vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am being discriminated against, only because I filed a complaint against Synchrony Lowe 's credit card. My XXXX  and I applied for a XXXX XXXX XXXX credit card and denied once for not lifting our credit freeze. We applied again and lifted the freeze on all three credit agencies. Before doing this, we checked our FICO scores, all excellent on all three. We did NOT receive any mailing or notification from Synchrony bank, so I called, the rep told me to go to the Sam 's Club store and apply there. The Sam 's Club rep called their credit rep at Sam 's Club corporate to help me. I was there on the phone with her for XXXX minutes and again, received a notice that I would receive an answer in XXXX to XXXX  days. Today, on the XXXX, I received an email notification telling me after they told me to do so, that I was denied because, 'Prior application submitted too recently ' To me that is not a reason with a perfect credit score, and they are discriminating against me because I complained about their Lowe 's 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have requested that XXXX remove a collections account for XX/XX/XXXXe for {$7200.00} from my credit report because it did not belong to me XXXX times in the past year, and I have not received an update. I decided to call the collection agency on XX/XX/XXXX and ask them directly to remove the account. They confirmed that the account was opened back in XXXX for XXXX XXXX for my sister. I informed them that my sister lives with my father and is on his insurance. I was not present on the date in question when she required XX/XX/XXXX, but Wakefield and Associates say they received my name and social security number from them when they acquired the account. I tried explaining this and asking for the information, and they said they had to send it to the address they had on file, which is not mine. This account was only added to my account recently. This wasn't on my account until last year I believe. The person I spoke with at Wakefield and Associates was XXXX, a supervisor. I also informed them that I was contacting the CFPB about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-26 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: PA

Complaint narrative:
My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a XXXX from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : XXXX XXXX XXXX : Responsibilities of XXXX of information to consumer reporting agencies XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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 2024-06-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Web XXXX XXXX XXXX XXXX settled a class action lawsuit and I was XXXX of the consumers that was included in this XXXX XXXX. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an XXXX XXXX and very XXXX. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to XXXX XXXX XXXX Laws, there should not be damages on my credit report as it is a deformation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX recently settled a class action lawsuit and I was one of the consumers that was included in this Mass Arbitration. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an emotional wreck and very distressed. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to 15 U.S.C 1681 Laws, there should not be damages on my credit report as it is a deformation of my character.

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 2024-06-26 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was about to make a purchase with XXXX XXXX. I was offered an option for Home Depot Credit card with an answer within seconds and no hit to my XXXX XXXX, when I was provided options to pay. I agreed and answered a few questions believing no hit to my credit. Moments later I was approved and just needed to fill in some information. I answered the requested information to be informed they would let me know their decision. Wait! I was approved. I got notified that I had a new inquiry on my credit report. Lord and behold its XXXX XXXX. They then send me a letter stating I was denied because they couldnt verify my income. I called because it was never supposed to hit my credit score and I was already approved. The last wasnt helpful and stated this happens often. I feel something needs to be said. This is a scam

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 2024-06-26 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-26 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per XXXX XXXX XXXX. 
Despite following the correct procedures and citing my rights under the XXXX XXXX XXXX, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: NC

Complaint narrative:
This is in reference to the previous complaint CFPB RE : ID # XXXX I asked this company in this complaint to send me a copy of the signed notification giving me proper notification of this debt with my name and signature on it of which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-26 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a XXXX from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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