vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I did not authorize these companies to run credit, this is fraudulent.

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 2023-09-27 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: CA

Complaint narrative:
n 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. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 6. Account Name : XXXX/Account Number : XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.. 

I XXXX XXXX XXXX XXXX a living person, human being flesh in blood has not consented to Equifax, XXXX and XXXX in written, my consumer report needs to be kept confident and private. My rights have been violated. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
6801. Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-09-27 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: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries and incorrect information on my credit record. This information does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on XXXX XXXX in the armed forces of the United States or a dependent of that person. 
( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 490 % The amount financed : {$400.00} 28 % on top of {$400.00} = {$510.00} 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 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Initially I was denied faster than a New York minute, which leaves me wondering and suspicious. Now it seems like its too fast even for them, because Im getting these emails from them encouraging me to finish my application.

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 2023-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
XXXXXXXX XXXX  hired XXXX to pay my taxes as they come due. XXXX not only paid my taxes, but they paid my XXXX taxes. I received a letter from XXXXXXXX XXXX saying my escrow account was over XXXX  short. I called them right away and they had just sold my loan to Roundpoint Mortgage so they wouldn't talk to me. I called XXXX and they didn't have me on their books yet. They said I had to wait a XXXX, meanwhile, I have been making a much higher payment because my XXXX  account is short, which is XXXX 's fault. Meanwhile, I called XXXX XXXX to see if I could directly get that refund, and the county will only refund who paid my XXXX taxes, which is XXXX. Finally in XXXX, Roundpoint had me on their books and said to email them at XXXX. I sent all of the info by email on XX/XX/XXXX, and asked for an immediate response. I did not get any response. I emailed them again on XX/XX/XXXX, and even said I would be filing a complaint with you if they did not provide me with a status. I still heard nothing. Today, I called XXXX and they said they're waiting on a response from XXXX because they've heard nothing back from them. so I called XXXX myself, and they won't even work with me. I asked them to call the county to request a refund application and they said they don't make any outgoing calls. They will only work with lenders who have an account with them. I am furious, how can this XXXX company, who paid my neighbors taxes out of my escrow account, not be held accountable to me? This is their fault not mine, and they don't care at all. There is NO accountablility here. They're in charge of my money and don't have to deal with me???? XXXX should not be in business. I have been very patient. This is beyond ridiculous, XXXX has cost me a lot of time and frustration!!!

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 2023-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX they have called me at work. They have been told not to call at my place of employment. They still continue to call. We record all our calls and I'm not allowed to take personal calls at work. The calls are on record stating not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: NJ

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I went to the dealership to apply for an auto loan on XX/XX/2022 and was denied due to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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 writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence XXXX This account has been sold to several other collection agencies. This was cleared off of my credit in XX/XX/2023 from my XXXX report. 

I also formally disputed this with this company. 

A request for validation of debt. Also the date that is stated on this account is false. Acct open date is false. All of the dates that is being reported on this file is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
card was stolen and charges was made on card want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. Commenity Capital Bank aka XXXX XXXX reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2022 I applied for a XXXX XXXX credit card in order to receive discounts. The terms and conditions were never disclosed, mainly the interest rate. When I received the card and terms and conditions in the mail on XX/XX/2022, I immediately called the phone number on the paper work. Told them due to the interest rate on the card I would not be activating the credit card and did not accept the terms and conditions. I was told I " automatically '' accepted the terms and conditions when I applied, but how can you accept something you are not provided a chance to review? I informed the customer service rep that without my consent the account could NOT be opened. AND my consent was not giving after receiving their terms and conditions. Today, I received notification that there was a change in my credit report. XXXX XXXX XXXX aka XXXX 's reported the account as opened and closed. I again immediately called and told them I DID NOT accept their terms and conditions. I was informed they were not required to disclose the terms and conditions during the application process, that is simply NOT true.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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