vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I received an email on XX/XX/ from Synchrony Bank that stated the following : " Adjust Autopay to avoid paying off planned transactions prematurely [ My first name ], our records show you recently made a promotional financing purchase, and are currently enrolled in Statement Balance Autopay. 

To take advantage of the promotional financing period and pay over time, we recommend updating your Autopay setting from Statement Balance to Minimum Payment Due. 

If you do not change your settings, your next Autopay amount will be your new total balance including the total remaining balance on your recent promotional purchase. 

It's easy to change your Autopay settings '' And then it proceeded to describe how to change the Autopay settings. Apparently all purchases are " promotional financing purchases, '' since I have never actively engaged in any of the Synchrony promotions. Customer service, when asked which of my purchases qualified, simply listed my three most recent purchases. 

This is a shockingly blatant predatory marketing email : encouraging ( all? ) customers to stop paying off their debts in order to lure them into growing accustomed to not doing so, giving them a false sense of security. Then, inevitably, the promotion will expire, and Synchrony will ramp up the interest payments, pouncing on the unsuspecting customers who are not on their toes or are slow to adjust. 

Amazon is preying on the same psychological vulnerability that theXX/XX/XXXX companies did : habit formation. The goal is to get customers XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them but good for profits ( XXXX/debt ). This is disturbing and, if not illegal, obviously should be.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they XXXX be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: SC

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did not receive three items from XXXX but the bank refuses to credit me with the three purchases I paid for the items totalling XXXX approximately made by ordering on XXXX. 
XXXX is not willing to reimburse me with the products I did not receive, three packages of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am in receipt of Portfolio Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$400.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Portfolio Recovery Solutions & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter on XX/XX/2023 demanding verification and validation. This was a demand for proof of contract to substantiate Portfolio Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored ( although given 30 + days per the FCRPA ) and Portfolio Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Portfolio Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2023, I opened a credit card as a promotional offer for new purchases at 0 % interest in conjunction with purchasing a timeshare interest through XXXX XXXX. The American Express card being offer was co-branded with XXXX. After the intial " purchase '' balance was set ( $ XXXX on XX/XX/2023 ), there was a subsequent {$250.00} charge on XX/XX/2023 for the annual membership fee. There was billing for a minimum payment being due each month - charged in the amount of {$840.00}. It wasn't clear based on the promotional materials that any minimum monthly charge would be required, but I paid it to avoid any negative consequences. It was also surprising on the first bill that there was a {$5.00} interest charge despite the promotion indicating there was no interest to be charged. Since the amount seemed small and I was very busy at the time, I paid the interest. 

For the second statement in XXXX, the interest charge was {$5.00}. I then called American Express to inquire why there was interest when their promotional materials ( and the contract ) indicated zero interest for this. The representative told me they were charging interest for the annual membership fee. I asked how we could avoid this going forward and they indicated that by advancing a payment of {$250.00} this would clear all future interest charges. I questioned whether interest could be charged on fee, but since the amount was minimal, again, I paid the total of {$250.00} plus the {$570.00} monthly payment. 

For the third statement in XX/XX/2023 another interest charge appeared, this one being {$5.00}. I called and launched a dispute. The customer service representative couldn't help me, only informed me that I should follow up with them and mentioned that their systems were not able to separately track payment down of specific balances so there was a possibility that these interest charges would continue to appear for the life of the account until I pay it off. In XXXX I paid the {$810.00} payment and noticed a new interest charge for {$6.00}. They reversed this charge. But they also increased my total outstanding principal balance. 

I question the accounting on this entire credit account, am fearful they are charging illegal interest on fees and that this entire promotional offer program wasn't rolled out with the proper underlying technology to manage the accounting. 

It might only be {$23.00} in interest for 2023 charged on my account, but if there was a review of this program across their entire customer base, I wouldn't be surprised if these amounts were much larger in the aggregate. AMEX seemed unwilling to really address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-06-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was charged a {$30.00} late fee twice in the past year. Payments were sent by check 10 days before the due date. Twice my payment was processed a day late only when I did not have an existing balance with them. 

Once in XX/XX/XXXX and again XXXX of XXXX. 

In XXXX my {$30.00} was waived. The XXXX late fee was not since I had already received this type of credit to my account in the past 24 months. 

I feel this credit card company does not have the staff or is intentionally applying late fees to their customers. 

I feel they are defrauding me and issuing a late fee due to their staffing or business practices. 

This has not occurred on any of my other payments to XXXX and XXXX... .EVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information listed such as addresses, phone number, accounts, and social security number.

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 2023-06-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
some fraud transactions were made on my debit card, i called to dispute it the bank is denying my claim saying I didn't provide enough information, but the only information I have is that a purchase was made with my debit card/ the date and the amount. I don't have other information because I didn't make this purchase on or around. 
XXXX purchase for {$130.00} XXXX purchase for {$130.00} XXXX purchase for {$1200.00} XXXX purchase for {$110.00} totaling : {$1600.00}

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 2023-06-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX  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.

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 2023-06-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX 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.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete 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