vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I wasn't aware that my account was closed, until i received a credit alert on my phone from XXXX XXXX today XX/XX/year>. I went on my online account and verified that the account was closed XX/XX/year>. I called today XX/XX/year> and spoke with the XX/XX/XXXXXXXX XXXX XXXX she advised that they sent correspondence out on XX/XX/year> I advised that I didn't receive any acknowledgement of my account being at risk of closure and I also advised her that my payments have been made on time and my recent payment that was due on XX/XX/year> was made on XX/XX/year> and XX/XX/XXXX days they closed my account without any warning or correspondence sent. She advised that they dont have to notify the consumer of that, I advised to her that in accordance with the FCRA section 506 a it states you are supposed to make the consumer aware before placing it on my credit bureau reports. So I would like to file a complaint of the violation of section 506 a. And have this erroneous negative remark off all 3 of my credit files. The FCRA includes provisions that ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. For example, it outlines permissible purposes for which consumer reports can be furnished, such as for credit, employment, insurance, and rental housing1. It also mandates that consumers have the right to dispute inaccurate information and requires consumer reporting agencies to investigate such dispute. FCRA Section 506 ( a ).

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the information related to the collection account reported by Portfolio Recovery, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as " XXXX XXXX XXXX XXXX, '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, Portfolio Recovery has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that Portfolio Recovery has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that Portfolio Recovery has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under 15 U.S.C. 1681i ( a ) ( Section 611 of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that Portfolio Recovery delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a Vanilla Gift Card was purchase at XXXXXXXX XXXX in the amount of {$140.00}. When the card was opened it was visibly altered with the XXXX digit security code missing ( see attachment ). We requested a refund from XXXX and Vanilla Gift Card to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX  of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked numerous times that my personal information be updated and it still has not been corrected in XXXX yrs. I will include my paycheck stub which has my legal name and my address. I would like all incorrect names, addresses and employers removed from my credit profile. I have been a victim of identity theft and all of the credit bureaus were notified of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
I have asked numerous times that my personal information be updated and it still has not been corrected in XXXX yrs. I will include my paycheck stub which has my legal name and my address. I would like all incorrect names, addresses and employers removed from my credit profile. I have been a victim of identity theft and all of the credit bureaus were notified of this.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had dental work done for my dogs and used Care Credit. I really didn't want much on my credit so I began paying large chunks on it immediately. The XXXX went through fine, cleared my bank, got confirmation email from Care Credit, the whole XXXX. I went to pay another large chunk the next week ( nothing is even due for a month ) only to see my balance was the same as prior. I checked my Care Credit pymnts and saw it was reversed. I checked my bank and saw it was gone. I asked my bank what happened and he said Care Credit RETURNED it. I then noticed a letter in my account that stated my payment was reversed. No reason. I told XXXX that the bank told me they had returned it, to which they denied. The letter states we have trouble receiving all payments. Just a blanket letter to be nondescript on their scam. I chalked this up to a fluke so the EXACT same thing happened on the next XXXX pymts ( which were still all well before the due date ) and this is when I reach out the them on XXXX. I then made XXXX more payments which went through the exact same, bank cleared, confirmation email all good on these XXXX and the balance was going down until BAM today, CLOSED due to too many " dishonored '' payments. BY WHO??? NOT ME!!!! XXXX RETURNED CLEARED PAYMENTS then closed my account and reported it to the bureau as delinquent and dishonored but wants to assure me my last XXXX pymnts posted. THEN WHY, AGAIN, WAS I CLOSED?!?!?!? 

I dont have exact dates on the retuned ones because they have taken access to my account and I am unable to see any further details.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Kept getting locked out of my TransUnion account after multiple attempts of trying to log in. TransUnion auto-response kept informing me my account is temporarily suspended because TransUnion is unable to validate my information. This was on XX/XX/24 and I had just purchased the {$29.00} subscription even though I couldn't get through. Apparently the Customer Care team left for the day even though it was XXXX PM XXXX  time on a Saturday. I kept getting placed in a loop due to higher than normal call volume. I finally was able to contact XXXX at TransUnion at around XXXX AM the next morning XX/XX/24 when they opened at their XXXX phone number. XXXX told me he cleared the block on the account and had me reset my password on my smartphone and not my desktop PC after giving me my username. He told me not to worry about the account on my desktop. I successfully finished set up the account after changing my password, activated my credit freeze and made sure credit alert was still active. That was from what I saw on the smartphone version of my account. Then my account gets temporarily suspended again after I ended the call with XXXX due to not being able to verify the information. I then had my card blocked on the {$29.00} monthly subscription with TransUnion in frustration because their automatic reply from transunion apparently comes off as a phishing scam according to the internet.

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 2024-08-25 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: FL

Complaint narrative:
XXXX unlawfully reported late payments on my credit report. I have never had an account with XXXX OF 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 2024-08-25 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: FL

Complaint narrative:
XXXX unlawfully reported late payments on my credit report. I have never had an account with XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, Each Credit agency is required to allow folks to freeze their credit reports. Experian has made it extra hard in recent years to do so without paying for or stepping thru loops. 
XXXX XXXX XXXXXXXX is supposed to make it easy and clean but after signing up, and logging into their web site it is hard to find what to do. There is a chat service that points back to above web site, and their XXXX number does not allow you to reach a live agent for this purpose. 
Finally, after finding the hidden menu, it takes you to " Experian XXXX '' which is not a free service. There is a fairly disguised hyperlink on that page that will take you to where you need to go ( it is same color and font and it becomes a hyperlink only after you mouse over it ). 
In short, the consumer is baited an misled via multiple pay services before they can access the free service that they are required to offer by law. They should be made to make this option easy and apparent to access.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My name is XXXX XXXX, My ssn is XXXX XXXX XXXX and my date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX  XXXX account # XXXX XX/XX/XXXX. Also the account # XXXX at XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate 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 2024-08-25 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: NY

Complaint narrative:
I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I want to get my settlement for the company that youll sued and told to reimburse harmed consumers and to stop their practice! I been trying to get them off my Credit and the bureaus are still reporting on my credit for one closed on XXXX XXXX and open on XXXX. I need those removed also

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.

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