vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Problem with Synchrony Bank RE : Care Credit Account # XXXX I have disputed and requested that an account, which identified me as a " cardholder '' be removed from my credit report for the following reasons : 1. I have never lived, resided, or received mail, at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. 

2- My former, legal address of record in Virginia was XXXX XXXX XXXX XXXX XXXX XXXX 
I gave no one permission to use my address with the intent to establish a financial debt or obligation associated with said usage. 

2. I have never established, cosigned, authorized, or otherwise received any services by means of credit card or loan accounts with Care Credit.

3- I have never made any payments to this account.

4- Any unknown employee of Synchrony Bank contacted me to obtain a " character reference '' for the other party named on this account.

5-I never established any secondary agreement to co-sign or act as a co-signer in co-making any agreement, with Synchrony Bank 6- Synchrony Bank did not have authorization from me to establish me as a " cardholder '' on any " Care Credit Account. 

7- I wrote to Synchrony bank and asked for the application and authorized signatures obtained o establish the account and to further identify what services were rendered to me as a borrower and received only copies of statements that reflect neither. 

This matter has been going on for some time and needs to be resolved. 
I am requesting my name and social security information be removed from this account as well as any negative reporting to the credit bureaus. 

Thank you XXXX XXXX Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 violated my rights. 

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 2022-07-28 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 violated my rights. 

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 2022-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid of my loan with BMO Harris bank on XX/XX/XXXX and the bank proceeded to take another loan payment from our bank account. I called the bank on XX/XX/XXXX once, I found out that another loan payment was being pulled for XXXX dollars. The representative XXXX assured me that the future payments would stop and the funds would not pull from my account. The funds did pull from my account and I valued again and spoke with an XXXX who assured me a check would be sent back in the mail within 24 hours. However, I did not receive the check by XX/XX/XXXX. I called again, now I have hours invested in trying to recover my money. I spoke with a XXXX who assured me he would call me within 24 hours to a resolution to the over payment, Surprise never heard from this representative and now I want my money back with interest and a penalty from BMO Harris Bank. I am not spending any more time with their representatives and having no resolution to this issue.

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 2022-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have been paying down my loan for years and have always been able to direct over payments towards the unsubsidized loan bucket. We are still in forbearance, and yet they notified me on my last payment I am unable to direct the full amount towards the unsubsidized portion of the loan. This is incorrect handling of my payment. The reason I am turning here is that it is concerning to me that they have made this change over a month out of forbearance ending. There have been five payments made this year all directed appropriately to the unsubsidized portion of the loan. This payment would not cause due dates to become out of sync because student loan repayment has not yet begun. 

I have attached the document sent to me by the loan servicer which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for XXXX to block and remove these fraudulent accounts immediately from my credit 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 non-monetary relief
Consumer complaint received 2022-07-28 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: LEXISNEXIS
State: GA

Complaint narrative:
Company did not investigate my complaint about reporting a bankruptcy on my report. They advised that they sent me an email, however that is false. I checked my email and did not see an email from them for identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NC

Complaint narrative:
I have a several errors & inaccurate information being reported on my credit report from Transunion XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with Transunion, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXXr XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.

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 2022-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I set up a savings account with Ally Bank. After the account was set up I received a credit monitoring report that the did a hard credit inquiry for a bank loan. This brought my credit score down. I sent them a secure message to find out why and they said I had to talk to the loan department. However I never applied for a loan or authorized them to do a credit check for a loan.

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 2022-07-28 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

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 2022-07-28 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: U.S. BANCORP
State: GA

Complaint narrative:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

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 2022-07-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to buy shoes from someone who seemed verified he said he would give me a shipping label after I XXXX him XXXX dollars which is the cost of the shoes on XX/XX/25. He then blocks all communication from me and I call the bank to start a claim. Chase sends me a letter saying they wont do anything to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ran my credit for a car purchase on XX/XX/2021, ( ok ), then Toyota credit ran my information, XX/XX/2021, got approval, ( ok ), then after making my first payment on time a month later, Toyota credit ran my information again on XX/XX/2021, ( NOT OK ). 
Both parties blamed each other and nothing was done, they now ignore the problem. This still remains on my inquiries in my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX Experian credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, Experian as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.

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 2022-07-28 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: LEXISNEXIS
State: NC

Complaint narrative:
I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and Lexis Nexis, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
A friend sent money through CashApp to me and accidentally sent it to my old cashapp account. 
The money was sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried to receive access to my account numerous times and because I now have a new phone number and new phone as the account was linked to an older phone, they are refusing me access to my old account with no reasoning. 
Attached are screenshots from my friends experience with contacting them and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I was sent an email on XX/XX/2022 that my credit limit would be adjusted from XXXX to XXXX So I called this morning. 

My credit limit was XXXX, but they lowered it to XXXX. I had a balance of XXXX on the card. Their reason was because I have not made a charge in the last XXXX months. 
I explained that it has been several times that I have not made a purchase within a 2 month time span and by lowering my credit limit it will affect my credit score. 
They said it was nothing they could do and refused to put my limit back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc
State: SC

Complaint narrative:
I received a letter from Vengroff Williams Inc., on XX/XX/2022. There is no date on the letter. According to USPS the date delivered is XX/XX/2022. 

Vengroff Williams Inc., is demanding money from me with intentions of damaging my credit scores. Vengroff Williams Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Vengroff Williams Inc., and I do not know how Vengroff Williams Inc., received my private medical information. Please be advised no consent to treat documents bare the name Vengroff Williams Inc., as Vengroff Williams Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Vengroff Williams Inc., received my validation notice via USPS mail. Vengroff Williams Inc., has been made aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Vengroff Williams Inc . 

I am not a party to any agreements that Vengroff Williams Inc., may or may not have with XXXX XXXX I am not responsible for Vengroff Williams Incs purchase / transfer from XXXX XXXX I have not agreed to pay/tender anything to Vengroff Williams Inc . 

On XX/XX/2022, XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc., mailed her/his/their/a version of an honorable reply to my validation notice. My validation notice was completely ignored. XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc provided proof of my HIPPA rights being violated. Due to the carelessness of XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc my private medical information is on display and this proves XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc violated my HIPPA rights. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Vengroff Williams Inc. At this time, I demand no further contact from any associate or authorized representative of Vengroff Williams Inc . 

All calls are recorded for my safety Please be advised that Vengroff Williams Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: DISCOVER BANK
State: GA

Complaint narrative:
Due to financial hardship, I was unable to pay my Discover Card payment. I contacted them at one point to bring the account current as I was due an adjustment. Discover failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, we received an email from Venmo to our email mentioning that our account " has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service '' without any notice or what happened. We have {$640.00} on the Venmo account and when we reached out through email, they asked for proof of ID which my boyfriend submitted to them and then they replied back this morning XX/XX/XXXX stating that we were " not eligible for reactivation due to several concerns regarding your activity. '' I called and chatted with them and Venmo mentioned that they can not give me any information. That they only way to get a reply is to reply back to the email that the Venmo team sent. We have consistently been going back and forth with this and it was mentioned in their email that they would keep the {$640.00} for 180 days. Not sure how they would keep our money when we need it for our monthly payments. I am very concerned with this company and with our money on the account. Our account username is @ threelions. This is my boyfriend 's account where he receives money from construction mini projects he works on.

Company response to consumer: Closed with explanation