vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
SECOND ATTEMPTTo whom it may concern I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX Account number XXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have XXXX confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly.

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 2024-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I moved out of XXXX on XXXX XXXXXXXX XXXX  on XX/XX/year>XXXX  because the lease was up and the property manager didnt give me a lease renewal until 3 days before the lease was up. By that time I thought they were not renewing the lease and found another place to live. I moved everything out of the apartment there was nothing left. I hired a professional cleaning company XXXX XXXX XXXX to do a move out clean in the apartment. It was spotless. The property manager knew they had to replace the carpet because there was a flood in the apartment from the maintenance man who came to fix the washer machine and didnt plug it back in correctly. That was not my fault and there should not be charged. I also used a surety bond to secure deposit and pay for any damages if any when I signed the lease. When I spoke to the property manager XXXX XXXX she said I left the apartment trashed, which is a lie. She said they would send pictures which they didnt. The property XXXX XXXX waited almost 2 yrs to put this debt {$6700.00} on my credit report. They never tried to contact me, when I turned my keys into the leasing office they said I was good to go. The collection agency Sentry Credit Inc. is reporting false charges on my report. I will take legal action and sue them and XXXX on XXXX XXXX XXXX  for this false debt. I have photos and video as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Texan Credit Corporation
State: TX

Complaint narrative:
Texan Credit Corporation Branch store in XXXX XXXX, Texas office has received 3 US POSTAL SERVICE Certified letters with USPS TRACKING LABELS from me since XX/XX/XXXX requesting a Balance n payment history statement and a lower monthly payment option for my account. I have since XXXX paid off 4 other Texan Credit loans on time. Their All Only Female Gender staff with ex option of Management engages in verbal non caller ID multiple daily phone calls with Hang up to my phone XXXX XXXX XXXX. When I call back their Female gender staff verbally speaks very loud to me on phone and uses threatening nouns, adjectives and verbs in intimidation when I ask to discuss my account. They blatantly due and say they receive no USPS TRACKING LABELED MAIL FROM ME SINCE XX/XX/XXXX, yet they mail me via USPS IN XX/XX/XXXX threatening me for payment. Predatory lending and False alligatory, collection efforts. They supposedly had large US PPP LOANS they got in XXXX by the way as a US Essential 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 2024-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used the Synchrony pay later option during checkout with the lowesXXXX order for a washer and dryer. Upon completion of the order, there was an issue on Lowes end with the delivery method for the dryer, so they had to change the order to ensure that both the washer and dryer will be delivered together. When I made those changes I had to reapply with the Synchrony pay later feature and pay an additional deposit, I hadnt already paid a deposit for both the washer and dryer on the first order. Now the two accounts are separated one account for the washer and one account for the dryer. I paid an original deposit for the set of washer and dryer and during the delivery mixup I had to pay another deposit for the dryer again and they couldnt fix that. So I paid {$190.00} for the deposit on the set and then an additional deposit of {$99.00} for the dryer order due to the error. The orders should not be over {$86.00} per month over a 12 month period for the purchases. However, the washer account has a monthly payment of {$160.00} as if im paying for the set, and the dryer account has a payment due of {$86.00}. Synchrony told me I had to pay the {$160.00} even though I didnt borrow the amount reflected on rhe washer account, even though I would no longer be paying a monthly payment over 12 months at the rate of {$160.00} per month. They told me to still pay that amount to avoid adversities on my credit, as of now they still have not fixed the loan account documentation to reflect the actual amount borrowed to correct the payments over a 12 month timeline and instead they have charged me late fees, additional interest, and they have yet to rectify the account to reflect what I actually borrowed, even after me calling and speaking with a manager. They said it was an issue that their back office has to correct and its been a month and theyve yet to do so.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I have no record of any transactions or agreements with RADIUS GLOBAL SOLUTIONS LLC and did not authorize the opening of this account. XXXX. Investigation : Upon discovering this account, I conducted a thorough investigation and found no evidence supporting the legitimacy of this debt. I assert that this account is a result of identity theft, which has caused significant harm to my creditworthiness and financial reputation.

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 2024-12-08 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: NV

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately. As, I AM, a victim of fraud, identity theft, mail fraud, and abuse ; as, fraud accounts are transpiring upon my personal credit reports ; and need be removed immediately per Federal Law.

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 2024-12-08 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: NV

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate and invalidated information, 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose, 15 U.S. Code1681 a ( 2 ) consumer report does not include reporting information solely as to transaction or experience, 15 U.S. Code 1602p the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the card holder who does not have the actual, implied, or or apparent authority for such and from which the cardholder receives no benefit. Remove all of these inaccuracies immediately. As, I AM, a victim of fraud, identity theft, mail fraud, and abuse ; as, fraud accounts are transpiring upon my personal credit reports ; and need be removed immediately per Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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:
Someone from Transunion added 42 inquiry on my credit report with out my knowledge which is illegal

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 2024-12-08 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: NY

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.

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 explanation
Consumer complaint received 2024-12-08 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:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely 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 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I used PayPal to purchase an item on XXXX ( unknown to me at time of purchase to be non US based ). The order receipt specified an amount of {$58.00} IN US DOLLARS with no other charges indicated. PayPal subsequently charged me {$73.00}. I appealed this charge as being {$14.00} too much on which they denied. I appealed again on XXXX supplying them with the order receipt and they again denied my appeal. I believe the correct amount I am charged should be as reflected on the order confirmation as no other charges are specified and the amount is in US .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$5600.00} Account Name : XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$7100.00}

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 2024-12-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXXXXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : 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 explanation