vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened the account on XX/XX/2021 for a credit limit of XXXX I was using the credit to obtain XXXX. The debt was immediately charged and I have been making timely payments. I had signed up for e-statements but did not start receiving them until XXXX regardless I have always just gone on the site and made the payment. Recently as I was noticing after over a year of paying my balance was not dropping much so I pulled up a statement. On that statement, I noticed XXXX being charged for Credit protection in case something happens and I can't make the payment. I NEVER sign up for add-ons like that as I don't see the need for them. I have asked repeatedly to see when and how I signed up for it. What did I sign? I did not authorize this charge and if it was because I didn't opt out of something that is not right. Services like that are to opt in! I have been charged almost XXXX. I have canceled the service but am looking for a refund of prior charges as again I DID NOT authorize this payment. When I call the company I have been hung up numerous times and last I spoke I am to hear back from someone. I'm confident I won't.

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: TX

Complaint narrative:
i have disputed this company ic systems before, it has showed up on my credit report before then i disputed that. then is reapperad as allied collection systems in which i reported to you all as well. so its like these two companies keep buying and reselling information thats inaccurate and without anyones consent. at one time they were both completely gone from report and now its reappeared.

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 2023-03-07 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: AZ

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

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States 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 2023-03-07 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: AZ

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

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( I demand you remove the inaccurate account listed on my credit report immediately! ) XXXX XXXX  XXXX XXXX XXXX want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 Section 602 States I Have right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.

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 2023-03-07 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX. It has come to my attention that Early Warning Systems has fraudulent information in their database attached to my social security number that is causing me financial harm. There are accounts from XXXX XXXX XXXXXXXX, XXXX XXXXk, XXXX XXXX, and XXXX that were fraudulently opened without my consent. These accounts are now showing on a database that Early Warning Systems maintains without ever having my written consent. This is a direct violation of the Gramm Leech Bliley Act which states a financial institution must have written consent from a consumer to use or report any personal non-public information. I have never entered into any agreements with Early Warning Systems nor was I given full disclosure or any opportunity to opt out of them using or sharing my personal non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 an 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 or 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 2023-03-07 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: IL

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

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 an 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 or 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 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I am complaining about a fraud scheme that PayPal Credit has refused to deal with. A friend had his accounts hacked and the hacker represented himself to me as my friend and requested a PayPal friends and family payment for {$120.00}. I sent this money XX/XX/23 and hours later contacted my friend who told me his account was hacked, and to not send any money as this was a scam. PayPal sent me a confirmation of the payment to the scammer stating that the payment would be processed by XX/XX/23. I immediately notified PayPal of the fraud and requested the payment be stopped. It took hours to process this report, and finally, several days later, PayPal informed me that the case was closed and I had no recourse. There was no explanation of the disposition of the funds or what if anything was done to the hacker/scammer and his/her account. I requested that the case be re-opened as this was a fraud and until it was resolved I would not pay. They did not engage in any attempt to explain procedures and policies for a case like this and made it impossible to speak with a human. Until resolution, I revoked authorization for my bank to pay the charge and PayPal has now assessed a late fee and may have filed a credit agency report. PayPal is making money from credit fees in transactions that they are aware are fraudulent, with no accountability or attempt to protect customers.

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 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am trying to buy a house and I have found out : In either XXXX or XXXX there was a lien put on my property. There was a release on the lien but was denied from the county because it was not from the original lien holder. Huntington Bank do not follow up on it and the lien was left as is. Even after multiple refinances, this lien still was not caught. 
Then in XXXX because of a divorce I tried refinancing to get the home in my name only but ex would not sign quit claim deed. In XXXX of XXXX ex put a judgement lien on the property that was still in both of our names. Then I received the quit claim deed and started the refinance all over again. XXXX from XXXX XXXX ( Huntington ) to save himself some time used the old paperwork and did not catch the judgement lien or the other lien at that time either and refinanced. Now these liens are showing up and need to be cleared which is going to make it touchy to get the financing since l live on SSI. I feel the banks should be responsible for this not me as the first refinance was in XXXX and should have covered that first and I refinanced again after the judgement lien was placed on there. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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:
I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

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.

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 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Well to be honest. This happened around XXXX at Amscot. I applied for a payday loan for {$400.00}. At that time I was in a financial dump and crisis and I couldnt pay them back. I couldnt at that time. And I explained that to them. Time pass and i totally forgot about them. I really did. Obviously I didnt t need a loan anymore. So now its XXXX. I been trying online to apply for a loan and I keep getting denied and I was trying figure why, and I called XXXX XXXX and they informed me who is keeping me from getting approved. So my issues is that it shouldve been removed by now correct. Its over six years and I feel personally it should be removed off. And let me start over fresh and with new start. Its not the fact that I dont want to pay them cause I cant. The fact is I want it removed off my record due it pass the time frame. The Florida law states 6 years and its removed off. I Just need second chance. Please help to resolve issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX Disputed inaccurate late payments with Equifax for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 60 days late ) *XXXX  acct XXXX $ XXXX ) XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 60 days late ), XXXX ( 60 days late ) & XXXX ( XXXX late ) *XXXX  acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ). I never received dispute results or how this information was attained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, XXXX, & Equifax I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.

Company response to consumer: Closed with explanation