vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
At XXXX XXXX XXXXXXXX XXXX  XXXX were purchased to address hearing loss. 

Synchrony Bank and CareCredit have exploited individuals in need of payment options for medical situations, devices, procedures and needs. They use exploitative promotions that end in undisclosed and uncommunicated high-interest so-called CareCredit loans to consumers knowing they have no other options. Additionally, there is no form of written communication provided prior to the undisclosed end of a " promotion '' to the consumer from Synchrony Bank and/or CareCredit. Subsequently Synchrony Bank and CareCredit immediately initiate extraordinarily high interest rates that are above and beyond. This includes going back and adding Interest and immediately charging the consumer 's personal account ; no communication or information. The high interest charge of over 36 % is incurred, charged upfront and monthly, again, no communication to the consumer at any point in time. Late Fees are immediately occurred and added to the account. The CareCredit consumer 's personal account webpage lacks specific information, disclosure, as well as the consumer is not able to access or view Statements over the period with only 12 months available, and lacking information.

Consumer, me contacted Synchrony/CareCredit to explain what had been found by the consumer on her personal account and that she was not aware of the end of in their words " a promotion '', and that my account had been charged an incredible amount of Interest and Late Fees. I was told by two customer representatives that " You need to just pay, there is nothing that can be done and no one you can talk to. I asked to speak with management and escalate and they said no one for you to talk to. '' I repeated myself in these two interactions numerous times conveying not being aware, no communication received, etc.

I researched online for any active " Class Action Lawsuits '' and found that there have recently had numerous lawsuits against Synchrony Bank and CareCredit. 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 2025-04-10 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2000.00} 2. Account name : XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX XXXXl Account Opened : XX/XX/XXXX Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$2000.00} 2. Account name : XXXX XXXX  Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX XXXXl Account Opened : XX/XX/XXXX Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 6.Account name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXXXXXX XXXX Amount Opened : XX/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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint for fradulent attempts to collect on a debt by the legal firm XXXX XXXX XXXX XXXX XXXX. by refusing to validate the debt. Complaint ID, XXXX. On XX/XX/XXXX, XXXX XXXX XXXX did respond to my complaint and additionally mailed me all the documents. However, the fraudulent attempt to collect on a debt not owed is relevant because in the Bill of Sale it says that on XX/XX/XXXX, the alleged debt was transferred to MHC Receivables , LLC. XXXX XXXX XXXX XXXX XXXX is an attorney office and well versed in the law, they well know that MHC Receivables , LLC is not their client LVNV. There is no chain of custody shown to establish any debt owed to LVNV. This constitutes fraud for misleading and deceptive practices in violation of 15 USC, CFPB Rules, FTCA Section 5, and other Federal Rules governing this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 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: NY

Complaint narrative:
These are accounts on my profile that are unauthorized! I'm directly affected by the XXXX XXXX breach. 
XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX Also these unauthorized inquiries 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 2025-04-10 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: NY

Complaint narrative:
These are accounts on my profile that are unauthorized! I'm directly affected by the XXXX XXXX breach. 
XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX Also these unauthorized inquiries XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-10 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:
Found an inquiries on my report that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank XX/XX/year> Claim amount {$1100.00} Originally I paid XXXX for several clothing items. I initially got the credit back to my account but was later taken away. I was told I could not fight this decision, even when telling the claims specialist I did not lose my card it was the fact the merchandise was counterfeit. Yet he claim was still listed as unauthorized charges. Again I am not stating it was not me who made the charge, I was scammed by XXXX. I attempted speaking with agents over and over but I was always met with the same indifference saying there was nothing to be done. The XXXX  government has raided the XXXX warehouses due to illegal activities in selling fake merchandise. Several articles can be found online. The business owners have also been arrested along with many key members of the company. It is against the law in both XXXX and the United States to sell counterfeit items, I believe with this there will be no doubt in the ntegrity of my claim in being defrauded by the merchant XXXX. 

I had raised this issue with Chase for the 3rd time, by visiting a branch to supply the documents as they would not allow me to access online banking. The branch manager submitted the documents " XXXX ''. I was told within weeks I would hear back, this was not true. They said nothing was received therefore no change in the claim, Chase acted like I had never reopened the claim, even though I had correspondence within a branch. They now threaten me with collections for the amount of the chargeback, yet they do no abide by their own rules and regulations, it is illegal to buy counterfeit items, I was scammed and Chase does nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I requested debt validation from the collection agency. They failed to provide any documentation or proof that I am responsible for this debt. No signed agreement, no itemized charges, and no evidence of liability were shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
This company under the name of Credit Corp Solutions is reporting a balance of {$350.00} as an account in collections. The account is reported with a partial account number XXXX and is showing an original creditor under the name of XXXX XXXX Bank. I previously wrote directly to XXXX XXXXXXXX XXXX and to the collection agency requesting copies of the signed credit application. I sent them an identity theft report as well. They did not respond. Therefore this collection agency must investigate and close this account..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX : XXXX ( Supervisor-disconnected on call ) Rep XXXX : XXXX Updated Version ( if debt was previously in collections but paid ) : I am disputing the reporting of a Comenity Bank/XXXX  XXXX account on my XXXX credit report. There are XXXX entries for the same account, but XXXX is inaccurately reported and negatively affecting my credit. 
XXXX entry reports the account as Closed. {$340.00} written off, implying a charge-off or non-payment. 
The second entry accurately reflects the account as XXXX XXXX XXXXe with a {$0.00} balance. 

This account was paid in full, and the negative entry is both inaccurate and duplicative. Reporting both entries is misleading and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and non-duplicative information. 

I am requesting the deletion of the charge-off version of the account, as the debt was resolved and should not be reported as written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Please block and remove the accounts listed on my ftc report off my credit report. Those accounts do not belong to me and they are fraudulent! I need them removed immediately please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
Im filling a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

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 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 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 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 2025-04-10 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: TX

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY XXXX AND EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT AND XXXX  
KINDLY BLOCK AND DELETE THE ACCOUNTS WITHIN 4 BUSINESS DAYS AS REQUIRED BY FCRA 605B, 15 USC 1681C-2 and PER XXXX-DEBT FINAL RULE 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balanced : {$500.00} XXXXXXXX XXXX XXXX Balanced : {$690.00} XXXX XXXXXXXX Balanced : {$720.00} XXXX XXXXXXXX Balanced : {$77.00} XXXXXXXX XXXX XXXX Balanced : {$10000.00} XXXX XXXX XXXXXXXX Balanced : {$12000.00}

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