vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this synchrony bank is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bringXX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!

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 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a payment through XX/XX/XXXXXXXX XXXX XXXX XXXX for {$1600.00} Its XX/XX/XXXX and UNITED WHOLESALE MORTGAGE is letting me know that they never received the payment I contacted customer care who told me to send them a message, email and fax the proof of payment. 

Ive submitted the proof multiple times on XX/XX/XXXX, along with XX/XX/XXXX and again XX/XX/XXXX. 

I chatted with XXXX, XXXX and another representative on the phone. 

I submitted the documentation via email, fax along with upload on their website however, the team is unable to rectify this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-26 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: OK

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX XX/XX/XXXX XX/XX/XXXXAccount : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXX XX/XX/XXXX XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX.XX/XX/XXXXXXXX ) XXXX 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 oXX/XX/XXXXwhich antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXXA Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX IXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX CXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXXAccount : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right XXXX privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXX/XX/XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records XX/XX/XXXX which antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXX A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2024-04-26 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: NJ

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: MN

Complaint narrative:
Please see attached file.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to request the deletion of a closed paid off account from my ChexSystems report XXXX The account in question is XXXX, which was closed and paid off on XX/XX/year> I understand that ChexSystems provides valuable information to financial institutions to help them make informed decisions about new account openings. However, the presence of this closed paid off account on my report may adversely affect my ability to open new accounts or obtain certain financial services. 

I would like to emphasize that the account in question was satisfactorily settled, and there are no outstanding balances or issues associated with it. As such, I kindly request that you consider removing this entry from my ChexSystems report at your earliest convenience. 

Enclosed with this letter, please find relevant documentation supporting the closure and payment of the account, including [ List any supporting documents you are including, such as payment confirmation, closure confirmation, etc. ]. 

I appreciate your attention to this matter and your assistance in resolving it promptly. If you require any further information or documentation, please do not hesitate to contact me at the above-mentioned contact details. 

Thank you for your time and consideration.

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2024. I received an alert from XXXX that a new account had been reported on my XXXX Credit Report by the company AFFIRM INC for {$130.00}. I have just been a victim of fraud activity with my Bank. XXXX XXXX  XXXX XXXX ). And when I called XXXX  XXXX XXXX, I was told that these individuals who had access to my information, had my name and social security number and had attempted to open a credit line with my name. XXXX  XXXX XXXX took care of the situation. A few later, I received an alert from XXXX that a new account had been reported on my XXXX Credit Report, by AFFIRM, a company I have never used or heard from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Early Warning Services, LLC
State: AZ

Complaint narrative:
Filed dispute for 2 accounts on XX/XX/XXXX that where deemed " verified '' however upon checking my XXXX report on XX/XX/XXXX I saw that the require notice of dispute was not present, and therefore are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. I notified Early Warning Services of this violation by usps certified mail 3 times ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX see attached usps cert mail confirmation of receipt ) without any response back from Early Warning Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was charged a late fee of {$30.00} when I actually paid the amount owed 12 days before the due date. Then, when I got fed up by trying to get past the AI wall at XXXX and speak to a human being, I canceled my card in XXXX and paid it off in full. In XXXX, I was emailed a statement that I was being charged can additional {$41.00} late fee for the month of XXXX. There was no payment due. 

I finally spoke with a person and got no further with her than I had with the XXXX. I paid the amount she asked for and told her to make sure I was not billed anymore in future. She assured me that the account had indeed been closed in XXXX but seemed to have no understanding that I was charged a late fee for an account that had a XXXX balance and that had been canceled XXXX month prior. 

The company involved was the XXXX XXXX XXXX XXXX from 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 2024-04-26 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and Experian have erroneous personal information reporting on my credit 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 2024-04-26 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: NE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a serious matter regarding inaccurate reporting on my consumer file maintained by XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, it has come to my attention that XXXX XXXX has reported a bankruptcy on my consumer report, which does not exist according to the written letter provided by XXXX XXXX confirming the absence of such information. 

On [ XX/XX/2022 ], I received a written letter from XXXX XXXX confirming that there is no record of bankruptcy on my consumer report. This communication directly contradicts the information that has been reported electronically through the E-OSCAR system to the credit reporting agencies. As per the FCRA, inaccurate information must not be reported to credit reporting agencies, and it is imperative that any discrepancies are rectified promptly.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
{$21000.00} was the amount the company took me to court. The judge ruled in my favor and stated I no longer owe them and they have no standing and therefore Im no longer in contract with them. I asked them to remove it off my credit report they refused. I no longer owe them or am in contract with them and need help removing it off my credit report. Its affecting me and injuring me as well as infringing on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
I woke up the morning of XX/XX/year> and saw there were unauthorized transactions on my Robinhood account A hacker sold {$65.00} of XXXX XXXX & {$42.00} of XXXX, they then bought {$300.00} of XXXX with funds in my account and then transferred the bitcoin to their own wallet. 
I immediately called customer service XXXX, they put a hold on my account and said that they seen the transactions and everything would be ok. 
After multiple follow ups waiting for the money to be put back in my account with Robinhood I was told each time on the phone they would look into it and then would receive and email from them that no further action would be taken.

I did NOT click on any suspicious emails prior to this, I did NOT give anyone my password or give them access to my account or do anything that would warrant someone getting in my account.

Robinhood 's security guarantee states that my money will be returned to me which they are refusing to do. I contacted them multiple times to try to resolve this. This is NOT a safe company to have any money invested with. The money I had sitting on the side in their account to use to buy stocks was NOT safe, it was taken and transferred to a hacker 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The Company Westlake Portfolio Management stated that they have the account from the American Car Center contract stated that they have had my account since XX/XX/2023 I did an account verification in XXXX along with a cease of communication in XXXX and this company is requiring me to make payments I do not owe and that they have been holding since XXXX. Violation of the fdcpa and the fcra and I want to be compensated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: UT

Complaint narrative:
Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and XXXX to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and XXXX to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.

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 2024-04-26 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: FL

Complaint narrative:
I am known victim of identity theft. I have already reported this to the credit bureaus, the authorities and the creditors themselves. It has been almost a year now and the bureaus have really done nothing at all. They just ignore my correspondence and i know I did the process right, They are breaking the law and violating my rights. I really, really need help with this. It is ridiculous. They can't just ignore me when I do the whole process the right way.

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 2024-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV is a debt buyer that sent a letter threatening a law suit which I disregarded based on no knowledge of the accounts in question.

From the date I first noticed LVNV on my credit report I sent letters requesting a copy of their purchase agreement and their rights to pursue the collections in the state of Alabama. I did this personally and also hiresd several firms to have them removed from my credit report and never had any of my requests answered.

I recently sent a cease and desist letter stating my concerns with LVNV having my personal information and attempting to prevent me from a home purchase through fraudulent means of collections/judgements. In that letter I requested the purchase agreement and their license to collect on a debt in the state of Alabama among other things and was ignored as usual.

Company response to consumer: Closed with non-monetary relief