vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There was a dispute that was resolved in XX/XX/ for a purchase made in XX/XX/ and {$6600.00} which was the amount for the dispute was credited to my account twice. {$3600.00} and {$3000.00} was then debited for the excess credit in XXXX XXXX I recently lost my card in XXXX XXXX  and requested a new one. An unexplained balance transfer of {$6600.00} was made to the new card. This was taken from the automated payment from my checking account for XXXX statement payment. 
I have talk to countless staffs wasting countless hours to resolve this issue but no one seems to understand whats is going on and no one can provide an answer. They are difficult to reach and you talk to different person every time and start the process all over again. 

Synchrony is so disorganized with very poor service.

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 2024-01-19 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: MD

Complaint narrative:
incorrect information on my report on my credit

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
incorrect information on my report on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I got denied my rights to obtain credit! The company based its decision from XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I disputed the address and they did not clear it as wrongfully allocated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the Equifax data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from Equifax ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that Equifax has admitted that I was one of the victims in the data breach and Equifax has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of 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 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the XXXX data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from XXXX ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that XXXX has admitted that I was one of the victims in the data breach and XXXX has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of 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 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute and Request for Removal of Unauthorized Hard Inquiry from Credit Report Dear CFPB, I am writing to formally dispute and request the removal of a hard inquiry that appears on my credit report. After reviewing my credit report, I noticed inquiries listed under my name that I did not authorize or initiate. These inquiries are impacting my credit score negatively until today. I was a victim of the XXXX data breach. I want these items deleted immediately from my credit reports. As you can see the from the notice/claim number from XXXX ( XXXX ), I was a victim and my information was sold and bought, and used without my consumer consent. I do not recognize these hard inquiry accounts and believe these were made without proper authorization. I am attaching the proof that XXXX has admitted that I was one of the victims in the data breach and XXXX has done nothing to fix this issue on my credit report. 
Details of the unauthorized inquiry are as follows : Name of 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 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 explanation
Consumer complaint received 2024-01-19 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: DriveTime
State: CA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report that I would like removed. 
I've also reached out this company to no avail. 

Inquiry Date - 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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( 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 errors A 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 ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix

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 2024-01-19 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: MO

Complaint narrative:
Another false statement from this corrupt company because they work on nothing but pushing worthless credit cards with 38 % interest

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 2024-01-19 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: LA

Complaint narrative:
I was a victim of the XXXX data breach. 
I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. 
Please help me delete these illegal accounts from my credit reports. 
Old addresses XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX Birthday not correct XX/XX/year> is my correct birthday. 
Employment incorrect XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Reported late

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 2024-01-19 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: Nelnet, Inc.
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Nelnet the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I lost my job and been having a hard time making my mortgage payment and got a new job and trying to get back on track with my mortgage company but they are pyramiding late fees on my mortgage which is highly illegal and charging me inspections fees on my home that no one every came out and did as I have camera all around my home at every angle and no one showed up on XX/XX/2023 at all for the XXXX dollar inspection fee. I need this removed and waived as I didn't ask for or need an inspection on my home which is illegal as I have to agree to pay that fee as well and they have to ask me. 

Furthermore, they are charging me XXXX late fees per month which is called late fee pyramiding which is highly illegal they are charging me a Default related fee in the amount if XXXX per month plus late fees in the amount of XXXX per month which is a violation of us law and called late fee pryamiding and is highly illegal. They have Lastly they been trying to increase my mortgage payment stating an escrow shortgage which is false because our taxes went down so someone at their company is laudering money and falsely increasing my mortgage payment for no reason at all as there was never a shortgage in my escrow account. I don't agree to pay a higher monthly payment at all and they have no right to increase my mortgage payment for no reason at all and violation of usa consumer code They also have a seprate inspection fee so they are charging me essentiall XXXX late fees as they are stated the default fee is for an inspection that they never came out to my home and did and I didn't call or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: MT

Complaint narrative:
I was threatned by a employe calling my work place. Telling they are debt collector from one main finaciail. They call my work alot. Then they took it to court and charged more court fees. I then got my pay check garnished and couldnt pay my rent. Then i now im getting with draws from my bank.. XXXX XXXX another deb collector working threw one main finaicial. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I feel this company has treated me bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Examine the attached documents closely. I request the bureau to initiate an inquiry into these accounts, as my payments are never late, yet they are inaccurately labeled as such.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
From XX/XX/21 i was charged extremely high interest rates, One main financial was misleading deceptive and violated my rights. there was so many hidden disclosures. I had to borrow money to pay extra fees in order to keep my car. I will never ever get another loan with this company nothing but problems feeling overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-19 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: IL

Complaint narrative:
XXXX XXXX dateXXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX date:10/01/21  amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.

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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was caught defrauding their own customers in multiple different ways. I received a letter in the mail stating I was one of their customers who had been scammed and they were offering to send me a check for reimbursement for the scam. I was told I would receive said check within 30 days. 30 days later after not receiving any check I called back to speak with their escalation department on why nothing has been mailed. I was then told 45 days was how long it would take..45 days later still no check and now am being told their is no timetable and no way for them to know when the check will actually be mailed. They have asked me for personal information over the phone including social, name, dob, as well as address at this time I am not sure that Im not being involved in a whole new scam as every person I have spoke with whether it be with the third party XXXX  XXXX or the Wells expediters I have been constantly given different answers to the same questions and Im stuck with no route to a resolution.

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