vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. Convergent Account Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I applied to synchrony bank for the following : LOWES Commercial card ( using XXXX ) XXXX Amazon Business Card ( using XXXX ) PayPal Buy now Pay later XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXX and XXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX  report that the business name is correct. Synchrony was wrong. 

Synchrony, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called synchrony bank to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the Lowes and Amazon cards for this. The PayPal but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a synchrony bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX nexis was used. I asked her why the Denial letter cited XXXX XXXX XXXX. My XXXXbinformation is correct so XXXX XXXX needs to be updated. Synchrony bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business Amazon and commercial Lowes card

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC
State: AL

Complaint narrative:
I submitted a previous complaint about this, and did not get the response I was seeking, if this account is considered a charge- off since XXXX, it is about to be XXXX and I never received a 1099-C for it. also, I will like the original copy of this debt from XXXX XXXX, i do NOT HAVE A CONTRACT WITH CNAC, they do NOT HAVE THE RIGHT TO COLLECT A CHARGEDOFF DEBT OR REPORT IT. Under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sam club is inaccurately furnishing information to XXXX and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX  of this title for failure to comply with a provision 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My Fidelity Rewards card 's statement generally arrives two weeks after the due date. As a consequence I was late paying for the billing period ending XX/XX/23. Having just returned from a month in XXXX, I only found out about it because they turned off my card without notification ( or statement ). I called to inquire and complain. They waived the late fee and blamed the USPS, but offer no suggestion or guidance regarding a remedy. 
I was late again for XXXX 's billing period. I place the same call, same complaint regarding the untimely statements, was once again told the blame lay with the USPS. they waived the fee. 
Today, same thing, same result, but they would not waive the fee ( {$41.00} ). At least this time the representative was helpful enough to walk me through their website to set up alerts to try and prevent a four-peat. 
I'm XXXX XXXX XXXX. Prior to geiing this card and another, my credit score was about 830 ( another sore subject ). I pay about a dozen bills every month, on time! I've never had this problem before. 
Is it legal for a company to charge a late fee when they consistently do no remit a timely statement?

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: DC

Complaint narrative:
I applied to XXXX XXXX  for the following : XXXX XXXX XXXX ( using XXXX ) XXXX XXXX XXXX XXXX ( using XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXXXXXX XXXX XXXXXXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX  report that the business name is correct. XXXX was wrong. XXXX, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called XXXX  bank  to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the XXXX and XXXX cards for this. The XXXX but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a XXXX  bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX XXXX was used. I asked her why the Denial letter cited XXXXXXXX XXXX XXXX. My XXXXinformation is correct so XXXX XXXX needs to be updated. XXXX  bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business XXXX and commercial XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc.
State: MS

Complaint narrative:
Nemo 's Coll XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Charging me XXXX dollars for medical payments. 

I had a therapist for a while. But he was charging me an absurd amount of money for therapy. Nearly XXXX dollars an hour. He was also not proactive in therapy and even drove during our sessions. 

I paid for all of my sessions, then they tried to send another collection of {$110.00} for diagnostics or attempt to prescribe drugs. I was not aware of this nor was I aware that they would charge {$100.00} dollars plus a late free for a " attempt '' to prescribe.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2023 I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MO

Complaint narrative:
I bought a US bank XXXX gift card FYI Card # XXXX ccv XXXX Barcode # XXXX I made a flight book with XXXX, and there is an issue with the credit back so XXXX customer service suggested me to contact card issuer for refund ( this doesn't matter ). 

So I contacted USBank prepaid gift card customer service. Talking about open a dispute on payment. But I didn't proceed the dispute since the customer service told me, that will takes 180 days for investigation. So I quit, told that customer service stop it. 
( USBank Prepaid GC dpt. gets every phone call on recording, you can check the voice recording for, if I authorize the dispute ). 

Then I talked with XXXX customer service and finally, after XXXX hour talk, I get my refund perfectly back to my card. XX/XX/2023. 
And XXXX day later, I checked with USB GC auto-phone call, the balance {$500.00} was back. 
Landing safe for now. ( And my card wasn't replaced for now, since if the card is replaced, customer can not reach to auto-phone call, can not self-check balance with auto-phone call ) Then my nightmare came. 
Around 3 days later, approaching XXXX, I tried double check the card balance, since I know the USB GC is not someone good to use, so that I can avoid embarrassing of declined payment while trying to sweep the card in store. 

!!! I dial the auto-phone call number again, I was astonished transferred to human customer service, that's mean, something not right happened on my card, MY CARD WAS REPLACED. 

My card was replaced, without my authorization ; The replacing reason is, an un-authorized dispute. 
Init a dispute, without customer 's permission, is not right. 
Replace customer 's card, is also not right. 

But it's okay I'm trying not to be hash. 
I'm not happy with missed the oppotinute using the card on XXXX Friday, but fine. 

I talked with the USB GC customer service, they said the replaced card would with me on XXXX. 

But now, XX/XX/XXXX, still don't get. 

And a customer service told me it's still on time frame ( XXXX bs days ) ( while the previous customer service told me it is around XXXX bs days )

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 2023-12-03 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:
I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with TransUnion XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

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 2023-12-03 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: TX

Complaint narrative:
I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and Equifax. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: TX

Complaint narrative:
I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX Experian and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.

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