vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my Barclays Carnival Credit Card. I submitted a dispute for this charge via the Barclays website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, Barclays continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, Barclays fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and Barclays admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. Barclays fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  Texas and XXXX XXXX XXXX  have violated my rights, they are reporting late payment to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. I have reached out to XXXX XXXX XXXX  Texas and XXXX XXXX XXXX  they have yet to reverse the late payment or report it OK I also sent letters to XXXX, XXXX XXXX and Equifax notifying them of the violation but they are still reporting the payments late as well 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/XXXX, I made a purchase at Ashley Furniture XXXX XXXX, financing {$1800.00} ; 1-year same as cash, minimum monthly due of {$65.00} by the XXXX of the month, first payment due XXXX XX/XX/XXXX. ( Financing provided through Synchrony Bank ). The following paid dates are the dates payments were credited to my account : XX/XX/XXXX Stmt paid XXXX ( 10 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 8 days early ) ; XX/XX/XXXX Stmt paid XX/XX/XXXX ( 7 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 14 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 19 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 38 days early ) ; XX/XX/XXXX Stmt paid XXXX ( 26 days early ) ; XX/XX/XXXX was paid XXXX ( 25 days early ) ; and XXXX Stmt, final payment, was paid XXXX ( 31 days early ). ALL of my monthly payments were paid EARLY, the amount financed was paid off in 8 months ( 4 months early ), yet Synchrony has charged me monthly {$30.00} financing fees since XX/XX/XXXX. Phone call & posting this info to my online account has been to no avail. Synchrony Bank refuses to address the invalid financing fees, which make up the so called balance due ; and they keep charging these invalid fees. Apparently, Synchrony Bank has an unscrupulous agenda, and they aren't budging.

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 2023-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I repaid Navient {$93000.00} in a lump sum to pay off my private loans. To make this payment, I used money I received from a medical malpractice settlement that has permanently changed my way of life. Given the settlement with Navient in XXXX, I feel I am entitled to receive all of that money back as restitution for predatory lending practices. Those 4 loans had variable interest rates from 6.75-16 % and accounted for the majority of my student loan debt which is why I repaid them first. The Navient AG settlement gave full relief to anyone that had subprime private loans taken out before XXXX. My loans were taken out from XXXX. Not only did I attend a for-profit school that misguided me to take out these subprime private loans, but my college closed four years later, and my degree is essentially useless. In hindsight, had I known about the Navient settlement, I would not have repaid these loans in XXXX. I did what I thought was right at the time and am now suffering for it financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  and XXXX XXXX generated late fees and interest charges on my previously good standing XXXX credit card citing the their inability to acces my financial institution. 
There were many XXXX  members experiencing the situation as related by XXXX customer service. 
XXXXXXXX XXXX and XXXX XXXX eventually transferred credit card accounts to XXXX XXXXXXXX XXXX slong with the erroneous late fees and interest charges. 
I gave XXXX XXXX {$100.00} to settle the issue even though the problems were from the financial institutions negligent practices. 
My problem now is : Transunion has not corrected their report and have driven my credit score down by nearly 100 points. This effects my credit history when trying to obtain a car loan at a reasonable rate.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A loan under my name was takin out in XXXX XXXX XXXX I have filed a complaint against LVNV Funding LLC. before, and I have not gotten any help. I just sent them another message today, and asked to speak with a manger or higher up. I also wrote them a message in the past asking to talk to a manger or higher up. That never happened. My credit score continues to decrease because of this fraudulent loan, and LVNV Funding LLC does not help resolve the matter. I do not want my score to decrease again. I have also contacted other law enforcement agencies regarding this, and hope they can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX. The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable. 
Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i paid these account on time yet it was reported for late payment account : 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i paid these account on time yet it was reported for late payment account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I cashed in a cashier 's check and it was said to be available 24 hours on XX/XX/XXXX. I had an emergency and was provided an advance of {$1000.00}. The next day the funds were not available and my account was sent into the negative. I was under the assumption that my funds would be available and that my account would be positive so I set up bill pay and used the {$1000.00} that was provided. The extended hold caused me to incur overdraft fees and insufficient funds from the bill pays I set. The bank approved the removal of 2 overdraft fees but refused to honor the removal of any additional fees caused by the extended hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates
State: FL

Complaint narrative:
On XX/XX/2023 I reviewed my credit report and saw a COLLECTION was placed on my credit report. I immediately sent a Certified Mail & Return Receipt on XX/XX/2023 requesting full validation not request for verification of the account nor of my address showing I owe them. XXXX XXXX I received a letter back from Stafford Group & Associates located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX stating to give them 60 days from that date to validate the debt, they also mentioned that they had initiated the process to get proof from the original creditor. I demanded in my letter that they delete false information off my credit report because they can not prove what they are stating on my Credit report and it is Violation of defamation of character. They were given more than enough time to provide such claim. They should not make false claims if they don't have proof beforehand.They received and signed for my Certified mail on 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, TransUnion is still showing this report. ive mailed certified dispute letters to XXXX XXXX XXXX XXXX, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to TransUnion and disputed this already.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I called the credit reporting agencies and let them know the inquires and charge off accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. 
18 U.S. Code 1028A - Aggravated identity theft

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 2023-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received multiple invitations, both through email and physical mail from Citi bank to open an accelerated savings account to earn XXXX $ bonuses after meeting certain requirements. 

Right after I opened the savings account in XXXX, I called the bank to ensure and got confirmed I am eligible for the promotion/bonuses advertised. 

When I didnt receive the bonus in XXXX after meeting the requirements, I called Citi bank XXXX After looking into it, they say I should receive the bonus on XX/XX/XXXX. 

However after I checked and called again in XXXX, Citi said I dont have a promotion attached to my account. However, I applied the account through the link sent to my email. I also called several times to ensure I am eligible for the promotion. I put large amounts of deposits idling in the account just to ensure I am meeting the requirements to receive bonuses. I have done all the right thing I can possibly do, and Citi bank refuse to honor the offer. 

The invitation code I received in my email is as listed. 
Invitation Code : 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 monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I did not open this account nor did I reap the benefits of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

Company response to consumer: Closed with non-monetary relief