vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Account number # XXXX Dep of Ed/XXXXXXXX on XXXX XXXX original balance {$6000.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$33000.00} Account number # XXXXXXXX XXXX XXXX on XXXX XXXX original balance {$550.00} Account number # XXXX XXXX  on XXXX XXXX XXXX balance {$1500.00} Account number # XXXX XXXX on XXXX XXXX original balance {$850.00} Account number # XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX original balance {$410.00} Account number # XXXX Dept of Ed/XXXX  on XXXX XXXX original balance {$3100.00} Account number # XXXXXXXX XXXX on XXXX XXXX original balance {$880.00} Account number # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX original {$5000.00} I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CONSUMER REPORT IN ADDITION I DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY REPORT THIS IS A VIOLATION OF FCRA 1681B WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a basic credit card through Capital One. I was declined for among other things, no term debt, a credit score of only XXXX, it was XXXX two weeks prior. 

This is the second time that I have reached out to the CFPB to assist me, and I really didn't get a resolution with XXXX XXXX  ( CFPB Case # XXXX ), and now a denial from Capital One. I still need assistance with this case as well. I did reach out to Capital One by US Mail at their XXXX XXXX XXXX location, with a cover letter, a copy of my credit score from XX/XX/22, and only some of the pages from my XX/XX/22 credit report. 

It is true that I do not have any term debt currently, having paid off all of those obligations as agreed many years ago. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital 1 auto finance took my car after I payed all those payments damaged my credit because of a car wreck that wasnt my fault never gave me the car back or fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SYNCHRONY BANK, for violating my cease and desist notice, continuing harassment, threats, defamation of character, and continuing to collect an alleged debt under false statement or representation. 

SYNCHRONY BANK stated in their letter ( Exhibit A ) dated XX/XX/2022, You did so by signing the application, whether written, verbally, or electronically, and agreeing that you understood the terms and conditions of the account. SYNCHRONY BANK violates the protection of my nonpublic personal information under the XXXX XXXX. SYNCHRONY BANK never disclosed that I have a right to opt out of my nonpublic personal information before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and given an explanation of how I can exercise that nondisclosure option. 

According to the consumer credit protection ( 15 USC 1693l ) waiver of rights, No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action. 

I never gave SYNCHRONY BANK consent to disclose my nonpublic personal information which constitutes Aggravated identity theft ( 18 USC 1028A ) by false pretenses. 

SYNCHRONY BANK stated in their letter ( Exhibit A ), We have received and will honor your request to cease collection efforts on this account. SYNCHRONY BANK continues to dishonor by continuing to communicate and collect on the account. I received mail letters dated XX/XX/2022 ( Exhibit B ), XX/XX/2022 ( Exhibit C ), XX/XX/2022 ( Exhibit D ), XX/XX/2022 ( Exhibit XXXX ), and XXXX emails ( Exhibit F ) dated from XX/XX/2022 thru XX/XX/2022. SYNCHRONY BANK continues to report negative information on my consumer report and violates the Fair Credit Reporting Act. 

SYNCHRONY BANK has not only violated my right to privacy but also violated multiple Federal Laws. 

I hereby demand SYNCHRONY BANK honor my cease and desist letter, stop further collection on the account ending in XXXX, and remove any negative information on my consumer report.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting acts, has violated my rights. 

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 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  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

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the Fair Credit Reporting acts, has violated my rights. 

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 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX XXXX Account AMERICAN HONDA XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX INQUIRY Unverified Account XXXX XXXX Unverified Account XXXX XXXX/HONDA OF XXXX XXXX Unverified Account XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The creditor goldman sachs bank usa, has ended the contract with the consumer. I sent a payment via certified mail to enroll in a repayment program in which this creditor took the payment and denied enrollment in this program, they soon decided to charge-off the account days after. They continue to report on my credit report every month. They have acquired a very agressive and deceptive law firm called XXXX XXXX XXXX XXXX. I requested information related to the debt amd they did not provide requested information. I was forced, by the law firm acquired by goldman sachs bank to debt validation response via certified mail. I have lawfully responded to their claims and concerns, and have been neglected by the law firm and by the original creditor. Deceptive tactics for debt collection have been made by the collectors and misinformation and disinformation has been shared and provided by both parties. I send offers and I sent letters of consented communications, and both parties decided to neglect these attempts made by the consumer to satisfy or negotiate this debt. It has been more than 90 days and has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was effected by the data breach as a result my credit reputation and worthines has been severly and irrevocably damaged. These are some of the alleged debts that are not mine. 

XXXX ) XXXX XXXX no acct number, amount {$1100.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount {$7100.00} XXXX ) XXXX XXXX XXXX, Acct XXXX XXXX, amount {$28000.00} XXXX ) XXXX XXXX XXXX, XXXX acct XXXX, amount {$610.00} XXXX ) Five Hard inquiries XX/XX/2020 ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX ) Twenty one Soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false information.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I was updated through the credit karma app and it said i had great approval odds for credit cards, but none went through and came up in my credit report ast hard inquirys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX is displaying a balance of XXXX XXXX on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX XXXX on all my reports. This has been this way for months, this unacceptable and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false information.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I was charged {$1000.00} for a purchase I did not make. On that date I was traveling home from XXXX. I did not have time to go on any excursion which is supposedly what the charge was for. I contacted the company and they dont even accept credit cards and the address on the receipt is not even theirs. I have showed proof of travel and explained all of this repeatedly, including texts from the company and it seems they can not understand that there is no way I made this charge. The fact that I did not lose my card does not mean that I did not make this charge. I believe one of the vendors I did use it with made the charge. I have no problem paying my charges but when I didnt make the charge it is very frustrating. The digital signature is not even close to mine and doesnt even have my last name on it.

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 monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL

Complaint narrative:
I have notified Castle Credit Co Holdings , LLC that I was a victim of identity theft and have notified mailed them by mail numerous times. I have never received any responses from Castle Credit Co Holdings , LLC and I know they received my documents as I mailed them through XXXX XXXX XXXX Certified Mail with Return Receipt request and was signed for. I reported the Identity Theft, as requested by law enforcement, through the Federal Trade Commission, Identity Theft Report Number : XXXX, on XX/XX/XXXX and mailed them a copy of it. I have still not received any documentations that I requested about this fraudulent account which was reported to the major credit bureaus and was how I found out about the fraud accounts. I recently contacted an attorney to ask questions on why Castle Credit Co Holdings , LLC would not respond to me, and he said there probably most likely is a lien on your home and he was right. Today, XX/XX/XXXX, I did search the XXXX XXXX XXXXXXXX XXXX XXXX website as I own an investment property in Tennessee but reside in Illinois. The XXXXXXXX XXXX XXXX dated XX/XX/XXXX, states that this is a {$15000.00} XXXX XXXX XXXX XXXX I did not authorize nor have anyone install anything at that home nor is anyone allowed to alter anything at the property I own. This is a fraudulent XXXXXXXX XXXX and Castle Credit Co Holdings , LLC was notified by mail before the filing of this XXXX XXXX  Statement and/or Lien on XXXX investment property.

Company response to consumer: Untimely response