vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: DC

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submit a dispute for a charge made on XX/XX/year> for {$710.00} against XXXX XXXX, I made the dispute on XX/XX/year> through a call with capital one when they told me they were gon na start the investigation and that I will not get my money back until the investigation is done so that way they prevent my account to go over limit, after a month they gave me the money back so I assumed the investigation was done and that I could use the money, which I did, however on XX/XX/year> they sent me a letter saying that they were gon na re billed my account because the merchant provided an invoice where they say the merchandise was good, the merchandise when XXXX gave it to me they were good, this was for 4 winter tires that worked perfectly just for a week, after a week the back left tire started to go flat every day, so I decided to check with another mechanic and they told me the tire was fine but it continuously got flat every day, and kept going like that. Now, Capital One is asking for proof about this, how do I proof that I tire is flat? Anyway, I want my account adjusted and I dont want this to affect me on my credit score which Ive been working really hard to build it, Im not gon na pay for something that I shouldnt, something that is making my life really complicated and for the record, XXXX dennied to give me any refund or anything in regards of the tire that they sold defective! I paid a lot of money for these winter tires and since the merchant didnt want to help I decided to do a dispute, capital one told me I wasnt gon na go over the limit because they only give me the money back to my account when the dispute is investigate and done. So I need capital one to fire the person who lied to me and to adjust my billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-10 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: SC

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony is bad to do close accounts and entrap consumers while tanking their credit. Fortunately, this last time they did this, I just paid off all balances AND THEN THEY DROPPED THE AVAILABLE LINE TO NEAR NOTHING. They are a monopoly and people end up forced to use them through retailers. They need investigated because I would bet they are violating many consumer laws, manipulating credit to increase levy higher interest, as well as monopolistic tactics where they become so necessarily utilized they are a powerful corrupt force in the economy. If left unchecked, by the time their corruption has grown, it will be difficult stop the destruction caused amongst both consumer population and competing financial institutions. I just hope others rise up and take a stand, telling of the manipulative practices that gouge the average and unsuspected consumer. I can say SYNCHRONY IS THE ONLY CREDIT LINE THAT IVE SEEN THIS CONSISTENTLY. Others such as Citi, XXXX XXXX, etc this type of behavior has NEVER occurred. Theyre a snare in the American economy and if I could give negative stars, I would. They would fare best for ANY OTHER FINANCIAL INSTITUTION TO ASSUME THEM, in fact I THINK THE FEDERAL GOVERNMENT NEEDS TO MAINTAIN ALL SYNCHRONY BUSINESS. We would actually all be better off in the long run. Theyre crooked ; Ive never seen any other legitimate credit lines of same caliber. BEWARE AND BOYCOTT SYNCHRONY. THEY ARE BIAS AND DISCRIMINATORY FOR GREED/PROFIT.

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 2024-04-10 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
in accordance with the fair credit report act this creditor has violated my rights under 15 USC 1618 section 6 o 2 States i have the right to privacy ( 15 USC 1681 section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has different product lines that are so confusing that they can not internally communicate to confirm to the customer what services they have or that they are a legitimate company. 

