vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I signed up for a CareCredit card through synchrony bank. At the time of signing up, I was very clearly told that as long as I paid off the purchase at the end of the 18 month promotional period, I would not be charged any interest on this card. I was then told, that all I needed to do was setup autopay, in which case it would pay the card off by the end of the promo period. I did this, and have been having automatic payments deducted for 18 months. However, I was told completely wrong by someone at the company who clearly had no idea what they were talking about. At the end of the 18 month period, I was charged {$1800.00} of interest on my original {$4200.00} purchase ( which was used for healthcare ). I contacted the company, telling them this was no right, and they told me that I am wrong about how their card works. But I was told by someone who works there how this card works, and was following their instructions! {$1800.00} is a crippling amount of money when it comes to my current financial situation, and I believe it to be completely unfair business practice. I believe I was falsely advertised to, and then was forced to pay money that I should not have owed. I really hope you can help me. And I appreciate your time very much!!

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 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal withdrew XXXX $ in my account without my consent for charge off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These listed accounts have violated my rights.

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

15 U.S.C 1681 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 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 7 years.

15 U.S.C 1681 s-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 2023-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These listed accounts have violated my rights. 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.S.C 1681 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 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 7 years. 15 U.S.C 1681 s-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 inaccu
rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
In XXXX of this year, I purchased a XXXX XXXXXXXX XXXX from XXXXXXXX Nissan. I applied with the XXXX manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call Nissan Acceptance about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX Nissan, which was sent over by them to Nissan Acceptance had another social security number. 
Yesterday I spoke to a total of 3 agents from Nissan Acceptance. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from XXXX XXXX XXXXXXXX. I printed the form, filled it out, and then went straight to the dealership XXXX Nissan. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! Nissan Acceptance someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lac Courte Oreilles Financial Services II
State: FL

Complaint narrative:
This company does not loan to XXXX people, people on social security and va XXXX don't qualify, this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My Equifax report continues to be incorrect. My mortgage was sold from XXXX XXXX XXXX XXXX XXXX I have attached the documentation to PROVE THIS LOAN WAS SOLD. The XXXX account should show a XXXX balance and closed. I have disputed this account for over a year now. All the other credit bureaus are correct. XXXX continues to state the account is correct because they are getting the correct account confused. Please review the loan transfer notice. I am getting declined for loans due to my DTI being incorrect. I AM BEGGING YOU TO CORRECT THIS I AM LOSING JOBS OVER THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NJ

Complaint narrative:
My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on XXXX that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU HAVE A BLESSED AND HEALTHY FUTURE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on Experian that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXXXXXXXXXX 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. reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU HAVE A BLESSED AND HEALTHY FUTURE

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 2023-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2023-06-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NC

Complaint narrative:
This my 2nd attempt at resolving this issue, A inquiry at XXXX XXXX XXXX via CREDCO was made on XX/XX/2022 that was not authorized by me. Please remove 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 explanation
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MI

Complaint narrative:
I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies. 

These are clear violations of my federal protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im having a major issue ever since XX/XX/2020 i have had issues due to credit breach i have ove 50 inquiry on my credit and it has ruined my life i have sent all credit bureaus the same letter i will be attaching Equifax has really made me feel anger they have now requested that i sed in my ID not once but multiple times im unable to obtain any credit or even get my car im a nurse and i turned in lease now im car less and this is my last report please help i have even attached photo of calls hopeless no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Approved for HAF program ( Homeowners assistance fund ) months ago under The CARES-ACT signed into law by XXXX XXXX on XXXX XXXX. US Bank Mortgage delays posting payments by weeks now over a month from receiving funds from the Government, incurring late fees and reporting late payments to credit bureaus while having the money in their possession. US Bank Mortgage received government funds for XX/XX/2023 Mortgage payment of {$1900.00} on XX/XX/2023. To date payment has not been applied, charged a {$40.00} late fee, and reported late Mortgage payment to all 3 credit bureaus. After assuring me it would not be reported it has now effected my credit score and excellent payment history. Receiving non-stop collection calls for XX/XX/2023 payment they already have since XX/XX/2023. XXXX payment still not applied either. Company assures me account has notice on it that we are HAF recipients and should not be getting collection calls and late fees shall be reversed when they get around to posting it. Been told their company is not set up to process all the HAF funds in timely manner. Their claims are their system not set up to handle these issues on posting payments when received. Online account does not show moneies received until they finally post well after grace period. This prompts calling them every month to confirm monies already received. This is effecting millions of Americans credit due to their inefficiency to provide service. The Governent website states " The Homeowner Assistance Fund ( HAF ) is designed to mitigate financial hardships associated with the XXXX pandemic by preventing homeowners mortgage delinquencies, defaults, foreclosures, and displacements ''. This is not the case. They receive the money and inability to promptly apply payments has caused delinquency. Resulting in credit reporting at no fault of account holder.

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 2023-06-13 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am trying to cancel my subscription to Equifax. I paid the annual rate in XXXX. In XXXX, XXXX XXXX XXXX XXXX said they were doing the credit checks now and Equifax would not be necessary to use. So I contacted Equifax three times, sent two letters as requested to the company with no response. The last letter I sent by certified mail receipt and have not received the receipt after two weeks. 
I have varied my identification twice, picture and license, they have told me then to write a letter and I would get my money refunded for the rest of the year. Along with the letter, picture of myself and a copy of my license, I sent a copy from their website saying that they will refund money if someone cancels the service.

Company response to consumer: Closed with explanation