vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
Ive noticed improper use of my credit report and Ive notified these credit bureaus but my word is not valid to them.

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 2024-06-25 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 non-monetary relief
Consumer complaint received 2024-06-25 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: AR

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Called XX/XX/XXXX spoke with XXXX at XXXX XXXX advising this account was paid off. She informed me she would put in a dispute. Got letter stating account was correct. XXXX XXXX sent me replacement statements from XXXX dated XX/XX/XXXX with no further statements. 
XX/XX/XXXX Called Pay Pal spoke with XXXX in an attempt to get prior statements XX/XX/XXXX through XX/XX/XXXX. Was told they are unable to get past statements on accounts that are closed and sent to collections. Called XXXX XXXX  with another request for dispute XX/XX/XXXX phoned XXXX XXXX spoke with XXXX XXXX to dispute again, letter from XXXX XXXX arrived XX/XX/XXXX again stating the balance is valid. 
Meanwhile I was served with a civil complaint from XXXX XXXX with a summons for Pre-Trial hearing XX/XX/XXXX. 
XX/XX/XXXX Spoke with XXXX at Synchrony Bank, she advised me they are unable to provide prior statements on accounts that are closed and referred to collections. 
I retrieved my bank statements from XX/XX/XXXX through XX/XX/XXXX showing payments to PayPal Synchrony Bank credit card. I e-mailed a copy of these statements showing the payments to XXXX XXXX and I Certified Mailed a copy of statements showing payments to PayPal Synchrony Bank credit card with a return receipt. 
I further retrieved a copy of my statements from XX/XX/XXXX through XXXX XXXX. XX/XX/XXXX shows a pmt I made to Synchrony Bank for {$230.00} and XX/XX/XXXX a payment of {$2300.00}. This shows I may have paid them twice.

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 2024-06-25 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: FL

Complaint narrative:
Hi hope all is well I recently checked my credit report and I notice that there were some unauthorized accounts and inquires on my credit report that I didnt authorize under the FCRA its against the law to report and inaccurate information on a consumer credit report please remove all the accounts that i didnt authorized on my credit report immediately thanks Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE UNAUTHORIZED ACCOUNTS IMMEDIATELY THANKS! 



15 U.S. Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give XXXX, Equifax, or XXXX to publish any data furnished by 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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I need my dispute claim # XXXX or # XXXX and # XXXX and # XXXX and # XXXX and to be # XXXX and # XXXX to be reopen or disputed or reinvestigated or make into a new dispute for or change dispute reason or investigative it again for {$110.00} and {$970.00} or give me a credit for {$110.00} and {$970.00} and {$30.00} and {$110.00} and {$970.00} and its is a fraudulent dispute but the last agents told me they couldnt reopen it because my account is closed please help me and please upload these documents to my both case # XXXX and # XXXX # XXXX # XXXX and # XXXX and # XXXX and # XXXX. I never authorized the payments it is a fraudulent unauthorized payment and # XXXX is for received service but they made a mistake on the birth certificate spell the name wrong please add it to case CFPB XXXX please contact me at XXXX and phone number is XXXX please reopen all the disputes you see on my account ending in XXXX and card number is XXXX XXXX XXXX XXXX that is debitcard and XXXX XXXX XXXX XXXX is credit builder card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/year>2024, I went into my online account for XXXX XXXX through Commenity Bank. On XX/XX/XXXX, I paid the full balance on my account which was {$44.00} and was due by XX/XX/scrub> 2024. On XX/XX/XXXX, when the billing cycle was closed, I was charged {$2.00} minimum interest fee. I did not receive a new statement after this, and I didnt look at my account online because I was expecting a {$0.00} balance on account. On XX/XX/XXXX I was charged {$2.00} late fee, on XX/XX/XXXX I was charged a {$2.00} minimum interest. Again I had not received a new statement and did not look online at my account, expecting it to have a {$0.00} balance. When I called the company, they stated they could not talk to me about account because it was past due and transferred me to another group at Commenity Bank, which would not answer the phone or I was on hold for an hour. XX/XX/XXXX, I was changed a late fee of {$6.00}, XX/XX/XXXX I was charged another {$2.00} minimum interest, on XX/XX/XXXX I was charged a {$14.00} late fee and on XX/XX/XXXX I was charged another {$2.00} minimum interest. I sent a letter in XXXX explaining my concerns, still had not received a new statement, but I had checked online and tried resolving the issue by phone. On XX/XX/XXXX I was charged a {$30.00} late fee, on XX/XX/XXXX I was charged another {$2.00} Minimum interest fee. On XX/XX/XXXX they did a refund of the {$30.00} late fee and a refund of {$0.00} for interest. I called again, this time I did speak to someone at Commenity Bank and explained my concerns. They explained that the full balance had to be paid for 2 consecutive months for minimum interest to not be charged. I stated I was willing to pay the original {$2.00}, charged after I paid the entire balance, but they refused to refund any more late fees or interest on account. I would be willing to pay the charges due, but not the entire balance of {$31.00} due on account. They refused again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/year> late fee was issues on my credit report from Truist. I have spoken with them numerous of times. They say they are no longer reported that account as late and it would fall off my credit. It is still showing on my credit after fraud manager XXXX XXXX 3 times stated it would be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Pioneer Credit RecoveryXXXX XXXX XXXX sent me a letter in the mail stating that I owed a debt to them based of an alleged previous debt owed to the department of defense that I have no knowledge of. They are reporting this debt to the consumer reporting agencies causing my credit score to drop significantly which is stopping me from getting a new place of residence and causing significant stress and hardship for me. They have not proven any rights to collect, provided any validation, or responded to any of my request for original information according to rule 1002.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
my name is XXXX XXXX and there are several accounts open without my consent XXXX  XXXX XXXX XXXX, and serval attempt accounts made without my permission XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ALL OF THESE ARE FRAUD

