vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
My information was exposed to data breach 15 USC 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

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 2024-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a XXXX interest free financing with Synchrony Bank for XXXX XXXX XXXX XXXX  purchase. The interest free ends on XXXX. They just recently started charging me a " minimum interest charge purchases '' of XXXX dollars. I noticed on XXXX that they charged this fee on XXXX and XXXX. When I asked via chat the reason, the agent for Synchrony bank stated that they charge XXXX for paper statements and since that causes the balance to increase, they charged XXXX as a minimum interest since there was a balance increase that was not part of the original purchase. SO basically, they charge a fee, because their fee causes the balance to increase!!!!! I understand its only XXXX, but still... I didnt make a purchase. Is this even legal?

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 2024-12-29 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: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  balance {$27000.00}, XXXX XXXX XXXX {$66.00}, XXXX XXXX XXXX balance {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: DISCOVER BANK
State: NY

Complaint narrative:
As you are aware, the FCRA requires that all information reported to the credit bureaus be accurate, complete, and verifiable. Specifically, Section 605 ( a ) of the FCRA mandates that negative information such as charge-offs can not be reported for more than 7 years from the date of the original delinquency. Additionally, under Section 607 ( b ), you are required to ensure that the information you provide to credit reporting agencies is accurate and up-to-date. 
I am particularly concerned about the fact that the charge-off on my account is being reported on a monthly basis, which is misleading and unfairly impacts my credit score. The FCRA prohibits the reporting of the same charge-off month after month when the event itself ( the charge-off ) has already occurred. This behavior can lead to a misrepresentation of my creditworthiness and is not in compliance with the legal guidelines set forth under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from XXXX XXXX XXXX ( Original creditor XXXX XXXX ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention ongoing issues regarding my XXXX XXXX account ( Account Number : XXXX ) that I have disputed multiple times with Experian. Despite my repeated attempts to rectify the situation, each time the account comes back as verified and updated ; however, the information being reported does not align with the payment records I have obtained directly from XXXX XXXX. 

Specifically, I have documented evidence showing that I made payments on XX/XX/XXXX and XX/XX/XXXX. According to Experian I was marked as 60 days late for both of these payments. Furthermore, in XX/XX/XXXX, XXXX XXXX is reporting that I am 90 days late ; however, the payment record for this period is missing. This inconsistency raises serious concerns about the accuracy of the information being reported to the credit bureaus. 

Additionally, I want to inform you that I disputed the same account with XXXX, and due to the inaccuracies in the payment history, they have deleted the account from my credit report. This further highlights the discrepancies between what Experian is reporting and the actual payment history. 

I believe it is crucial for consumers to have accurate and transparent information on their credit reports. I respectfully request your assistance in investigating this matter to ensure compliance with the Fair Credit Reporting Act and to help rectify this situation. I also filed FTC report against Experian. 

Thank you for your attention to this matter. I look forward to your response and support in resolving this issue. 
I have attached the letter of Experian saying the account never updates was verified. I also attached the payment records from XXXX XXXX and credit report as my proof. I also attached the my ID and social security card as proof of Identity

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 2024-12-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was charged for a vehicle that never came because it was a scam XXXX XXXX. The vehicle was to arrive XX/XX/XXXX XXXXXXXX XXXX  The vehicle was never delivered, so I reported the incident to all my credit card companies. The particular company I'm reporting has lied about crediting my account for the full amount, which {$2500.00} USD. When I called to confront the representative about my balance not correctly adding to the right amount, then the man started screaming and talking quickly spewing numbers at me telling me what I bought and paid towards amount, fast telling me as if that was going to appease me about the balance. I asked him to not raise his voice with/at me then he toned down which he did. I wanted to go over my account transactions one by one, so I asked him to please give me a minute, then the phone call dropped. I never received a phone call back from him reference to the phone interruption. It dawned on me that wasn't an accident he meant to disrespect me and himself.

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 2024-12-29 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:
On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted XXXX XXXX to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted XXXX XXXX XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all 3 companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. XXXX XXXX is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any 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 2024-12-29 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: GA

Complaint narrative:
On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted XXXX XXXX to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted XXXX XXXXXXXX XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all 3 companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. XXXX XXXX is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted XXXX XXXX to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted XXXX XXXXXXXX XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all 3 companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. XXXX XXXX is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I filed and FTC for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report to be removed immediately.

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 2024-12-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-29 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: DE

Complaint narrative:
I reviewed my consumer reports and there are inaccuracies in the reports. There are accounts marked as 30 Days Late and I have never been late with any payments. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The accounts in discrepancy is as follows : XXXX XXXX Services Account # XXXX Inaccurately Reporting as 30 days late for XX/XX/year> & Inaccurately Reporting as 30 Days Late for XX/XX/year> Rocket Mortgage Account # XXXX Inaccurately Reporting as 30 Days Late for XX/XX/year> I have attached a copy of my passport, notarized affidavit of identity, screenshots of the credit reports showing the accounts and the negative 30 day late reports. 

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was using the military discount but my credit never improved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Complaint : After I FULLY PAID the purchase amount of {$16.00} on XX/XX/year>, Barclays Delaware Bank HAS CREATED A DEBT of {$70.00} THAT IT WANTS TO COLLECT FROM ME!!! 

History : 1 ) XX/XX/year> {$16.00} Purchase using JetBlue Mastercard # ending in XXXX, issued by Barclays Delaware Bank XX/XX/year> Payment due 2 ) XX/XX/year> {$16.00} Late Fee charged by Barclays 100 % of BALANCE 3 ) XX/XX/year> Payment Reminder Notice 4 ) XX/XX/year> {$16.00} Payment 100 % of PURCHASE AMOUNT PAYMENT 2 DAYS AFTER DUE DATE 5 ) XX/XX/year> {$0.00} Minimum Charge by Barclays RESULTING IN ACCOUNT BALANCE of {$17.00} AFTER PURCHASE AMOUNT PAID IN FULL 6 ) XX/XX/year> {$17.00} PURCHASES CREATED BY Barclays XXXX ) XX/XX/year> {$17.00} Late Payment Fee IMPOSED BY Barclays 8 ) XX/XX/year> {$0.00} Minimum Charge by Barclays 9 ) XX/XX/year> {$17.00} PURCHASES CREATED BY Barclays 10 ) XX/XX/year> {$34.00} Late Payment Fee IMPOSED BY Barclays 11 ) XX/XX/year> {$0.00} INTEREST CHARGE-PURCHASES CREATED BY Barclays 12 ) XX/XX/year> {$35.00} PURCHASES CREATED BY Barclays 13 ) XX/XX/year> {$70.00} BALANCE PAST DUE 2 months AFTER PURCHASE AMOUNT WAS PAID AMOUNT IN FULL On XX/XX/year>, I spoke to XXXX XXXX at Barclays Delaware Bank on a recorded debt collector call. 
In an effort to resolve this matter, I offered to pay Barclays XXXX DOLLARS that is : 12.1 % of the purchase amount which was fully paid 2 days after the due date {$1.00} for each overdue day or ANNUAL INTEREST RATE of 2,208 %. 
She did not accept the offer. 

Since the purchase amount of {$16.00} was FULLY PAID on XX/XX/year>, Barclays Delaware Bank HAS CREATED A DEBT of {$70.00} THAT IT WANTS TO COLLECT FROM 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 monetary relief