vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by TransUnion, XXXX, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from TransUnion, XXXX, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that TransUnion, XXXX, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of TransUnion, XXXX, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to TransUnion, XXXX, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that TransUnion, XXXX, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : 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 explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, Equifax, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX XXXXXXXX, I have the right to request a copy of my credit report from XXXX, Equifax, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that XXXX, Equifax, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX Code XXXX and XXXX XXXX Code XXXX. 
Furthermore, I believe that the practices of XXXX, Equifax, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, Equifax, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, Equifax, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, XXXX, and Experian, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from XXXX, XXXX, and Experian, which I have reviewed for accuracy and completeness. 
I assert that XXXX, XXXX, and Experian are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of XXXX, XXXX, and Experian violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, XXXX, and Experian, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, XXXX, and Experian cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I mistakenly paid {$41.00} less then the total amount due on XX/XX/XXXX. Citi XXXX XXXX Card XXXX is charging me interest of {$33.00} and {$150.00} on statements from XX/XX/XXXX and XX/XX/XXXX. 
When I asked Citi representative to provide me document of how {$33.00} and {$150.00} interest was calculated, they did not provide anything. They just said it is 23.99 % interest calculated by their system. 

On XX/XX/XXXX, I received a statement with a new balance of {$2600.00} ( New purchases of {$2600.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid total of {$2600.00} to Citi XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received a statement with a new balance of {$2800.00} ( New purchases of {$2800.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid a total of {$2800.00} ( XXXX payments + {$43.00} credits ). I mistakenly paid {$41.00} less. I mistakenly paid {$2800.00} instead of {$2800.00}. 
On XX/XX/XXXX, I received a statement with a new balance of {$7800.00} ( New purchases of {$7700.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$33.00} interest. 
On XX/XX/XXXX, I realized I paid {$41.00} less and paid {$100.00} to cover those shortfall. I also called Citibank representative and asked for XXXX XXXX. They reversed {$33.00} and {$0.00}. 
On XX/XX/XXXX or before, I paid a total of {$7800.00} ( {$7700.00} payments + {$56.00} credits ). 
On XX/XX/XXXX, I received a statement with a new balance of XXXX ( New purchases of {$1500.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$150.00} interest. 
On XX/XX/XXXX, I called Citibank representative at XXXX and requested to provide interest calculation of {$150.00} and {$33.00}. I asked her how paying {$41.00} less results in interest charge of {$33.00} and {$150.00} interest. She refused to provide the interest calculation. She mentioned it is done by Citibank 's system. 
I tried contacting another Citibank representative XXXX in XXXX XXXX. He also did not provide me any interest calculation.

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 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Caramel Dealer Services, LLC
State: CO

Complaint narrative:
Recently I was made aware of an online private auto sales website XXXX. Its for private sellers to complete the transaction with private buyers securely with Carmel handling all the paperwork. I was selling my XXXX XXXXXXXX XXXX and had a buyer. We spent two days going through the process with Carmel dealer services. I completed all verifications have the emails to prove the verified it and I signed all the sales documents essentially giving this company my car and blindly trust them. It came time for the buyer to sign Papers and complete verification which would have been the last step. Or so we thought. After an hour of trying to get their identity verification program to work he was able to complete ID verification and last step sign the papers. Out of nowhere they canceled the transaction. No explanation. I was able to get an email response where they said they were unable to verify the transaction when I have proof they did. Ive had to call the police, the current lender and the DMV to make sure they didnt take ownership of my car because it was fraud. I signed all the agreements trusting them and they canceled at the last minute with a power of attorney and sales documents signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I received a {$10.00} google play gift card in XXXX. Card # XXXX The card PIN was damaged when scratching off due to poor workmanship. I contacted CFPB after google failed to replace the card. The balance was added to my google play account rather than just replacing the card as I'd preferred. Now about 18 months later, when I went to use it today the balance now has disappeared. In California, gift cards do not expire. Also this wasn't a promotional credit rather a purchased gift card. Due to all the headaches and failures on google play 's part, at this point I just want the {$10.00} refunded to me in the form of a check. Please mail the {$10.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit report act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1861 section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a critter may not treat a payment on a credit card account under an open consumer credit plan is late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is violating the FCRA pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 



( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



I have reviewed my credit report and have found several inaccuracies. Please delete the inaccurate accounts from my credit report. 



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 2024-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I spoke with PennyMac and they told me to submit the documents they provided and that they will review it. I checked today and they said that they are automatically rejecting it without review and will continue to let my house get foreclosed on. I am trying to work with them to do a short sale and they didn't even consider looking at the forms I filled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank - XXXX My Account # XXXX Amount Paid {$7100.00} XX/XX/2024 - Buyer of Trailer and I were advised by XXXX, XXXX, or XXXX in Synchrony Customer Service that by wiring the {$7100.00} payoff amount, I could call back to receive a receipt of payoff via fax within 3 days of the wire. Their calls are recorded for training purposes, and for proof that we were advised accordingly. 

XX/XX/2024 - When I called back to request the fax, first, the automated system said " Congratulations, your loan has been paid off '', then their phone system only gave me the option of disconnecting from the call. When I called back, and was able to bypass the phone system, I was advised by XXXX, Manager of Payments, that we had to wait 10 days, and then the proof of payment info could only be sent via US Mail, which could take another several days after that. This call was also recorded. XXXX wasn't sure why the other agents advised me that I could receive the receipt of payment via fax, but absolutely refused to work with me in any way. The last customer service agent that I spoke with ( on a recorded call ) was very surprised that this department within Synchrony Bank didn't at least have e-services available, so I could login to access a copy of my payment history, since it is now 2024. 

This misrepresentation by Synchrony Bank is costing myself and they buyer several days, and they buyer is waiting to take possession of the trailer, which can't be completed until I am paid the remainder of the cash from the sale, which can't be completed until payment receipt has been received in writing via fax to me. We are willing to accept an informal document so we can proceed with this sale.

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 2024-03-02 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.

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 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
I had a XXXX card about 18 years + ago. I remember paying them around {$700.00} to an agency that keep calling me about 14+ years ago. After that i never received any calls or mail. I had assumed it was settle. In XXXX I went to live in XXXX. On XXXX, XXXX I moved back to the States to a new address in XXXX XXXX a bit far away from my preview address from XXXX. A few months ago my current job contacted me. Stating that my wages will be garnished. They provided me with the information of the company that was doing it so. The company name is Steve Cohen, LLC a debt collector. I had call them and ask them they reason behind and why I was never informed or received any mail regarding this. They told me they had send some correspondence to the address they had on file. And that is should call the judge that authorized and talk to him. There was nothing they can do. 
I had call the court were my case had take place but i was told to go see the judge and see what can be done. I have not had a chance to go there as my job is Monday to Friedan. I will try to go there in the coming days. As of the moment they are taking {$400.00} as month of my check from a credit card that i had about 18 years ago. The credit card was for about {$750.00} at the time and this company is asking to pay them {$8000.00} claiming interest. 

Any advice on what I should do. 

I feel that i was never given a chance to explain my side.

Company response to consumer: Closed with explanation