vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit agencies are reporting inaccurate information on my personal credit history and 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX  account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated. 

In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX  account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed. 

When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently? 

The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX  credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.

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 2023-11-30 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: 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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-30 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: Lewis, McDonnell & Associates
State: GA

Complaint narrative:
I do not have any business nor contract with Lewis McDonnell what so ever. They illegally verified a fraudulent account in order to reinsert it into my credit report after this account has already been deemed unauthorized. This account has an address that is not associated to me in any way and the legally binding ORIGINAL CONTRACT has a misspelled name. I am in no way responsible for this account. This collection agency is disregarding the Fair Credit reporting act completely. Theres no legal way to report an account on someones credit if the name doesnt match nor the address. I have never even lived in the state of Maryland. This company didnt even contact me prior to reporting this false information. If they did I would of easily presented the police report and FTC report filed years ago. I want this erroneous account removed immediately as it is fraudulent and illegally being reported. I have attached the original contract from the creditor and my FTC and police report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX  I received an email from Regions bank offering a {$200.00} bonus for new accounts opened by XX/XX/. The terms for earning the bonus were to deposit at least {$2000.00} within 15 days of opening the account and maintain that balance for 60 days. 

On XX/XX/2023 I opened a savings account with regions bank. On XX/XX/XXXX  I made a deposit of {$2000.00} into the account. I maintained that balance until XX/XX/. According to the terms of email I received, the bonus should have been paid out into the account no later than XX/XX/. 

On XX/XX/XXXX  I called the customer service number for Regions bank. They stated they could not find my account information and said I would have to visit a branch in person. 

On XX/XX/XXXX  I again called the customer service number for Regions bank. This time they were able to locate my account information. They stated the deposit I made into the account did not count toward earning the bonus since it was made from a Regions checking account. The email I received on XX/XX/XXXX  did not mention that internal transfers wouldn't count towards earning the {$200.00} bonus. I pointed this out to the customer service rep. They did not budge. A copy of this email is attached.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I made 3 payments to State Farm Insurance Co charged to my US Bank credit card which I will refer to as account # 1. There is another US Bank credit card account I will refer to as account # 2. The amounts charged to account # 1 were {$510.00}, {$480.00}, and {$570.00}. Please note this account # 1 has a 0 % interest promotion till XX/XX/XXXXXXXX  and that is why I wanted to use it. The amounts of {$510.00} and {$480.00} billed to account # 2 properly. But the amount of {$570.00} was applied to account # 2 in error. Please note I was on the same screen for all 3 insurance policies at one time in the same payment session. I received an email for each payment from US Bank. One of the emails stated that the {$570.00} was charged to account # 2. I called US Bank on XX/XX/XXXXXXXX  @ XXXX and explained what had happened 3 times to the same person. She just could not understand what I was telling her. Which was a very simple thing to understand. She then told me that she did see the charges on both accounts but could change anything till it billed complete, that they were still processing. She told me should would handle crediting the account # 2 and billing it to account # 1 as soon as it finished processing. But she never did. I have had several situations with US Bank in which they refused to follow there own published documentation, they were very disrespectfully, they never do what they said they would do, it was always someone else 's fault or responsibility, and I was always wrong but they ended doing what I requested and suggested only after I registered a complaint with you. Today when I called and started to explain what happened the lady starting interrupting me after I spoke every few words or so, and would say she would not be able to help, or that I would have to go to State Farm, or its too late to do anything now, before she even heard the complete series of events. I never got to tell her which accounts or any dollar amounts. When I asked her to please stop interrupting me and please let me finish my sentences I heard a click and a beep on the line like when a recording is stopped or started. After that she really got ugly, so I just told her never mind I will just make a complaint with you, and she told me " I don't care what you do '' and said good by and abruptly hung up. So all I am requesting is that account # 2 be credited and the {$570.00} be transferred to account # 1 and any interest charged on account # 2 be credited to that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: GA

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
It is impossible for me to change my physical address in my profile. I have not lived in XXXX for 5 years and during that time I have tried to change my physical address several times a year, hoping that the Capital One IT system has changed but it has not. My ex girlfriend lives at the address in XXXX that is currently posted in my Capital One account. I'm not 100 % sure that this is the reason I get credit card offers for her at my Arizona address but it seems logical. I got married since moving from XXXX and my new wife does not like getting credit card offers for my ex-girlfriend here in Arizona. 
I have called a total of three times in attempts to resolve this. I even sent a letter addressed to the IT manager at Capital One but I have no idea if it was delivered to the desired individual. I don't know what else to do which is way I fill out a complaint now. 

The main problem lies in the Capital One IT system that apparently uses the US Postal Service database for " valid addresses ''. I live in a very sparsely populated rural area and the US Postal Service does not deliver mail here. XXXX and XXXX does come here and we have a " XXXX sign '' at the gate of our 120 acre property, so it is a very real address. Just because the postal service does not deliver here, does not make our address " invalid '', which is a joke. 

Capital One needs to get IT people that actually know what they are doing and change the system so that a user can have a choice when they fill out their physical address. Instead of a prompt that basically tells they user that they don't know what their own address is, give them a choice that says, " are you sure this address is correct? '' Why there is such a stringent method used by Capital One for customers ' physical addresses is a total mystery and beyond stupid. 

My Capital One accounts are Cabela 's and Wal Mart ending is XXXX and XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TN

Complaint narrative:
This is the second complaint I have filed. This is to go along with the other complaint. It has been since XX/XX/XXXX that I filed this and I still ha e not heard anything. This is {$1900.00}. My life has been upside down since XXXX! I do not have a car to drive and now I can not put an engine in my vehicle because Credit Karma Money has not done anything to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 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: FL

Complaint narrative:
XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and TransUnion .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXX to XXXX XXXX on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: FL

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: TX

Complaint narrative:
Our subdivision changed trash collection companies so we closed out our account with XXXX XXXX and paid the balance in full. When I called XXXX  XXXX to ask why I received the collections notice they said that it was an error that went out to the whole subdivision on their part and we would receive a letter stating that.

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 2023-11-30 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:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-11-30 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: FL

Complaint narrative:
These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation