vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a complaint through CFPB and I attached a letter clearly stating what I needed from transunion..I clearly asked for an investigation into a few accounts on my report. Like they have been doing for months is ignoring one of my complaints..I sent this letter in on XX/XX/XXXX they just responded but didnt mention all of my accounts which means they didn't even attempt to investigate.I also asked for the results of investigation be sent to address on letter..I haven't received anything from them but I come on website and it's say complaint close..how is that when they didn't even respond to wat I asked and it's been over 30 days.I don't know if you guys at CFPB is actually lookin at these complaints but it's clearly they keep avoiding to investigate that account properly..this is like my 5th complaint against them and they keep doing the same thing and you guys just keep closing the complaint.Im goin to attached the exact same letter I sent and then u can tell me if they investigated how they should've bc obviously I'm not getting anywhere. 

Contract Callers XXXX I need proper report for the The account contract callers XXXX Could you please send it to me? Also, please let me know who had ACCESS TO MY FILE AS Well.. I want the investigation outcome to be sent to my address I put on the the investigation request letter. They ignored this the first time in letter..I can't make it anymore clearer than this..so when u respond cud you please have done proper investigation and forward me the information I asked for. Enough is enough with the fake verification process u guys use.

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not receive last month 's statement via XXXX. I received an email stating on Monday ( XX/XX/2022 ) that I had missed a payment. I always pay the full amount by the due date every month. I have been erroneously charged a late fee of {$29.00} and interest charges of {$25.00}. My son called this morning to speak to a customer service rep ( CSR ) XXXX about this irregularity and potential fraud to customers by Synchrony Bank mastercard account. I monitored the call via the speaker phone and the call was recorded by Synchrony. The CSR stated that someone over the past 30 days had changed the account to receive an electronic copy of the credit card monthly statement. This is a complete lie. She stated she would correct the account to again receive a hardcopy statement. Yesterday ( XX/XX/2022 ), I received my hardcopy via XXXX from Synchrony showing the late fee and interest charge. Meanwhile, my son paid the current statement bill, including late fee of {$29.00} and interest charge of {$25.00}, per the instructions from the CSR to avoid any further late fees and interest charges via a debit from checking account via the Synchrony online website while still on the phone with the CSR. We confirmed with the CSR that the payment was received on the phone and via an online confirmation number. However, my son informed the CSR that this action by Synchrony appeared to be FRAUD AGAINST CUSTOMERS. I am notifying the CFPB to take action against Synchrony for potential fraudulent activity against credit card customers.

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 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Letter sent XX/XX/2022 refuse to sign and sent back to me confirming my identity and name My name is not XXXX XXXX XXXX - that name is used on fraudulent accounts per the police report Letter sent again on XX/XX/2022 Attached Identity Theft Report Attached Police Report License attached with new driver license # separating me from the fraud that was committed by defendant XXXX XXXX. Full court records is public information. XXXX XXXX was found guilty of Fraud/ Impersonation - XXXX I have reviewed my credit report again XX/XX/XXXX and the 2 National Credit Systems account continue to reflect on my credit reports and I have not received PROPER validation from creditor to validate National Credit Systems with XXXX  at XXXX XXXX XXXX and National Credit Systems with XXXX  on XXXX XXXXXXXX XXXX  to validate these 2 accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account has been disputed and therefore a 2nd validation letter was sent out this day. After reviewing credit report again on XX/XX/XXXX XXXX there have been no updates and account is still reflecting on my credit report. 

These fraudulent accounts were removed by the assigned detective XXXX, ( XXXX ) of XXXX XXXX Police Department on my case and now they are back reporting on my credit report after I submitted Identity Theft Affavidit years ago. 

