vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To Whom It May Concern, When I applied for a Credit Card with Synchrony Bank/TJX XXXX XXXX I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that Synchrony Financial engaged in fraudulent behavior ( unauthorized use of credit card ).

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 these 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 2023-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XXXX the manager at citizens bank keeps lying and not answering questions regarding promotion of {$400.00} for opening account I was told XX/XX/XXXX was when the deposit will happen and she said different date which is a lie. Cause websites says XX/XX/XXXX and she will not show me the info she is providing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate.

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate.

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.

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 2023-05-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2023 I sent out 3 letters to each credit bureau, Experian, XXXX and XXXX. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from XXXX and XXXX bureau, but not Experian. 

XXXX and XXXX provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX, XXXX, XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( Experian, XXXX or XXXX ). I have not received a response in over 30 Days.

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 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have recently started receiving correspondence via U.S. mail from Portfolio Recovery Associates to collect a debt. There are two collections on my credit report from this collection agency. One report is with an original creditor XXXX XXXX with a balance of {$330.00} and the other is XXXX XXXX with a balance of {$440.00}. I've never had an account of any kind with XXXX XXXX and until XX/XX/2022 I never had an account with XXXX XXXX ( which is paid and in good standing ). Upon further review, Portfolio Recovery Associates are not licensed to collect in the state of Michigan. This debt is not owed by me and collection attempts should cease and desist. I would also like the negative credit reporting removed immediately. This company has a history of illegal collection attempts and misconduct .... " Allegedly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/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 2023-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
My prior mortgage servicer ( HomePoint ) made a mistake when calculating my escrow balance needed during the year 2021. They have since admitted to this mistake to my current mortgage service provider. This caused an overage in my account in which they refunded to me that year as well as me paying insufficient amount due to their miscalculation. During the next fiscal year, my load was sold to XXXX, who assumed all the obligations and payment info with no checks into the balance of the escrow account. During XXXX 's yearly escrow analysis they noticed the escrow discrepancy and informed me of the severe shortage. I reached out to them and they informed me that the cause of error was in fact done at HomePoint. Through their complaint process we reached out to HomePoint to rectify the situation and refund the amount they admittedly miscalculation but have since neglected to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, When I applied for a Credit Card with Capital One, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that XXXX XXXX engaged in fraudulent behavior ( unauthorized use of credit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-17 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: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items seems to be an error that needs to delete : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief