vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am a XXXX XXXXXXXX who utilizes Synchrony Financial to offer deferred interest financing to my customers since XXXX. Once jobs are completed, a customer will sign off on the acceptance of the work and I will submit a transaction to Synchrony in which they will pay me the contract value less a small fee and then work directly with the customer to get paid on a monthly basis. 

At the beginning of XXXX, I changed my business from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown to me, this change also resulted in a new Taxpayer Identification Number being issued by the IRS. Because my TIN number that Synchrony had on file was no longer valid, they started withholding 26 % of the customers ' payments owed to me in which I can get this money back when I file my XXXX taxes in XXXX ( a year later ). It was my error in not realizing my TIN number changed and I submitted an updated XXXX with correct TIN number to Synchrony on XX/XX/XXXX to XXXX. I followed up with a second e-mail on XXXX and also spoke to multiple departments over the phone and no-one can confirm my W-9 was received despite saying it should be updated within their system in 3-5 business days after submission. I followed up again via e-mail on XX/XX/XXXX and again this morning ( XX/XX/XXXX ) via phone. When calling their Merchant Services department, I get bounced around like a ping pong ball and do not get any answers or resolution. 

My problem is that I have a completed job in which the customer has signed off on but I can not submit to Synchrony for reimbursement until they process my updated W-9 and remove the IRS Business Withholding . I am just not getting any answers from Synchrony at this point. As a small business owner, my profit margins are only around 25 % to begin with, so withholding 26 % on my gross revenue jobs ran thru Synchrony is actually making me breakeven or lose money which is not a sustainable business.

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 2024-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MS

Complaint narrative:
We applied for the SAVE plan which would lower the amount of interest accrues monthly in XXXXXXXX XXXX XXXXXXXX with XXXX. Our application was processing until XX/XX/XXXX when Mohela assumed our loans. XXXX processed our application on XX/XX/XXXX, but our loans had already moved to Mohela. 

Mohela assumed our student loans on XX/XX/XXXX. Application processing times were 30 days. Our application has been pending since. 

On XX/XX/XXXX, Mohela representatives stated that it would be processed in 3-5 business days. She suggested that she resubmit the application in order to get it processed faster. 


XXXX XX/XX/XXXX, Mohela representatives stated that it was still processing and should be processed in 3 business days. She suggested that the initial application on XX/XX/XXXX would be processed first. 

On XX/XX/XXXX, the Mohela representative stated that it had been assigned to an agent on XX/XX/XXXX and should be reviewed and processed quickly. 

On XXXX XXXXXXXX, the agent said that it should be processed quickly and submitted to a new application. 

It is over {$400.00} a month that wil be sudsidized by the SAVE plan and we have spent hours on hold and talking and explaining to Mohela the situation. The last agent apologized for the expensive processing delay. I have sent multiple messages through the portal but they send a form email back with no info. Each time I call, I am greeted by a friendly agent who makes promises that are never actaully upheld. I called today on XX/XX/XXXX and asked to speak directly to a supervisor. I was then forwarded to a voicemail that states that the wait time to talk to a supervisor is too long so leave a voicemail and they will get back to you within a few business days. Each time that the XXXX of the month rolls around, Mohela 's processing delay has ensured that another $ XXXX of interest will be added to my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MI

Complaint narrative:
I checked my credit report and noticed some unauthorized 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 2024-02-15 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: TX

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX 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 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 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself 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. There are inaccuracies that existed on my credit report. This account was already been removed by the other bureaus because of its inaccuracies and a charge-off account should have a balance of XXXX, not {$2200.00}. Also, the date last reported on the credit report is inaccurate or outdated ( XX/XX/year> ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked Equifax to verify the debt. What procedures were used to confirm debt? They said the debt is verified? I asked how? Still did not respond. 

XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The only lawful spelling of my name is 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  We have no account listed above with that total so it is not verified and not accurate Write offs, charge offs debt forgiveness cancellation of debt, The creditor has a duty to report this information. The fair credit reporting act requires for accurate credit reporting and if a debt has been XXXX and or written off the creditor has to notify the creditor and the fair debt collection act as well as the uniform commerical code, but creditors receive a benefit and must notify the borrower as well. You are receiving a tax benefit to offset the debt. Every debt is associated with a contract, which corpates contract law : contract law requires parties to operate in good faith, clean hands, and to communicate with XXXX another. The most basic part of the contract law is parties have a duty to communicate with XXXX and another. You also failed to take into consideration, receives a benefit from writing off a debt that is forgiven, it can not under the law under the fair reporting act, allow that original debt to remain unchanged. The benefit operates in a benefit or set off, and that means the accounting must be set off set, what ever you call it a charge off write off etc is a benefit offsetting, benefit acts as a positive. 

Since most businesses use the method of accounting the offset is mandatory as a result of their reporting practices. The law does require accurate reporting, and failing to report something means you are not accurate, it is not verified, it is not validated, and the law requires validated, verified and accurate reporting. It requires all these XXXX issues to be addressed by every single creditor. This is the reason why we have the fair debt collection act in the first place. The fair creditors reporting act was established because the creditors were not accurate at all. They must report debts accurately, XXXX vs XXXX bank XXXX. This case said creditor failed to update the consumers credit report. The debt was XXXX in a. Bankruptcy. 

IRS topic 453 They can not make no claims 90 days document default 180 days they can write balance off You can not do any refinance after 90 days The Irs gives them a 1099c form cancellation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently pulled my credit report for Transunion and have noticed that they are reporting late payments on student loan accounts that should have been showing paid during the pandemic. The C.A.R.E. Acts which was initially passed in XXXX during the height of the pandemic allowed student loan repayment forbearance and all loan payments should have been covered under this act and the payments should have been deferred. 

Transunion is allowing the US Dept of Education to report 2 student loan accounts as late during the months of XX/XX/XXXX through XXXX of XXXX. These accounts were showing as paid during this time until about 2 months ago. I have made several attempts to inquire about this change and why they suddenly updated the accounts as being late during this time. I have not received a response, nor has my credit report been update to reflect the correct information.

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 2024-02-15 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: TX

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 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 2024-02-15 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello on XX/XX/XXXX. A collection company by the name of TRANSWORLD SYSTEMS INC attached a collection from an account that they purchased in the amount of {$330.00} from XXXX XXXXXXXX XXXX to my credit profile. On XX/XX/XXXX I made a complaint and emailed the collection company to submit any documents and or contracts that I have directly with TRANSWORLD SYSTEMS INC. stating I agree to pay any debts. I have not supplied proof under the doctrine of estoppel by silence, XXXX  XXXX '' XXXX, I persume that no proof of the alleged Debt, or therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
My local Truist bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted Truist several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my 20+ years of using credit. They still refuse to work with me to resolve my credit report issues.

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 2024-02-15 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: NJ

Complaint narrative:
Upon reviewing my credit report, I spotted some unauthorized inquiries that needs to be deleted effective 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not have a child support case. REmove it from your files IMMEDIATELY. Ive attched docuemtnation CHILDSUPPORT Account : XXXX un-authorized Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX sent a letter to us bank, stating and requested to delete utilization off my credit report or XXXX percent utilization.. According to the privacy act 1974. No agency shall disclose ANY records by any means of communication to ANY person by, or with the prior written consent of the individual to whom the records pertains.

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 2024-02-15 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing because I recently reviewed my consumer report, and I don't know what is going on, but I have no knowledge nor opened these XXXX credit inquires on my Equifax report. I sent in a letter to Equifax with certified mail and still have not heard back or gotten any proof that I requested. Can you please help me. Dates are below and evidence. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
unknown charges

Company response to consumer: Closed with explanation