vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
First, Weve paid the same monthly payment automatically through our bank for the past 3 years with no issue. Synchrony Bank charged us with a first time paper statement fee in XXXX. I called and they reversed the charges and enrolled our account in a paperless statement utilizing my email address. They assured me it was resolved. 

Received my next monthly billing and again there was a paper statement fee along with a late fee of {$41.00}. I called again and was told they didnt see my enrollment in paperless statement so they reversed the charges and enrolled me again to the same email address that they had on file. The exact same thing happened again for XXXX billing and now Ive received XXXX billing and called today two separate times, when I spoke to the first account manager she told me that there was nothing she could do and the reason I was charged a {$41.00} late fee is that they didnt remove the paper statement fees even though I was clearly instructed they did remove them. I asked her to review the transcripts and she said she could not help me and that Synchrony bank doesnt accept XXXX email. I advised her this was the first time I heard that info and she said they did it to her too. I told her each month Ive called and each month customer service has told me it was all taken care of and confirmed but none of them EVER mentioned that they didnt use XXXX. I asked her to please transfer me to her supervisor and she said she could not do that and would transfer me to another account manager, after being on hold for a very long time I disconnected. I called back and spoke to customer service agent XXXX who advised that my email was showing in the system but she would need to speak with my husband to re enroll us in the paperless statements which is what theyve done the past 4 months. I asked her to please review the transcripts. She left the line for a long time and then she disconnected. I am in a viscous cycle that feels very shady and fraudulent on Synchrony Banks part. I have not made a late payment but continue to have ongoing problems. And if the problem is my XXXX account why hasnt one of the 5 or 6 customer service agents addressed it before today and why should I be charged fees when they kept enrolling me over and over with the XXXX address and telling me that I was good to go and not to worry? If you are able to request the transcripts you can see what Im talking about. Please help me with this mess. Thank you for your assistance.

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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been locked out of my account since XX/XX/year>. I have spoken with several representatives and have not been able to get any resolution from the bank. I was able to speak with a representative on Monday XX/XX/year> and she gave me access to my mobile banking, but not my debit card. I called again today XX/XX/year> and spoke with another representative to get access to my funds via my debit card. I was told after waiting 30 minutes that he was unable to assist me. I have received emails from an account specialist that state they reached out but were unable to reach me, which they never called. I have went through their fraud department to be verified so, Im not sure why I dont have access to my money at this point.

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 2024-12-11 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:
Experian has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 And 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Experian has also violated consumer consumer rights by ignoring CFPB dispute results and refusing to run FCRA standard disputes. Experian has refused to fun disputes stating they are doing their jobs but due to multiple past instances of failing to investigate this is false. Experian for 13 months has failure to investigate issue

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have spend more that 2 years trying to get this company to correct the payments from this company. I have made all payments on time and before date I have certified mail so that all payments make it to the door before the first of each month of XXXX. I have a certified funds, so I know no payments have been returned. Shell port has been extremely lacking being professional as far as I know XXXX or XXXX or they are holding currently three payments, and then still stating that the loan is in default or delinquent this information is incorrect. I need it corrected. XXXX reported to the credit bureau correctly. this is poor customer service.

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 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am filing this report because I discovered that Ideal Collection Services Inc. has placed an eviction or other collection-related information on my credit report. I do not recognize this company, nor have I ever had any dealings with them. I am unsure how they obtained my personal information, and I have no knowledge of the alleged debt or the account associated with it. 

This situation is deeply concerning as I believe my identity may have been fraudulently used. I request that this matter be thoroughly investigated, and any incorrect or fraudulent information related to Ideal Collection Services Inc. be removed from my credit reports and associated records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im reaching out to dispute several incorrect details on my TransUnion credit report that could seriously harm my credit profile. The name listed, " XXXX XXXX XXXX, XXXX, XXXX, '' is completely wrong. The address, " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, '' is incorrect and should be " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' The employer, " XXXX XXXX, XXXXXXXX XXXX, '' is also incorrect and does not reflect where I work. These errors have caused me a lot of stress and frustration, as they damage my financial reputation and make me concerned about identity theft. These mistakes could negatively impact my credit, and I believe they violate the Fair Credit Reporting Act, which requires credit reports to be accurate. I'm requesting that these errors be fixed right away to make sure my personal information is correct and up to date. Also, please check how this happened to make sure no fraud is 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 non-monetary relief
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 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: NJ

Complaint narrative:
I investigated my credit report and have found several items that are a result of identity theft. Please remove all inaccurate, unverifiable and fraudulent information off of my report to prevent further damage immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I cant get my credit report from the free site and I have given my drivers license and my personal photograph and everything is still not being resolved from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : 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 2024-12-11 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file regarding the XXXX account ( # XXXX ). According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes promptly. 
Upon reviewing my credit report, I found that the payment status for this account continues to indicate " 30 days late, '' which is inaccurate. I have consistently made on-time payments for this account, and I have attached relevant documentation to support this claim. 
Here are the details of the account : High Balance : {$2000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : Not Available Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Consumer disputes- reinvestigation in progress ; Closed or paid account/zero balance Two-Year Payment History : Indicates " OK '' for all months but continues to show a " 30 Days Late '' status inaccurately. 
I request that Equifax provide a detailed description of the investigation procedure conducted to verify this account 's payment history, as required under 15 USC 1681i ( a ) ( 7 ). Furthermore, I request documented evidence supporting the late payment claim, including specific dates, amounts, and correspondence that validate this reporting. 
In the absence of valid evidence, I demand that the payment status for this account be updated to " Paid As Agreed Never Late '' immediately. Failure to comply with this request within the 30-day timeframe outlined in the FCRA will constitute a violation of my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file regarding the XXXX  account ( # XXXX ). According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes promptly. 
Upon reviewing my credit report, I found that the payment status for this account continues to indicate " 30 days late, '' which is inaccurate. I have consistently made on-time payments for this account, and I have attached relevant documentation to support this claim. 
Here are the details of the account : High Balance : {$2000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : Not Available Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Consumer disputes- reinvestigation in progress ; Closed or paid account/zero balance Two-Year Payment History : Indicates " OK '' for all months but continues to show a " 30 Days Late '' status inaccurately. 
I request that Equifax provide a detailed description of the investigation procedure conducted to verify this account 's payment history, as required under 15 USC 1681i ( a ) ( 7 ). Furthermore, I request documented evidence supporting the late payment claim, including specific dates, amounts, and correspondence that validate this reporting. 
In the absence of valid evidence, I demand that the payment status for this account be updated to " Paid As Agreed Never Late '' immediately. Failure to comply with this request within the 30-day timeframe outlined in the FCRA will constitute a violation of my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This is my second complaint about Ally Financial. They lied in their response to me in a complaint filed the CFPB on XX/XX/XXXX. They said they had contacted XXXX on XX/XX/XXXX to request my GAP refund. I spoke to representatives from XXXX on XX/XX/XXXX who indicated they had not received any request for refund and in fact my contract was still active so Ally lied to me about taking action to close the account. If there is a miscommunication between Ally and XXXX, Ally has done nothing to fix the issue and provide me with a lien release nearly two months after the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I first disputed the purchase with the merchant, and the merchant did not take my case serious and failed to help me in resolving the issue which led me to believe that they had scammed me from the beginning. I provided all information they requested including a photo of what I had received, and they were not cooperative, as if they were playing a game with me. At one point in the emails, the merchant mentions that maybe someone was playing a joke on me. 

Since the merchant was not being cooperative, I contacted Capital One and informed them of what happened, they credited the amount and later charged my account again claiming not enough information was sent to them. I sent Capital One all the emails back and forth between me and the merchant where I am explaining what I received and requesting them to refund me which clearly shows evidence of them not helping. I also included the photo of what I received to Capital One. I sent them everything they were asking for, and they refused to help me. I tried opening the case again with Capital One since this has dragged on for a while back and forth due to both the merchant and Capital One not helping me, and now Capital One refuses to acknowledge that this has taken long because of the fact that I was not getting cooperation from either side. 

Capital One has taken advantage of me as a customer and I am asking for them to credit me back {$490.00} that was stolen from me from a company that scammed me. I was taken advantage of both times. 

I have enclosed the emails, photo of what I received which clearly shows they were not XXXX. All of this was sent to Captial One from the very beginning of my dispute, and I have also enclosed the letters from Capital One. 

I appreciate your help and understanding. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
When I checked my credit report this morning, I saw accounts that shouldnt be there, and Im at a complete loss as to why. I routinely check my report, but this time, these discrepancies just appeared out of thin air. I even refreshed the browser multiple times, hoping it was just an error, but nothing changed. Im pleading for the documents I provided to be carefully reviewed so I can stop living in fear of this issue.

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 2024-12-11 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: NC

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 explanation