vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX  in XXXX of XXXX for {$3300.00}. It was financed through synchrony bank. It was advertised as a 100 day risk free trial. I returned the bed within the 100 days and was refunded {$2500.00}. Apparently it is not risk free as they charged me {$260.00} for both the delivery of the bed and {$260.00} for picking it back up. I also purchased a mattress protector that was non refundable for {$230.00}. By the time I returned the bed, I had already made {$770.00} in payments to Synchrony which they confirmed by phone but refused to email me any statements or proofs of payment history. Since XXXXXXXX XXXX XXXXXXXX, Synchrony has told me I still owe {$400.00} to them. I ave disputed this with Synchrony 5 times. Everytime, they agree it is wrong, open a dispute then after 60 days, close the dispute without any communication to me. They actually owe me a refund of {$7.00}. In the last month, they have reported to every credit bureau that i am 90 days past due on a {$400.00} balance. Because of this, most of my credit accounts are lowering my credit limit to my current balance and is raising my credit utilization and destroying my credit. I have never been late on any payments ever. Once agan today they opened a dispute. They refused to give me a reference number or any documentation of the dispute. The difference in the original purchase price of {$3300.00} and the amount refunded {$2500.00} is {$760.00}. The total amount they confirmed I have paid is {$770.00}. I do not owe them anything.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-06 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:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-06 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX 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 non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-06 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by XXXX. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to XXXX, have not been serviced by XXXX since XXXX. I received this information directly from XXXX. 

Despite numerous attempts to resolve this issue through XXXX 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by XXXX. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to XXXX, have not been serviced by XXXX since XXXX. I received this information directly from XXXX. 

Despite numerous attempts to resolve this issue through XXXX 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Dear Sir/madam : On XX/XX/2024, XXXX XXXX refund my purchase in the amount of {$190.00} to my M7T Bank account ( see attached ). Unfortunately, M & T Bank refuses to place or show the funds in my checking account. I sent M & T Bank a message via there online portal and they acknowledged receipt of my email. 

I called M & T Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX to speak to associate XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX stated that he would call me backwhen I called him the first time. Since a hour had past, I decided to call XXXX XXXX back again and I was advised by a XXXX employee that XXXX XXXX was with a client and that he would call me back. He NEVER DID! 

I then sent XXXX XXXX a email ( see attached ) and unfortunately, he never responded. I would like to know, WHY is M & T Bank holding my funds hostage so that I can not use them?

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 2024-03-06 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: IL

Complaint narrative:
I am a victim of identity theft

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 2024-03-06 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: IL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had an account with BofA, during this time I had several claims that mounted up to the XXXX  of XXXX  of dollars that were paid eventually. I filed the claims in XXXX and finally got them all paid ending in XXXX. This has caused my vehicle to be repossessed, credit cards closed and late fees, along with the mental distress this caused me. Ive tried to no avail to stay in contact with BofA because I had to pay my rent late on a numerous occasions resulting in over {$1400.00} in late fees and unnecessary court papers sent to me. This all has been embarrassing because BofA took their time and allowed the claims to sit dormant on their lazy employees desk. I spent hours mounting to days calling them for resolution. I need CFPB to help me immediately to get restitution from BOFa

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 2024-03-06 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, Equifax, and XXXX. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with Equifax, and XX/XX/XXXX with XXXX. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to Equifax but failed to provide any record for the same date on XXXX and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to Equifax but XXXX this information from XXXX and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX percent payment history for Equifax XXXX while indicating XXXX percent for XXXX AND XXXX Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

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

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, XXXX, and Experian. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with Experian. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on Experian and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from Experian and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX  percent payment history for XXXX XXXX while indicating XXXX percent for XXXX AND XXXX Percent for Experian. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

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

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

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 2024-03-06 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows two separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.

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 2024-03-06 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: FL

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation. Please delete these fraudulent inquiries.

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 2024-03-06 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation