vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SoLo Funds Inc.
State: DC

Complaint narrative:
On XX/XX/2023, I borrowed {$400.00} from the Solo Funds App. The loan was approved but with stipulations. In order to revive the loan I had to tip the lender and I had to leave a tip for Solo funds in the amount of between 7-10 %. I requested the loan be deposited into my account via ACH. I also selected that I could repay my loan within 15 days. This means the due date would be tomorrow XXXX  The issue I have is that once I request the loan and it was approved o was told I would receive the funds in 1-2 business days. Unfortunately I didnt receive the funds until XX/XX/ late at night. This date was 8 days passed the agreed loan funding date. To make matters worse, solo funds explained when I reached out that the funds were severely delayed because they were having issues and so was their banking partner. I didnt know this until I reached out and complained. It only were they not forthcoming about having issues but they also didnt notify the lender that I had not actually received my funds yet. By the time I did get my loan, I would have only 7 days to pay it back. I asked to get a due date extension since the loan funds being delayed were not my fault. Solo stated and admitted that it was their error and their banking partners error. They refuse to extend the due date and tomorrow if I do not pay i will be reported to the credit bureau and I will be charged daily late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XXXX XXXX  and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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 non-monetary relief
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :

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 2023-12-28 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCET WITH THE FAIR CREDITREPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.MYXXXX XXXX XXXX  XXXX ACCOUNT IS REPORTING MULTIPLETIMEPLEASE 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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have 2 defered payment interest free promotional charges from Synchrony Bank I had been making the reqired monthly payments The XX/XX/2022 statement showed a " New Purchase ' '' of {$2300.00} which did not make I called and was advised it was an allocaion error and would be resolved I called every month and spoke to a different person each time They assured me it would be resolved I decided to pay off the balances on each purchase hoping it would fix it ] I receivedd a letter on XX/XX/XXXX saying my balance was {$0.00} My XXXX statement showed a new balance of {$780.00} Why? I paid up in full I have spoken to customer service, collections, payments processing and fraud departments. I can never ge a single person to work with, they say they can not call me back ( they only take incoming calls ) and after an hour on the ph0ne I get cut off I have a record of all the people I have spoken to over the last yesr Now they say i owe over {$800.00} and they reported me as delinquent and dropped my credit score 110 points

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 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
-signed an agreement with Synchrony Bank to finance a sewer repair with XXXX XXXX on my phone ; truth be known the XXXX rep pressed the button for me.

-NEVER RECEIVED AND COMPANY REFUSES TO GIVE ME A COPY OF THAT AGREEMENT; they say XXXX XXXX  should supply that, but XXXX claims they don't have a copy and have tried to get it from the Bank but they won't even speak to them - I want to see in writing what the interest rate is because they have the regular rate and a promotional rate which is what I received supposedly but have nothing to prove that I did. They claim it is on my statement. Where?

- I made a mistake when I sent the first payment in, didn't get the full account number on the check, corrected it as soon as I was notified and paid them the right amount. There was supposed to have been no penalty for this error because of the timeliness of the correction.

-My bank account shows that I have paid them the correct amount each month since I took out this loan -they say I owe {$35.00} interest. Interest for what???? I can't get them to tell me. Maybe I do, but I don't know what for and I will not pay it until I am told what it is for -I believe they have made a mistake and won't correct it -I called and spoke with XXXX today , then XXXX, then asked to speak to the supervisor. They kept me on the line so long that my phone overheated. So I had to disconnect.

-Broken record : you owe {$35.00}, pay it by XX/XX/XXXX even tho I sent in my payment for XXXX and they didn't notify me of the {$35.00} til XXXX days ago! And there was no explanation so naturally I ask why. 
-They don't like it that I have my bank send the payment each month. They have not earned my trust. They can keep hounding me about my payment method, but it will not change until they explain themselves. I am an XXXX XXXX XXXX widow living on a fixed income. I watch my money. 
-This is a HUGE bank that really doesn't want you to speak to anyone. It is almost impossible to talk to a person and of all the phone calls I have made to them, I have only spoken to XXXX person that was civil, helpful and worked to resolve my problem or answer my question.

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 2023-12-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
My Wallet and phone were stolen on XX/XX/2023 ( police report number attached ). I have had issues since then with email security and unauthorized charges from my accounts, all of which were to the same merchant - all of which were cleared up and deemed unauthorized transactions by my other banks and card providers EXCEPT Chime, who obviously did not investigate at all because they responded the next day saying their investigation concluded that the activity was valid. XXXX did a REAL investigation on the same merchant " XXXX XXXX  '' and the transaction, and deemed after 10 days of investigation that it was indeed stolen and fraudulent where my information was used twice by the merchant " XXXXXXXX XXXX ''. I requested re-opening of both investigation numbers and both were AGAIN closed within 24 hours. See information about both claims below. The merchant all transactions were charged to was a XXXX XXXX XXXX XXXX, I live in Illinois. They were also not pin transactions, the bottom line is CHIME DOES NOT INVESTIGATE THEIR CLAIMS AT ALL IT IS IMPOSSIBLE TO MAKE A DETERMINATION IN 12 HOURS, this is egregious Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1000.00} Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. 

To date, XXXX  has NEVER validated the debt nor have they provided the requested information. 

The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. 

This company and the representatives of the company are predatory extortionists and I will pursue legal action within XXXX  day of receipt of this notice if the information requested is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: AZ

Complaint narrative:
Called 800 number unable to reach rep due to I have no account info. I never had business with this company

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 2023-12-28 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: GA

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief