vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a garnishment notification today XX/XX/XXXX from my employer for a XXXX credit management amount of {$XXXX}. I called the general XXXX number and then a direct line to legal. The woman stated this was for a XXXX XXXX card called XXXX  opened in XX/XX/XXXX that went delinquent in XXXX. I have never had a XXXX XXXX card. I have dealt with fraud in the past and I'm not sure if this is a result of that. I paid the balance to remove the garnishment but I absolutely need someone to look into who opened this, at what store, and what exactly happened. I honestly didn't think this was a real claim.

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 2024-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
On Friday, XXXX XXXX from a woman named XXXX XXXX, from a debt collection company called XXXX in reference to a payday loan in my name from a Company called Check Into Cash, in the amount of {$3100.00}. She stated the this debt was bought and sold to a debt collection company or law firm called " XXXXXXXX XXXX XXXXXXXX ''. I immediately asked for more information. She said this took place in the year of XXXX. I immediately told her I did not owe this debt. I've never obtained any loan from this company and this account is not in the corporate system, nor a debt on my credit report so I immediately knew that this was a serious scam and my personal information was obviously used to obtain it, I've never even been inside a location and did not even know what type of company Check into Cash was. Right after I ended the call with her, I called I went to XXXX and found the customer service number to the corporate office of this company and spoke to XXXX in which I gave her my personal information such as my Date of Birth and Social Security number to see if there was any information or an account in my name and there was not. XXXX said It is a scam and referred me to report this incident to the FTC. This company wants to serve me legal documents to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Sunday XX/XX/XXXX - someone stole my wallet with all of my cards and ID. 
Monday XX/XX/XXXX- went to TD Branch in XXXX XXXX  and reported card as lost/stolen. I was issued a new card. 
I was by TD bank told to not report any suspicious transactions until " posted '' to the account. 

I reported a fraudulent transaction dated XX/XX/XXXX that did not post until XX/XX/XXXX as a dispute claim. I reported this promptly and had alerted TD Bank to this on XX/XX/XXXX. 

Merchant XXXX XXXX XXXX for {$190.00} TD Bank sent me a letter dated XX/XX/XXXX saying they will not credit my account. 

Absolutely outrageous. I followed all the steps and reported this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. 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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. 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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 
XXXX Bank : # XXXX, XXXX XXXX Bank XXXX XXXX. : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX Bank : XXXX XXXX, has violated my rights. 


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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MN

Complaint narrative:
I am writing to formally express my deep concern regarding the ongoing issues with my Square account and the prolonged hold on my funds. 
On XX/XX/2022, I processed two invoices for the same client, totaling {$97000.00}. The payments of {$48000.00} and {$48000.00} were successfully completed on XX/XX/2022. Shortly after, I received a notice from Square stating that my account would be deactivated, with my funds held for an initial period of 90 days. 

Despite complying with all requested documentation, including a three-month bank statement, I was informed that I had to wait for the specified hold period. After the initial 90 days, I was told that my funds would remain inaccessible due to an additional 30days hold. This situation has caused significant stress, especially as I have been battling a serious health issue since over a year so I was not able to contact square during this time i was diagnosed with XXXX. 

I find it perplexing that my account was deactivated immediately after receiving payment for services I had already rendered, using my personal resources. To date, I have not received clarity on the grounds for the continued suspension of my funds. I have attempted to reach out multiple times to speak with a member of their legal team or a rep who can provide clarity, but have not had any substantial resolution. 

Recently, I sent an email to the square email address and I received a message indicating that my funds are available for transfer but that I need to reactivate my account through the call and I was giving a case number # XXXX. Despite calling square team multiple times since receiving that message, nothing has changed. I have been repeatedly told that my case is being escalated, and that I would receive an update via email. Yet, days have passed, and I am still waiting. 
I urge you to help me out because I have nothing else to do, no where to run to as this has been a significant burden on my personal and professional life. This situation is taking a toll on my well-being I just want my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I called Synchrony Bank, XXXX. Gave the agent the reference number and they were not able to locate an application in the system for PayPal Credit. 

On Wednesday I called PayPal credit at XXXX. Gave the agent the reference number and they were not able to locate the application. I described what the card looked like ant that it could be a PayPal Debit rewards card and they told me that I need to call, XXXX. When I talked to that agent I again provided the reference number and the first four digits of the account number and they said they couldn't find an application and they do not service the card with those first four digits and is not sure who does.

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 2024-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I haven't received any notification of the debt owed and only found out through checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I am writing to formally request a reinvestigation of late payment notations on my account LENDBUZZ # XXXX, referenced above, which were previously confirmed by your institution in response to a dispute initiated with the credit reporting agencies. The dates of the reported late payments are as follows :XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I respectfully request that the company reinvestigate these late payment entries under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly focusing on the following : Accuracy and Completeness of Reporting - Under FCRA Section 611 ( a ), consumers have the right to request a reinvestigation of information on their credit reports. You are required to ensure that the information provided is accurate and verifiable, especially in light of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under FCRA Section 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within 30 days of receipt of this reinvestigation request. 
Reasonable Investigation Procedures- As outlined in FCRA Section 623 ( b ) ( 1 ), furnishers of information are required to conduct a reasonable investigation of disputes and must report the results to the consumer reporting agencies. If your records do not fully substantiate the late payment entries, these must be corrected and removed from my account and updated with the credit bureaus. 
Validation of Billing Practices - Additionally, I request validation of compliance with 15 U.S.C. 1666 ( b ) concerning the timely mailing of periodic billing statements. It is my understanding that billing statements must be delivered not later than 21 days before the payment due date, per the Truth in Lending Act ( TILA ). I kindly ask that you provide documentation evidencing compliance with this requirement for the dates in question. 
Procedures to Ensure Accuracy - Per 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. I am requesting an explanation of the procedures your institution follows to guarantee the accuracy of the late payments reported to the credit bureaus. 
Please provide a detailed response regarding your findings, including copies of all documents used to verify the late payments and the procedures followed during the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX  XXXX  Opened : XX/XX/XXXX Amount : {$210.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$640.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$190.00} Inquires : XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX XXXX  XXXX j : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXXXXXX XXXX XXXXXXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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