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
the following complaint is in regard to the previous complaints that have been ignored, disregarded and even marked as duplicate, even tho the complaint was in fact not duplicate.The following account ending XXXX is to be marked as in dispute and has yet be resolved. paypalcredit/synchrony bank closed my account without permission, lowered my credit limit andused my non public private information without consent XXXX XXXX the consumer in fact reached out to paypalcredit/synchrony bank multiple times and once again have been ignored they only respond when i put complaints in via CFPB. I sent an affidavit of facts, debt verification request along with exhibits of paypal credit /synchrony banks deceptive acts and practices and violations of my consumer rights and applicable consumer protection laws specifically but not limited to the FCRA and all its mandated requirements it was delivered on XXXX tracking number # XXXX the file was too big to include the affidavit in pdf form CC : XXXX XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX CC : XXXX ( senoir specialist corporate consumer relations synchrony bank attn # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Ceo paypal ), CC : XXXX XXXX ( XXXX Paypal ) CC : XXXX XXXX ( Ceo of synchrony bank ) CC : XXXX XXXX XXXX ( CFO synchrony bank )

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 2024-06-25 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: IL

Complaint narrative:
Noticed a collections account listed on my credit report that is under XXXX XXXX XXXX. They would not tell me who the original creditor is. They asked me to pay a dollar to get a free credit report. This makes no sense, Ive never had a legitimate business do this. They asked for my personal info but still would not give me info on who the original creditor was to this account and insisted I pay the {$1.00} fee to get access to my credit report to have this item removed and asked for my credit card information. They were unable to provide me with account information to verify this account belonged to me and I do not recognize this account. It seems to be fraud or a scam.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Bank accounts were opened in person at Truist with a driver 's license, XXXX documentation, articles of incorporation and an XXXX We have multiple other business accounts with Truist. 

Truist sent a letter informing us of " fraudulent '' activity and were investigation. Despite multiple attempts to rectify the situation, Truist unilaterally closed the accounts, held the funds for multiple weeks and closed the accounts. Funds have not been received as of this complaint. 

Truist is unilaterally using their sole discretion to close any account for any reason as a lame attempt to provide proper disclosure statements to customers thereby economically damaging small businesses.

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I recently checked my credit and XXXX XXXX is reporting for rise credit for {$5000.00}. I never received a letter from them prior them placing this on my credit report. But this is typical of collection agencies to do. So they won't have to delete it from my credit report. I am having financial difficulties right now after I had a XXXX XXXX. My house payment has also went up to. {$1200.00} which has taken most of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX at the closing of the sell of our house, the loan disclosure documents changed during the time of our closing. The lender sent documents stating there was an escrow shortage. We had not received any information or documents concerning our escrow. Also our mortgage payment never changed to compensate for the supposed shortage. The closing attorney had me step out and call lender who stated there was no shortage and the escrow balance was {$920.00} which we would be issued a refund for. However lender sent attorney documents stating we owed approximately {$2500.00} in taxes and our escrow was short. So instead of the original documented amount owed to us at closing of {$11000.00} we only received {$10000.00}. So we were shorted {$1000.00} at closing plus the {$920.00} we were to receive from our escrow account. Unfortunately, due to this error from Freedom Mortgage we had suffered a loss of almost {$2000.00} that we were not prepared for and it has put us in financial difficulty. They were extremely slow in closing this loan as it took six months and requested the same documentation more than a dozen times, which was ridiculous

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 2024-06-25 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: MD

Complaint narrative:
Unverified and unauthorized inquiries appear on my XXXX credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX. XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested XXXX to delete. has not been completed.

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