vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is in regards to a XXXX XXXX store promotion 1 year interest free with a due date by Synchrony Bank. 
The promotions was expired on XXXX of XXXX. Unfortunate in XXXX XXXX we ware hit by hurricane XXXX devastated ou city XXXX XXXX Fl and other city near by. we ware with no power and water for weeks could not work and had damages. i called and asked for a extension on the promotion they agreed and i paid on time as agreed. down bellow you ill see promotion details and payments. 

XXXX {$3400.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$740.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$480.00} XX/XX/XXXX Deferred Interest/No Interest If Paid In Full By XX/XX/XXXX XXXX Full Payment of ( {$4400.00} ) The Total for all 3 Promotions was made on XX/XX/XXXX. 

a third promotion : Promotional Expiration XX/XX/XXXX Promotional Balance {$720.00} Deferred Interest Charge {$470.00} ( if not paid in full by XX/XX/XXXX Tran Date Description Initial Purchase Amount XXXX XX/XX/XXXX {$720.00} {$470.00} XX/XX/XXXX Deferred Interest/No Interest If Paid by XX/XX/XXXX according to all statement as far as i'm concern i complied to my commitments and my balance on this account should {$0.00} Every month since then i have being getting text messages emails and mailing trying to collect the interest. and every month i call and after 40 to 50 minutes of evaluation they come with the conclusion that my balance should be {$0.00} and will show on the next month statement. that never happened until today. Im hoping your org can help me as i fell i cant do anything else by my self. I have a very good credit score and its not fair if this affect my scores. I feel stressed and harassed every for 8 months.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian report is erroneous as well very slow to report updates. This agency has not updated my file since XXXX! XX/XX/XXXX, at XXXX XXXX XXXX I attempted to contact Experian by phone which an automated phone system attendant told me " you can't speak with a represantive as of now, call back at a later time ''. This is after six attempts, think its ridiculous Experian credit reporting agency willfully neglecting to answer consumer calls for information by hiding behind an automated phone system. 

I've disputed files that seem to find a home instead of being remove or considered for removal. It makes me wonder if its because I'm XXXX XXXX and this another attempt of systemic racisim. For example, XXXX XXXX, is over ten years old. I disputed it but its still on my report ; negative and pulls against my score. XXXX explained that XXXX XXXX XXXX XXXX this credit card. How can it report good standing XX/XX/XXXX in acquisition but its reported 30 days late by XXXX for the same credit card. I've requested to remove the this file all together but it stayed and reported as negative against my score. XXXX XXXX was a debt but paid in full but Experian reports it as a negative ; pulls against my score. If I was XXXX would this be adverse credit history on my credit file? 

To date XX/XX/XXXX, XXXX XXXX report XXXX and XXXX XXXX ; however, Experian is reporting XXXX, almost two months behind reporting! What makes this even more taxing the rent bureau is under Experian. This where your information is pulled for rental history. XXXX XXXX was an issue last winter, which was corrected and I rented a gorgeous apartment. Now, my lease is up and I'm interested in the American dream, buying a home. Slowly, repairing what I can to get my score up. Very surprise to learn I was just denied a simple one bedroom apartment due to their mismanagement of my credit history reporting data. I am sick and tired of this mess! It needs to be addressed and fixed! 

I want to move to another location but due to sparse reporting practices they are impeding upon my 1st admendment right in the pursuit of happiness, and violating my civil rights which prohibits redlining. This agency needs to be monitored by the US government authority to make sure they aren't harming consumers.

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 2023-09-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, reported : XX/XX/2023, 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 an 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 non-monetary relief
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$390.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
I have been repeatedly contacted by XXXX XXXX XXXX, Credit Control LLC, XXXX XXXX XXXX, and XXXX XXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.

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 2023-09-06 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: IL

Complaint narrative:
My account is with XXXX XXXX XXXX. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode. 
The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report. 
Asked to change the reporting as I was not delinquent. XXXX XXXX XXXX  systems are messed up- Please do not give them the right to ruin the credit report in a whim. 
I am not delinquent and have a good history. Assist me please. 
XXXX XXXX On XX/XX/2023, Auto BillPayer drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, Auto BillPayer will automatically re-process the withdrawal. On XX/XX/2023, Auto BillPayer did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, Auto BillPayer drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment. 
On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.

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 2023-09-06 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: CT

Complaint narrative:
Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-06 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: CT

Complaint narrative:
Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-09-07 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-06 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
XXXX XXXX, I had three charges from XXXX on my TD Bank credit card, all on XXXX XXXX. {$140.00}, {$100.00}, & {$140.00}. I went to the bank and told them the problem and they took the charges off my credit card. Then, I thought the problem was solved, but every month, from XXXX XXXX thru XX/XX/XXXX, there have been unauthorized charges on my credit card. {$140.00}, {$140.00}, {$150.00}, {$150.00}, {$57.00}, {$210.00}, {$210.00}, & {$210.00}. I have filed multiple disputes, but TD keeps sending me letters, that say, no fraud has taken place. I have even did what they asked me to do, go to the XXXX  site and put in my email address and then select, forgot my password. I did and what came back was, there is no account associated with this email. What else do they want me to do? I even asked TD Bank to send the info that XXXX  and they refused. I am not computer savvy, and do not know how to upload info. I did email someone at XXXX and they told me to send them, full name of cardholder, last four digits of the credit card, expiration date, amount charged, transaction date, and billing address. I did not feel safe sending the card number and expiration date. I asked if I could fax the info and was told no. TD has all the info and I would give permission for them to send it to XXXX, to get this mess settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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:
I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-09-07 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: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: AZ

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-09-06 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: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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 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 non-monetary relief