When I received an email from XXXX XXXX ( named simply XXXX on the website ), I accessed my account from the link in the email. The XXXX code sent to my email was copied and pasted into the field and immediately generated a 'suspended account ' email with a phone number to call. Suspicious of a possible spoofed website with a fake phone number, I instead found a customer service phone number on Transunion 's website. After 3 phone calls and 1 chat, the customer service representatives made me less comfortable that the email I received was legitimate : 1 ) first phone call the automated response system had me enter my full SSN and DOB as ID proofing. When a person answered, her first question was to ask my full SSN. When I asked if they could use any other ID elements since I just entered my SSN in the automated response, she did not respond and just hung up. This made me think I was really being scammed. 
2 ) next call the rep did not ask for my full SSN. She asked for my email address and phone number. This was better, but after about 30 minutes she maintained that she could not find any account that I have with them and suggested the email I received was probably fraudulent. I explained that I do have an account since I locked my credit with them, but she said the email was probably 'a glitch '. 
3 ) feeling the need to take some other action, I opened a chat. The person could not help but directed me to a different phone number. I called this number, entered my SSN and DOB in the automated response system again, was transferred to a person, and was immediately hung up on again. 
4 ) Now i XXXX  to see what number comes up for " XXXX XXXX '' and tried that number. The person was able to find my account, confirm it was suspended, and reset the password. She could see no previous communication attempts. She went through extensive ID proofing to allow her to reset my password ( which I appreciate ). However, when I asked her what she could do to verify her identity to me as really being Transunion she could only provide " XXXX '' - not even a last name.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called XXXX XXXX XXXX and XXXX and ask did the companies send you letters within 20 days of the validity of these accounts all companies responded no, they did not remove the accounts for my credit report XXXX accounts help me with late payments account had me charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMK Investments Inc
State: IL

Complaint narrative:
Hi I noticed CMK on my credit report and notified them to resolve and I was informed they no longer handle my account. I have asked them to remove from my credit report and attempted to contact the company XXXX which informed they dont handle my account. Please see email attached. If they are not handling my account and I am not able to settle with, please remove from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-10 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: 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 : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX : DEPT OF ED XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/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 2024-04-10 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: 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 : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX : DEPT OF ED XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : EXPERIAN XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2024-04-10 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: MA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have both Savings and Certificate of Deposit products at Ally. I was unable to obtain the Truth in Savings disclosure and my Account Agreement through Ally 's website. The disclosure information for the deposit products specifically was what I wanted to obtain but I also did not see disclosures readily available for lending products either. 

I did reach out to Ally via chat and also placed a call to request their TISA disclosures. When I contacted via phone, the representative placed me on hold and when she retuned she advised that they did not have any disclosures. I advised that I was certain that they have some kind of disclosure for deposit products and described the type of content that would be in a TISA disclosure. I was placed on a hold again, when she returned again, the representative advised I should look at my welcome packet. I asked if she would be able to provide a copy and was placed on a hold again. After a while the representative was able to email me a copy but on the phone she told me it would take up to 5 business days to receive an email. I am not sure if that was a scripted responses but I think it is unreasonable to say it could take 5 business days to receive a copy of the requested disclosure when its being emailed. As of the time I am writing this response, I have not yet received the disclosure ( written day of request ). 

My concern is that the disclosures required under TISA are not readily available for consumer like myself. Because Ally is a digital only FI, I can not go into a branch to obtain disclosures, I believe this information should be readily available on their website.

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 2024-04-10 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: TX

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NC

Complaint narrative:
These companies are in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Acct # XXXX Dates : XX/XX/XXXX These companies are also in clear violation of another law. Under 15 U.S. Code 1666b ( a ) - Timing of payments. THE LAW CLEARLY STATES : 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any information under section XXXX ( b ) sent to me certified mail within 21 days before the payment due date which puts this company in violation of this law.

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 2024-04-10 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: NC

Complaint narrative:
These companies are in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. XXXX XXXX Acct # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Acct # XXXX Dates : XX/XX/XXXX These companies are also in clear violation of another law. Under 15 U.S. Code 1666b ( a ) - Timing of payments. THE LAW CLEARLY STATES : 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any information under section XXXX ( b ) sent to me certified mail within 21 days before the payment due date which puts this company in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I got this used vehicle from a used car dealer and the car had flooding damage I voluntarily surrendered the vehicle and now the company has been coming after me in court and trying to garnish my paycheck for vehicle that was a lemon from the beginning that they sold me I gave the car back they made XXXX off the car they made {$20000.00} off the car now theyre trying to sue me for {$20000.00} also and the interest rate was high things were wrong, and I got ripped off

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