Spoke with XXXX XXXX Collection Representative XXXX ID THEFT To whom it may concern, I wrote you requesting validation of this alleged debt. I asked for very specific information in my initial request and again in my re-sponse to the information you sent on ( XX/XX/2022 ). I requested information that proves that not only a debt is owed and a breakdown of the debt, but that I am the party re-sponsible for paying it. As of today, you have failed to supply the demanded proof of the al-leged debt. Your response to my request was not a debt validation so I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a final act of good faith to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. If you cant provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

Failure to do so will result in me filing a complaint with the Federal Trade Commission for violating my rights as a consumer. The inaccurate reporting of this account is costing me thousands of dollars a year in interest. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I received a text message that there was an attempt for a transaction. Message was as follows : " USAA Fraud DepXXXX : Did you attempt a transaction with XXXX on XX/XX/2022 for {$530.00} yes, reply 1, No, reply 2. Reply STOP to opt out. HELP:XXXX  ( XXXX ) XXXX '' I replied 2 and immediately received a call that was from my banks 800 number. The lady asked for me and I replied that I was the person she named. Then asked if I authorized a payment, I said no. She then proceeded to assist with stopping the payment, she told me that my card was not deactivated and said my new card would be sent to my address ( which she knew ). I asked what card and she replied with the last 4 of my card number. She then asked for my phone code and I gave her a number that I don't think is my phone code. She also asked for my USAA number which I stupidly gave her because I was in a panic. After realizing what I had done, I called my bank and reported, they flagged my account and assisted with my security preferences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit inquiry on my credit report that I didnt apply to and I tried calling but they dont want to take it off I never applied to them before synb/chervon dc on XX/XX/2022 I never applied there any inquiry I have I have a card with them I never applied to this and I want it removed from my credit report

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
by law I don't owe this company I did sign or make a deal with them. 
and if this letter don't work and they need to take this off my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Over the course of several months I've been trying to dispute the practices being used by CitiBank on an account that was closed years ago. I have submitted several disputes through this forum, Citi in response has begun to manipulate my credit by adding charges and negative remarks on my credit which is resulting in a significant drop in all burea scores, even though the status of the account, the amount borrowed, etc has not changed in 3 years. Citi continues to lie and state that its sending correspondence by mail to my home, which they are not. I did receive an email from the company a week ago, and I responded showing them the credit score drop was attributed solely to their negative reporting on my account. When are you going to hold them accountable for this credit hit against a consumer? They were offered a payment plan before the account was closed which they refused. Since the account was charged off, there has been no activity on the original charge account, and yet the reporting from the company on that account continues to change year after year affecting and manipulating my credit scores. It needs to stop.

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 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: NC

Complaint narrative:
I applied for a loan of {$820.00} in XXXX of 2022 which I received knowing there would be interest and such however, I was unaware in the end I would be charged roughly {$3000.00} in repayment with a payment of {$210.00} each paycheck. As of now Ive already payed {$1300.00} back which is well above my loan already and at a substantial interest percentage and Im roughly half way done paying it. This is a ridiculous amount to charge someone and I feel as something needs to be done about it and that I bring to attention what this company does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX, I put a credit freeze on all 3 of the major credit reporting bureaus. Jump ahead to XXXX, I want to unfreeze Experian for 3 weeks. I am unable to access a customer service agent as the pre-phone requirements do not recognize and reject all my numbers. 

I need to talk to a customer service agent and can't.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been affected by XXXX XXXX XXXX and was on Forbearance. I have agreed to sign a partial claim with XXXXXXXX XXXX and I am supposed to resume making monthly payments from XX/XX/2022 onwards, however, XXXXXXXX XXXX reported that I am past due by 30 days to Experian/ XXXX XXXX XXXX It is a violation of the CARES ACT as mandated by both the Federal and State governments of the United States. This wrong information has tanked my Credit Score by XXXXpoints. 

I have filed a dispute with Experian, however, they have marked my Dispute as " Completed '' even after submitting all supporting documents. They have not taken requisite action nor they have validated the documents that were submitted.

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 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I have nicely been telling them I am struggling financially my daughter is ill and I am not working full time. They continue to call my work after I repeatedly told them I am going to get in trouble. They will text my phone harassing me and telling me they are going to send the collector to my work to pick up the payment. I offered to give them XXXX dollars that's what I had and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX has now reported to TransUnion and XXXX fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from TransUnion and XXXX showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those 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 non-monetary relief