vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX of 2024, I used XXXX financing to purchase a XXXX  machine. The XXXX provider noticed a mistake and cancelled the order and the promotional financing for the order. 
On XX/XX/XXXX of 2024, I noticed the promotional financing was still on the account and initiated a transaction dispute with Synchrony. Payments were being made towards this transaction On XX/XX/XXXX of 2024, I received the following from Synchrony removing promotional financing : " We resolved your dispute claim in the amount of {$1300.00} on XX/XX/year>. A credit of {$1300.00} has been applied to your account. 

What's next? Please allow XXXX business days from the resolution date for the amount to be credited to your account. You can expect a letter with additional details soon. 
" On XX/XX/XXXX of 2024, I noticed the promotional financing was back on the account and that I had been still paying towards the transaction. 

On XX/XX/XXXX of 2024, I received the following " We have completed our review of the disputed transaction on your XXXX XXXX XXXX account. 
I am pleased to let you know the credit in the amount of {$200.00} was applied to your account as you requested on XX/XX/year> in response to your inquiry submitted on XX/XX/year>. If applicable, interest charges, fees, and delinquencies related to this adjustment have also been removed. These adjustments may have appeared on a prior statement ; if not, they will appear on your next statement. Please read the information in the Promotional Purchase Summary section of your next billing statement as it will show an adjustment of promotional financing, if applicable, to your disputed transaction and will contain further detailed information '' Payments made towards the disputed promotional financing have still not been returned. The last statement shows of the XXXX original, XXXX had been paid in total.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I received a private student loan from Navient in 2007. I took out this loan for a for-profit college that has closed due to unjust practices, misconduct, and lies pertaining to students future. Also, the amount has more than doubled of what I borrowed and I have paid on it at least five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX XXXX Georgia stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/year> a credit card application was applied for from WFBNA CARD bank in my name. 

On XX/XX/year> a XXXX XXXX XXXX credit card was applied for in my name. 

I did not apply for either of these credit cards. 

I contacted both Wells Fargo and XXXX XXXXXXXX to submit a fraud 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 non-monetary relief
Consumer complaint received 2024-09-27 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: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: IL

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: RI

Complaint narrative:
It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there are inquiries which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for these companies to access my 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
This complaint is against LexisNexis XXXX XXXX, which provides information about consumers ' driving history to auto-insurance companies. My auto policy with AutoOwners recently came up for renewal, and my rates had increased substantially. When I asked why, I was told it was due to inflation. I made inquiries with other auto insurance companies and got quotes which were mostly in line with my former company. I then tried on the XXXX website, and found a quote which was {$300.00} lower than AutoOwners. However, when I pressed the " submit '' button, the quote increased by over {$300.00}. I called the company to find out why, and was told by a XXXX supervisor that a company called LexisNexis had reported an accident on XXXX as being my fault, when it was, in fact, a hit-and-run which I personally reported to XXXX XXXX, and to which there were several witnesses. I asked my former insurance company if they showed it as an at-fault accident, and they said no, and sent me proof that they had recorded it as 0 % responsibility on my part. I then called XXXX back, and was given the original quote of {$300.00} less than my renewal rate with AutoOwners. 

I made several attempts to call LexisNexis, but was unable to get a live agent online. I was able to request a report, but it will not be delivered for a month. After filing the original complaint with an agent at CFPB, I realized that the agent completely mischaracterized my complaint and left out essential information. I did receive a response for LexisNexis stating that they did not have sufficient information to identify me, and therefor they could not investigate my complaint. Subsequently, I made at least 6 attempts to contact the company at the phone number they had provided, but each time I called I was transferred to a call center in the XXXX, and the agents refused to transfer my call to a US agent or to notify a supervisor. I have no intention of divulging my Social Security number to an overseas call center agent on an unsecured phone line. 

Tonight I tried to report the poor job the original CFPB agent had done in detailing my complaint, but I was transferred to 2 supervisors who refused to discuss it with me. The first was named XXXX, and she demanded that I verify myself a second time, which is a mistaken protocol for government agents. The second was named XXXX, and he refused to correct the existing complaint and would only withdraw it. He refused to take my new complaint. 

I now insist that CFPB review this complaint, and particularly the performance of the CFPB employees involved. I also request that CFPB notify LexisNexis that I will not provide my SS # to an unsecured overseas call center without assurances that I am safe in doing so, something they will not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAVE A KOHLS STORE CREDIT CARD. WITHOUT NOTICE, OR MY ASKING, THEY SENT ME A CAPITAL ONE KOHLS VISA. I DO NOT WANT THIS CARD. I SHREDDED IT THE MOMENT IT CAME IN. NOW I AM RECEIVING EMAILS FROM CAPITAL ONE STATING THAT MY PAYMENT IS DUE. I TRY TO LOG IN ON LINE, IT WON'T LET ME. I CALLED CUSTOMER SERVICE FOR KOHLS, I ASKED THEM TO CLOSE THE VISA ACCOUNT AND THAT I NEVER ASKED FOR THIS CARD. SHE SAID ( IN BROKEN XXXX ) THAT I AM A PREFERRED CUSTOMER AND THAT'S WHY I RECEIVED THE CARD. I ASKED HER TO CLOSE IT, SHE SAID SHE WILL SEND A CODE TO MY CELL PHONE, I TOLD HER THAT I AM NOT TECH SAVY TO GO BACK AND FORTH FROM TEXTING TO PHONE CALL AND ASKED HER TO EMAIL IT TO ME AND SHE SAID SHE CAN'T! THEY HAVE NO PROBLEM EMAILING ME FOR PAYMENTS. AT THIS POINT I AM FRUSTRATED AND WA N'T EVERYTHING WITH KOHLS CLOSED, STORE CARD AND THE VISA I NEVER ASKED FOR. THEY CAN SEND ME MY FINAL STATEMENT. WHEN I GO ONLINE TO CUSTOMER SERVICE, NOW IT SAYS THEY ARE HAVING INTERNAL TROUBLE AND I CAN'T LOG IN AND THEY CAN'T HELP ME NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company by the name of XXXX XXXX XXXX appeared on my TransUnion Credit Report approximately around XX/XX/year>. First, I called the company requesting information about the alleged debt. The representative would not provide any information but wanted me to give personal information. And, stated, if I couldn't prove what was needed, that I would need to write a letter. Immediately, I sent a certified letter XX/XX/year> ( please see attached copy of certified receipt ) requesting validation of the debt, the original creditor, an account number, and proof that the alleged debt belonged to me, including any signed agreements or contracts. I did my due diligence and made sure the address that was listed on my credit report was the exact address to send to the company XXXX XXXX XXXX XXXX XXXX. To my surprise, the company returned my letter " return to sender no such number unable to forward. '' The company does not want to be reached neither validate this alleged debt. I have taken the liberty of attaching a transunion credit report that confirms the company 's address that matches the address on my letter and certified receipt that was addressed to the company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial well being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
On XX/XX/year> a credit card application was applied for from XXXX XXXX bank in my name. On XX/XX/year> a Capital one bank credit card was applied for in my name. I did not apply for either of these credit cards. I contacted both XXXX XXXX and capital one to submit a fraud application.

Company response to consumer: Closed with non-monetary relief