vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Tried to make a purchase using my Lowe 's credit card ( which contracts with Synchrony Bank for the credit card services ). The charge was declined ( {$1500.00} ), I had a XXXX balance with a line up to {$13000.00} so that was not an issue. Called up Synchrony bank, I was sent to their fraud department. Explained to them who I was, the Lowes salesman confirmed my identity with my drivers license. They tried to remove the loc, but they could not fix the problem ( operational risk problem ). Talked with Synchrony rep, she didn't know how to fix the problem, then talked with her manager she could not fix it, had salesman confirm identity, again they could not release the lock on my card. Ended up using another card for my purchase. Synchrony Bank compromised my character by declining the card, they also made Lowe 's look bad for making a good customer go through this. Lowe 's did give me a 5 % discount on my purchase for the stupidity ( operational and reputational risk problem ) of Synchrony bank doing this.

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 2023-11-19 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express was asked to remove the inquiry form my consumer reports ( XXXX, XXXX and XXXX ) because I did not give them permissible Purpose furnish my report. This company did not investigate, submit the written instructions or delete the inquiry on sent a letter of denial. 

This Act is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The letter of denial does not show that I was the one who submitted the application and gave them permissible purpose to furnish my account. I did not give my information to American Express and I want these inquiries to be removed off my account immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I have had two Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
I believe the account is invalid. WILLIAMS RUSH & ASSOCIATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WILLRUSH  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: NC

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : 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

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.

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 2023-11-19 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:
There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed in my card in XXXX XXXX. I was confused by the XXXX before I signed for the purchase. I attempted to go back to the business and was told they didnt know how to refund the error and they could just give me a credit. I was worried for safety and legitimacy of this, so I left thinking my bank will help me. Not sure why such a large charge was even allowed without stopping it and forcing me to verify. The claim started in XXXX and now in XXXX, the bank tells me they will not be approving the claim and that they will charge me this right before Christmas. This will clear my whole account

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 2023-11-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a customer of PayPal 22 days ago, PayPal limited my account and asked for some documents such as ID card, bank statement and proof of address in order to fix my account back but since I submitted I haven't heard from PayPal and this is a very unfortunate situation. 

I would want PayPal to fix things right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. 
I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. 
I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. 
Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. 
Verification of the date of the last activity on the account.

Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. 
Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. 
I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
On XX/XX/XXXX, a sheriff came to my home and served me with paperwork from Pressler , Felt & Warshaw , LLP. The paperwork states its a debt from XXXX in the amount of {$1800.00}. Not only was this tactic extremely intimidating ( I have XXXX and this brought back a lot of XXXX for me ), it was also very embarrassing and humiliating to have a XXXX come to my house for this purpose. I work virtually from home and this was done during my work day while speaking with clients. The paperwork does not give any detailed information regarding what this XXXX debt is for, and I am now being harassed almost 10 years later! In the paperwork it states that I have 20 days to make a payment or my employer will be contact so that my wages will be garnished at a RIDICULOUS amount! Since receiving this paperwork, Pressler , Felt & Warshaw , LLP have called me every single day at least 4 times per day. I feel harassed, bullied, threatened, and intimidated by Pressler , Felt & Warshaw , LLP. I do not have the financial stability to make a payment within 20 days, let alone to be garnished over {$280.00} per paycheck. I am a single mother who is trying to make ends meet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation
State: NC

Complaint narrative:
I believe the account is invalid. HEIGHTS FINANACIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HEIGHTS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is incorrect on my credit report. My name is XXXX XXXX XXXX. The address listed on my credit report or incorrect. The only address that should be on my credit report is XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I was told by XXXX XXXX that the loan was denied the loan was denied after being approved and upon signing off on the loan, they backed out because they said I my job wasn't properly described in the loan application. I said I was a truck driver that delived/repaired appliances. I drive a XXXX XXXX  to deliver these appliances and it is rated under the XXXX as such. This has actually happened twice with XXXX and Vystar bank. The first time was a few months prior with a business loan. I did not file my taxes due to us waiting on the tax preparer to schedule us in. XXXX XXXX advised us to enter our tax information into XXXX XXXX  so that the underwriter could see our tax info. After doing this we were denied because it was off. We told XXXX XXXX that we do not prepare taxes but we did this because our business needed the funds to start our build out of the ice cream shop. We were denied and it made us look like we did fraudulent activity. This is not right. My wife had totalled our car and we have NEVER MISSED ANY PAYMENTS. We needed a car to take back and forth to hospital visits because we were renting a car every week.

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 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I believe the account is invalid. USAA SVG BK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.USAA SVG BK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: NC

Complaint narrative:
I believe the account is invalid. SSTXXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SST/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All these inquiries are fraudulent. 

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

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