vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had my XXXX XXXX XXXX XXXXXXXX. We don't have a money at the momment. The XXXX XXXX dirrected us to the care credit. 

When we call care credit the lady said it will only be 2 years to pay at XXXX $ a month. So we agree on the terms by phone. 

Today when I look at my credit report I saw a sudden increase on the amount I owe on Synchrony Bank. 

So I investigate and log in to an account that I havent access for a long time. So for the amount {$15000.00} we borrowed 2 years ago they charge us {$8100.00} because they said the promo expired. 

When I look at my account to see the details.We have been only being charge for the minimum for the passed years.The bank supposed to deduct on our account the amount that will prevent us form paying an almost 26.99 % interest. No, they dedduct to our account the minimum. So my debt from {$7000.00} went up to {$14000.00}. 

What I also understand is that when the promo expires, is when they gon na start charging interest for the coming month/years. I didn't know that they are going to back charge all the interest from the past years.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: WA

Complaint narrative:
It currently shows that I owe an alleged debt with XXXX. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that XXXX aka XXXX, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I've called Citibank alot of those times about this one account and you guys keep telling me I don't owe anything and you guys reported to XXXX XXXX one if it doesn't owe anything why is it on my XXXX XXXX report it's on my consumer report if I don't know anything can you please remove the information on my XXXX  XXXX  report you guys say the account was closed positive so why was it reported to XXXX  XXXX account number I've called your customer service I have called your fraud department I have called your close account Department I called everyone at Citibank and they're telling me the same thing I don't owe a dime so please remove Citibank from my XXXX XXXX report

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX  with a balance of {$770.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX  on my credit report as a charge off. 
I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )

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 2024-05-07 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: ResidentCollect, Inc.
State: MN

Complaint narrative:
Identity Theft Affidavit sent and This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transunion, XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX, NA Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$92.00}. The original creditor is 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

has violated my rights. Or a list of inquiries : 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Mercedes Benz XXXX and/or Mercedes Benz Financial regarding their failure to refund my Gap Insurance premium in accordance with applicable laws and codes regulating insurance in the state of Florida. 


I purchased a Gap Insurance policy from Mercedes Benz on XX/XX/year> when I financed the purchase of my vehicle. When I refinanced, I canceled the Gap Insurance policy on XX/XX/year>. Per the terms of the policy and Florida insurance regulations, I am entitled to a refund of the unearned premium.

Mercedes Benz 's failure to refund the unearned premium within a reasonable timeframe violates the following applicable laws and codes : 1. **Florida Statute 627.7283 ( 2 ) ** : This statute requires insurance companies to refund any unearned premiums promptly after the policy is canceled. Failure to do so is considered an unfair trade practice.

2. **Florida Administrative Code Rule 69O-186.013 ( 1 ) ( c ) ** : This regulation stipulates that insurers must refund any unearned premiums within 15 days after the effective date of cancellation or receipt of a written request, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: LA

Complaint narrative:
On XX/XX/XXXX, I logged into XXXX and noticed Zion Debt Holdings, LLC placed a derogatory account as a joint account holder on my credit report which I disputed with XXXX This was the first time I heard of this company. On XX/XX/XXXX, I received a text from Zion stating I owed {$680.00}. I requested proof of the debt to be sent to my email address which I did not receive. On XX/XX/XXXX, XXXX verified the debt. I disputed the debt again on XX/XX/XXXX and was contacted by Zion via text again on XX/XX/XXXX and my reply received no response. On XX/XX/XXXX, I went to Zion Holdings website and sent in a contact form. On XX/XX/XXXX, a representative from Zion Holdings, XXXX XXXX, emailed me a contract signed by XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) and payment history for XXXX XXXX. I replied and explained that is was not my account, that neither my middle name nor my maiden name start with the letter D, and Ive never worked for XXXX XXXX XXXX. I asked what my next steps were and my email was ignored. Once I received these files, I again disputed this account with XXXX and uploaded the documents sent from Zion Holdings to verify that the account is not mine. There is nothing on the account with Zion Holdings that matches anything on my credit record ( phone number, email address , street address, or employment, and no relationship to the joint account holder ) that would link me to this account except for the fact that I have a similar name to this person who lives in the same town. XXXX is mailing the results of that dispute which I can only assume were verified as accurate once again because I was contacted via text by Zion Holdings again today, XX/XX/XXXX. 

This is not my account. I quick overview of my credit report can verify that. This is a shady business practice that is not only being allowed but being reinforced by XXXX. This is not my account and I want it off my record and I do not want to be contacted by this company again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation