mortgage record. No one can explain to me why this wasn't told in the beginning. I would like the 180 days late removed as I have resumed my responsibility on this loan forbearance.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at 1935 XXXX XXXX XXXX XXXX, XXXX  XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX, XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: IL

Complaint narrative:
Ive disputed an existing problem with Experian reporting a late payment on my credit report the company did not provide the balance of said late payment as well as follow its own guidelines for U.S. code 1666 A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-07-21 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: FL

Complaint narrative:
IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER XXXX USD XXXX THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT 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 ) ( a ) 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 DELETE THE ACCOUNT BELOW : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USD 1681 THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT 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 ) ( a ) 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 DELETE THE ACCOUNT BELOW : 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 XXXXXX/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 2024-07-21 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: FL

Complaint narrative:
XXXX a victim of identity theft and you have a FTC XXXX that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following accounts : XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct XXXX XXXX ; XXXX Acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX AUTO acct # XXXX ; XXXX and the following inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank held XXXX of my accounts that were both sold to XXXX XXXX Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). XXXX XXXX assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( XXXX ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than XXXX times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, XXXX of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included

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 2024-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE Bank XX/XX/year> ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX Info @ XXXX Capital One XXXX, VA XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed ___________________________________ XXXX XXXX SERVICES Bank XXXX XXXX ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is against Care Credit. After months of making regularly scheduled payments, CAre Credit, presumably through XXXX Bank reduced my credit line to {$XXXX}, the approximate outstanding balance, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my wife 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.

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 2024-07-21 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: NJ

Complaint narrative:
I am a victim of identity theft, and XXXX unauthorized hard inquiries have appeared on my credit report. These inquiries were made by Bank XXXX XXXX and XXXX XXXX XXXX XXXX I did not initiate or authorize these inquiries. Despite my attempts to resolve this directly with the creditors, these inquiries remain on my report, negatively affecting my XXXX XXXX. I request that these inquiries be removed from my credit report 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 explanation
Consumer complaint received 2024-07-21 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: MI

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted immediately from my credit profile : XXXX XXXX XXXX XXXX Update to never late XXXX {$0.00} XXXX XXXX XXXX XXXX  {$450.00} XXXX Remove

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX was committed against my Wells Fargo credit card on XX/XX/2024. They attempted XXXX transfers until XXXX went through for {$7500.00} to a XXXX XXXX XXXX. This transfer was authorized by Wells Fargo, and I was not notified by text, phone, or email. I did not approve or authorize this transaction. I do not have a XXXX card. I am reporting this fraud committed against me. I have been trying to resolve this problem since XXXX. Wells Fargo is not taking responsibility because they say it was done from my computer and that I was the one who made the transaction. Wells Fargo is not investigating where the XXXX address of the transaction came from. I am seeking help to resolve this problem as I am now being charged fees for not paying an account that is not mine.

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year> someone hacked into my Chase account and redeemed XXXX points onto gift cards. Chase acknowledged the fraud and said the points would be credited within three weeks, however when I speak with then they just tell me the account is under review and there is no one to speak with. The department that deals with this does not answer inquiries. This same thing happened less then a year ago and Chase credited the points back within days. The hard part about the whole thing is that Chase does not offer two step authentication in their rewards portal. Even with checking my account daily there is nothing to prevent this from happening again as Chase does not have the necessary safeguards in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/year> I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: MO

Complaint narrative:
XX/XX/year> I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.

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 2024-07-21 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: FL

Complaint narrative:
IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USD 1681 THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY XXXX 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 ) ( a ) 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 DELETE THE ACCOUNT BELOW : DISCOVER FINANCIAL SER XX/XX/XXXX XACTUS - AVANTUS XX/XX/XXXX CERTIFIED CREDIT REPOR XX/XX/XXXX XXXX XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. 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 2024-07-21 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: IN

Complaint narrative:
I keep trying to reach Experian about the information they are showing for XXXX and XXXX. What is displayed for the XXXX score according to Experian in regards to XXXX and XXXX are very different. Experian shows a score of XXXX for XXXX but XXXX shows a score of XXXX ; They show XXXX as XXXX but XXXX shows XXXX. Experian also shows both as either fair or poor payment history for XXXX XXXX respectively, However, XXXX has a recent dispute letter from XXXX showing a positive payment history as does XXXX. So, where is Experian getting this information and why haven't they updated anything in months? 


I can't get thru to anyone to find out

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