vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX Synchrony Bank increased my care credit card from {$2600.00} to {$8000.00}. One week later, Synchrony Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification.

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because Synchrony Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on XXXX, XXXX, and XXXX credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise XXXX, XXXX, and XXXX to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on Synchrony Bank -Care Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on XXXX, XXXX, and XXXX. My credit score shouldn't have decreased when my account was in good standing.

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 2024-03-05 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

XXXX, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. 
( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
A account can not be considered 120 days late 3 months in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX account number XXXX,, XXXX XXXX XXXX account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence ENGELHARdt v. GRAVENS ( MO ) 281 SW 715, 719, I presume that no proof of the debt, nor therefore any such defect, therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX account number XXXX,, XXXX XXXX XXXX account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence ENGELHARdt v. GRAVENS ( MO ) 281 SW 715, 719, I presume that no proof of the debt, nor therefore any such defect, therefore exist.

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 2024-03-05 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you

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 2024-03-05 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
Hi XXXX, It has been a while since we open the contract ( XXXX XXXX XXXX ) for XXXX and me. The contract is due to closed in XX/XX/XXXX for both loans, however, there is a hiccup in the system that closed only one loan ( {$29000.00} ). 

I tried to resolve this many times, but customer service and the manager will not give me a clear answer as to what happened. XXXX XXXX customer manager stated the loan is closed and we need to open a new account. The settlement fee is overstated based on {$71000.00} and not {$29000.00}. 

I am attaching documents to support the two loans that was handle in error. In addition, {$14000.00} was returned to my checking account. 

Please respond as soon as information is available. 



XXXX XXXX XXXX home XXXX cell I called XXXX and no one in the company knows XXXX XXXX. The settlement amount was {$57000.00} for both loans an 80 % settlement fee. I need {$15000.00} returned to me to pay XXXX XXXX XXXX. The money to my checking account ( XXXX ) has been paid to XXXX XXXX XXXX. 

I lost faith in the way Freedom Relief has handled my account. The contract was set for me to pay {$1400.00} and I did this for three and half years. My account was at {$60000.00} before the settlement approval of {$57000.00}. 

Please assist I have contacted more than twice to have this corrected, and I have been circled with many representatives who will not give me information. 

This is who XXXX XXXX sent me in XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : Hello XXXX, I just tried to call you. XXXX is on the paperwork also and I used your email address for both of you to sign. 

Once we remove the XXXX XXXXXXXX account, we can take him off this also. 



Just wanted to let you know. 



Call me if you have any questions. 





XXXX XXXX | XXXXXXXX XXXX XXXX XXXX Freedom Debt Relief Direct : XXXX | Toll Free : ( XXXX ) XXXX XXXX | Fax : ( XXXX ) XXXX | freedomdebtrelief.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This Company MIDLAND CREDIT MANAGEMENT Is Not Licensed & Bonded In The State Of Arizona To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you MIDLAND CREDIT MANAGEMENT that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I received an email from MRS BPO stating I owe XXXX XXXX {$1400.00} on XX/XX/2024 via email. I went to their website and filed my dispute letting them know I do not owe XXXX this amount and to forward me the itemized bills from the past XXXX  months from XXXX XXXX or to leave me alone. This is the XXXX collection agency XXXX XXXX has sent my personal information to about a debt I do not owe. I do not appreciate my email address, phone number or any information being released without my permission to a company I have not done business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
I am unaware of opening any credit card with a balance of {$3100.00} from XXXX XXXX in XX/XX/year>. XXXX  XXXX  opened this account without my knowledge and closed the account as of XX/XX/year> impacting my credit score by more than XXXX points. This account shouldnt have been added to my credit report and then closed less than 30 days of having the account. I need all documents showing my wet ink signature and approval of this account to be opened by me. I have not authorized this account to be opened and closed. Ive tried calling the company is no one is available to speak to you

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 2024-03-05 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX u.s.c XXXX was sent to each of the creditors with incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Since XXXX of XXXX I have repeatedly requested a loan modification from Mr. Cooper. Only for the process to be drug out and eventually be denied. This has happened multiple times. Every piece of documentation they have requested, I have submitted. It is now XXXX of XXXX and I was recently denied again. I have never spoken to the same employee twice, and I have had to submit the exact same document multiple times. My home is worth twice what I owe. My household annual income exceeds minimum DTI requirements. I only want to be granted a loan modification and be rid of the fear of losing my home. 

First Internal mod letter XX/XX/XXXX. Second internal mod letter XX/XX/XXXX. Third internal mod letter XX/XX/XXXX as well as XX/XX/XXXX. Loss Mitigation Denial letter XX/XX/XXXX. Loss mitigation correspondence XX/XX/XXXX. Internal mod letter XX/XX/XXXX. Internal Mod letter XX/XX/XXXX. Internal mod letter XX/XX/XXXX. Loss mitigation evaluation notice XX/XX/XXXX. Internal mod letter XX/XX/XXXX. XX/XX/XXXX Internal Mod letter. XX/XX/XXXX Loss mitigation evaluation notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-03-05 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: FL

Complaint narrative:
Beginning in XXXX TransUnion using XXXX XXXX on my credit report that should not be there. Refusing to take it off even though it's been past the 5-year mark. Reentering information and putting the XXXX XXXX  back on my report as of 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 explanation
Consumer complaint received 2024-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unauthorized credit inquiries and 2 fraudulent accounts in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
I called to try to settle for less. They refused. I said I would call when I could afford it. They send texts, call, constantly The only reason I have the rent debt is because of Covid. I lost my jobs and couldnt afford my apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank initially seemed to understand that the merchant ( XXXX XXXX ) had made false claims regarding a purchase I had made and its return policy regarding a defective scooter. I am XXXX years of age and XXXX. 
3 months after refunding the purchase price of the defective scooter the merchant sent a false and unfair claim that regardless of the circumstance that the item be returned within 14 days. Citizens Bank then unjustly refunded the purchase price to the merchant, causing me an overdraught of {$680.00}. They initiated this without giving me the opportunity to dispute the merchant or to defend my position or to view the merchant 's claim, which Citizens Bank had promised to do ; They just went ahead and refunded the {$1300.00} to XXXX XXXX, saying that their claim was indisputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX  XXXX account number XXXX,, XXXX XXXX company account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the debt, nor therefore any such defect, therefore exist.

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 2024-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Purchased XXXX XXXX in XXXX XXXX, TX for {$250.00}, as a present to my employee, when the person was going to use it it never worked, he was unable to use the even {$1.00} from this card. He opened a case online, then he returned the card to me. I'm talking to them since XX/XX/XXXX, still can't get my money back and its XX/XX/XXXX already. They don't have any support people on the phone number provided on the back of the card.

Company response to consumer: Closed with explanation