vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on XXXX i sent a response and billing error dispute for the adverse action taken to my account which i did not not consent or authorize them to do so. They never responded to my letter PayPal credit and synchrony bank is in violation of 15usc1691 ( a ) ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ; because the applicant has in good faith exercised any right under this chapter. 
They stated they used information from my XXXX consumer report which i never gave them written consent or authorization to do so they said they pulled my consumer report on XXXX but according to my XXXX report it says they pulled the report on XXXX .which is after you synchrony bank already made your decision to deny me my own credit which organization is lying about the dates?.. This inconsistency is not only false and misleading, but also displays fraudulent and deceitful credit card practices.In light of these serious concerns, I am not requesting but demanding the immediate reinstatement of my XXXX $ PayPal Credit limit. I extended the credit for the account ending in XXXX, and it is imperative that you honor it. 
Furthermore I noticed an error on my billing statements stating that i allegedy owe {$270.00}. it currently reflect a positive balance, is it implying that I am being compensated? it raises significant concerns about the accuracy and transparency of the billing information provided.If, as alleged, I owe a certain amount or alleged Debt, the balance on my billing statements should logically reflect a negative amount to accurately represent the alleged outstanding debt. The current positive balance is not only misleading but also creates confusion about the actual status of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX  XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


Hard Inquiries : 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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
My account was frozen due to action that violated the Venmo user agreement. I still dont understand why it was closed. They froze it and told me I had to send in my photo id and that I had to wait 7 days for a response l. I waited the 7 days and the sent a email saying they are permanently closing my account. I have XXXX from my tax refund this year. I have the transactions on the account to prove it. I also was get my paychecks from work deposited into the Venmo account as well. Now they are saying I have to wait XXXX u til I could access my funds. I have XXXX XXXX  I pay market rent I cant afford to wait 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Klarna AB
State: MI

Complaint narrative:
Complaint XXXX was submitted on XX/XX/year> against XXXX and Klarna. Klarna did not provide proper disclosure that a hard inquiry would be made on my consumer report through XXXX. 

Klarna has not responded. 

XXXX responded on XX/XX/year>. It is now XX/XX/year> ; More than 30 days have lapsed and the inquiry must now be removed as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
MRS BPO sent me a letter in the US Postal mail saying that XXXX XXXX had transferred debt to MRS BPO for collection for {$1000.00}. I do not owe XXXX any money and there are no transactions during this time period with XXXX.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove the account from my credit report it is hurting my ability to obtain credit.

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 2024-02-28 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Block the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}. Please remove this fraudulent account ASAP.

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 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: NV

Complaint narrative:
A phone number with a California area code called me on XX/XX/XXXX in the morning, he said he was a debt collector and the call is being recorded, he asked for my name. He continued to say i owe recent towing charges on a car i sold in XXXX ( 4 years ago ). He said its XXXX $ for a towing company, i told him i sold it legally and i have a signed bill of sale with signatures and dates. He said its because i did not have a smog certificate when i sold it, i told him it was smogged and had certs the year i sold it in XXXX. He was very aggressive and said 3 times in a row " you dont care about your credit? '' these were real red flags. i told him i will not pay as this is not my debt. I told him to send me a letter, he said they did send a letter but it was to my old address, he said its not their fault the address was wrong. I gave him my current mailing address to mail a letter so i could see it, he took the address. I asked if i could email them about this because i wanted to see this in writing, he said they dont work like that? another red flag. This sounds like a scam. the website of the so called company did not even have a section where i could review my bill? only a " make payment '' section. The man sounded very uneducated and a lowlife. This must be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunnova Energy Corporation
State: CO

Complaint narrative:
XXXX XXXX XXXX, a billing company for SunNova Energy call me EVERY month if the check is even 1 day late. Their address is XXXX # XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. I have had checks take longer than anticipated to arrive and they call me and harass me to let them take the payment over the phone. I mail checks to this company as I do not want to pay the additional credit card fees to pay by credit card. My bill printed with a date XX/XX/year> FOR {$8.00} arrived on XX/XX/XXXX, and we wrote a check and mailed it the SAME DAY. On XX/XX/XXXX, because they did not have a check they called me at XXXX. When I told the woman that the check was already mailed she insisted that I needed to pay the 4 day over due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried retrieving cash from my checking account at 5 banking locations from ATM on Sunday morning XX/XX/year> and none of them had cash available for disbursement. 

The locations were as follows XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account listed on my credit report as XXXX does not belong to me and includes conflicting information violating my consumer rights. 1 ) the account is not mine and Ive provided a police report and FTC report in the last dispute 2 ) the account has conflicting information stating it is a charge off 3 ) the account states you have 100 % of this loan left to pay 4 ) the account states youve made 100 % of payments for this account on time 5 ) the account states there is a balance of {$6100.00}. The account has conflicting information and charge off and closed accounts are not supposed to show any balance owed according to the law in which this account currently does. Also, this account is fraudulent. Remove this account from my credit report as it is effecting my credit profie, has conflicting information and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}

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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : 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 non-monetary relief
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-02-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX Open Date : XXXXXXXX XXXX XXXX Balance : {$0.00}. Please remove.

Company response to consumer: Closed with non-monetary relief