vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a debt from XXXX XXXX XXXX. I have never had a loan with them. This is a fraudulent account on my credit report. I have filed a FTC report filing that this account is fraudulent. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violented my rights. 

15 U.S.C. 1681 section 602 A I have right to privacy. 

I never had a account with this company nor the original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was notified XX/XX/XXXX of a digital letter sent by Synchrony Bank that I can access on their website. The letter informed me of my credit limit being lowered, effective immediately. Then, XX/XX/XXXX, the day my account was closed, I was notified of another letter, also on Sychrony Bank 's website. The letter was informing me of the account closure, also effective immediately. Today, XX/XX/XXXX, I requested information reguarding the closure, as I was incapable of accessing the letters on their website. I just had learned that my account was closed, and that they closed my account not based on delinquencies on payments to them, but payments to other creditors. I was not given prior 45 days notice as required by the Credit Card Act of XXXX, and seek a resolution be met.

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 2024-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I was called in early XX/XX/2024 for a collection on a bill I never received, even though the company where the charges originated had my correct address but never sent me a bill.

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 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I have unauthorized inquiries on my credit report, I've called multiple times and submitted multiple disputes via certified mail. I'm tired of calling them so this is my final attempt before i decide to take them to litigation. 
please have them remove the inquiries listed in the FTC report here they are listed again : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
Today is XXXX This was my 4 attempt to open a bank account.Still cant open a bank account even though CHEXSYSTEMS SAYS THAT I AM CLEARXXXX XXXX XXXX Since XXXX  I have not been able to open a bank account anywhere, everytime i walk into a bank and try to open an account the teller tells me that they can not open one because there is a freeze on my chex system account. Each time i have called chex systems to ask why they are reporting this, they deny that they are reporting any ADVERSE ACTION '', 3rd party freeze on my account. According to the FCRA consumers can dispute incorrect or incomplete information and request an investigation but when i order my Chex Systems report there's is nothing on the report stating that the account is frozen or that there is a 3rd party freeze. The rule is that, " YOU MAY SUMBMIT A DISPUTE REGARDING INFO CONTAINED IN YOUR PERSONAL CHEXSYSTEMS CONSUMER DISCLOSURE REPORT. But if the information is hidden from the consumer and only shared with banks then I AM PREVENTE FROM DISPUTING IT. The negative reporting is something that Chex Systems is only sharing with the banks not the consumer. It purposely hidden so that the consumer is not able to see it or dispute it. Yet each time the consumer tries to open a bank account the false reporting is issued to the bank. I have called Chex Systems and spoke directly with the managers and they deny that there is a adverse statement on my account regarding a freeze so i have not been able to get this resolved and it has been going on for 13 years. I would like to have this investigated because of the length of time it has been going on.

There is false credit reporting and i am unable to open a bank account like a normal citizen.I am getting the same response from every bank that i go to. when i lived in CALIFORNIA i was denied BECAUSE OF THIS STATEMENT ( aDVERSE ACTION ACCOUNT FREEZE ) and now i live in Iowa and i have been trying to open a bank account here and i am still getting the same response. Here are the banks that have denied me this year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of being embarrassed and turned down! This has been to get resolved now! I want an outside investigation done. You can contact all these banks and they will all tell you that they are getting the same message when they run a chexsystems report on XXXX XXXX. If Chex Systems is reporting that there is a 3rd party freeze on my account then they should be able to reveal where they are getting this information from and who the 3rd party is. 
XXXXXXXX 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 2024-08-03 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: TX

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. 

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 2024-08-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am seeking your assistance with a dispute involving XXXX XXXX and American Express. Here are the details of my case : Reservation and Cancellation : I made a reservation with XXXX XXXX for an event scheduled for XX/XX/year>. I later rescheduled the event to XX/XX/year>. In XX/XX/year>, I decided to cancel the reservation, doing so 30 days before the event as permitted by our contract. 

Contract Terms : According to the contract I signed, the cancellation policy allows for cancellations up to 30 days before the event. It also specifies that cancellations can not be made via voicemail but must be communicated by other means. 

Attempted Cancellation : I attempted to contact XXXX XXXX  by phone to cancel the reservation but was unable to reach anyone. Given the lack of response, I sent an email to cancel the event, as no other contact method was available. 

Vendors Actions : Despite my attempts to follow the cancellation procedure, XXXX XXXX ignored my request and charged me for the event. I made further attempts to resolve the issue by contacting them via phone and email, but they did not respond. 

Dispute with American Express : Due to the unauthorized charge, I filed a dispute with American Express, providing a copy of the signed contract as evidence. However, XXXX XXXX responded to the dispute with a falsified version of the contract, showing different cancellation terms and stating that cancellations must be made in person or through direct staff contact. 

XXXX  XXXX : Despite providing American Express with the original signed contract and other supporting evidence against the vendors falsified documents, American Express ruled in favor of XXXX XXXX. 

Given the discrepancies in the contract and the vendors refusal to respond, I am seeking your assistance in resolving this matter. I believe that both XXXX XXXX  actions and American Expresss handling of the dispute are unfair and unjust. Your intervention would be greatly appreciated to help address this issue and ensure a fair resolution. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
I purchased a XXXXXXXX XXXX XXXX on XXXX at XXXX miles from XXXXXXXX XXXX XXXX XXXX the sale price was {$12000.00}. I paid {$1500.00} down. I financed with United auto credit. This is what the contract states. Annual percentage rate {$21000.00}. Financed charge {>= $1,000,000}. Total of pay {$1500.00} down payment / {$24000.00}. ITEMIZATION OF AMOUNT FINANCED. CASH price of vehicle $ XXXX {$13000.00}. Cash price {$1500.00}. Unpaid balance of cash price {$11000.00}. XXXX {$1700.00}. Term 24 months XXXX XXXXXXXX XXXX XXXX {$200.00}. XXXX {$390.00}. Total other charges paid {$2300.00}. Amount financed {$14000.00} 66 payments of {$360.00} made a total payment of {$7000.00} plus {$1500.00} down bringing total payment of {$8500.00}. The car was having problems days after percentage steering wheel shaking up to XXXX on highway and loud noise coming from the breaks, I have spent over {$700.00} trying to fix this problem because I was told I already signed the contract and to contact XXXX  up on contacting XXXX  I was told that by my statement of the problem they are not are sure if it's the XXXX and if that's not the issue I would have to pay out of pocket for diagnostic. Start XX/XX/XXXX the car would not start I had to get a jump to work. every time I turn the car off it would not XXXX. Once I got home I had a friend take me to test the battery to see if that was the issue. I found out that the battery was a good battery. I went out one morning to go to work and to see my windows broking and steering wheel jacked out the robbers wasn't successful because the car have to get a jump before cracking. I had a bad insurance company. Besides all of this I have been making complaints to united auto credit they did not car because all they could say is you signed a contract when would you make a payment. Wow I loss my job because I had no ride to work I have been telling the finance company to come and get the car since XX/XX/XXXX. They say that I owe {$10000.00} and if I won't it off my credit like this never happened I can pay {$7000.00} if I don't want that deal then I could pay {$5000.00} in installments but my credit would continue to say {$10000.00} until the {$5000.00} has been paid and they can bot issue me that agreement until the {$5000.00} is paid. Wow the interest was {$7.00} on the car. I need help please and thank you I was told that the car was sold at $ XXXX {$7000.00} after the repo. 
I have not or a job since XX/XX/XXXX my kids and I are struggling I have no family or friends to help me. No one would finance me a vehicle without asking for {$6000.00} down payment. I just want my life back I'm so XXXX  because of this situation I'm totally in a XXXX  whole my credit is doomed for every. I later found out that the dealer roll back the miles on the car so the car I purchased could have been a lemon to have the problem it was having so fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I Made contact with XXXX pertaining to credit report showing 15 inquires. Consumer stated they was not showing 15 inquires on my credit file. I was sent an up to date credit file which shows only 2 inquires. As of today XX/XX/XXXX, the same problem. My credit report shows 15 inquires. Made contact again with XXXX which the representative stated it does show 15 inquires. I asked the representative how is that possible? I should not have inquired from XXXX on my credit file they were deleted last year from fraudulent activity.

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 2024-08-03 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: EQUIFAX, INC.
State: TX

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. 

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 non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony back charged a total interest of {$1300.00} over the past two months.After tirelessly following up, they refunded {$980.00} and {$190.00} on two separate instances..But still a {$190.00} of interest is remaining for the full amount to be refunded, which I called customer care and got a response system not allowing. I'm logging this additional complaint to urge them to get that amount also refunded without fail..When i paid off the amount, that resulted in overpaying the outstanding balance..Included the statement showing the payment of {$3300.00} last month for a payoff. 

Please note that through out the last year i was making regulat payments via autopay and suddently this high interests got changed in the month of may.As soon as i noticed this, paid off the full principal amount, with the interests remained in my account. Need assistance in getting this to correct this error and have them settle this reminder balance also.

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 2024-08-03 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: PA

Complaint narrative:
I reviewed my consumer report and still noticed that I had collection/ charge off on an account that I never made has in collection for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been in collection for account ( XXXX ) ( XXXX ) Please investigate and provide proof with stamens showing that these accounts was in collection or never been paid. If proof can't be provided I demand these payments or collection be updated to on time as they should be as NEVER late or collection or remove this account from my credit report. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Complaint I am writing to formally dispute the following inaccuracies on my Citi credit card account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submitted a dispute to Citi Cards regarding [ Charge off account # XXXX ]. Citi Cards was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). However, to date, Citi Cards has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, Citi Cards XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, Citi has violated this provision of the FCRA. 
Due to Citis noncompliance with the FCRA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action. Citis actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e, 15 USC 1681s-2 ( 7 ) I am attaching copies of all relevant documentation, including the dispute letter sent to Citi and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against Citi Cards XXXX Thank you for your attention to this matter. 
Sincerely, [ 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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been a Capital One customer for many years. This month they did not send me a statement in the mail as they have always done. When I called them the first time over a week ago they said they had mailed one, but, when I called again about a week later they admitted that they had changed my account to Paperless Billing. I did not request this and do not want it, and it is my understanding that it is illegal for a company to do this without notifying the customer and allowing the customer to choose paper billing instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
This company charges predatory interest rates and make it impossible to pay off the small loan regardless of paying every month. I'm elderly and live off a fixed income, companies like this take advantage of those in need like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with explanation