vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding SYNCB 's misleading promotion of their prequalification process, which falsely assures customers that it involves a soft pull and will not affect their credit. Despite these assurances, SYNCB recently conducted a hard inquiry on my XXXX credit file when I applied using their prequalification process. 

SYNCB has been promoting its prequalification process to customers, encouraging them to apply with the assurance that it involves only a soft pull and will not impact their credit. However, contrary to these assurances, SYNCB recently checked my XXXX credit file for an installment loan or new bank account, resulting in a hard inquiry being placed on my credit file. 

This misleading promotion of the prequalification process has caused significant harm by falsely leading customers to believe that their credit would not be affected when applying. As a result, many customers, including myself, have been misled into consenting to a credit check that negatively impacts their credit score and credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the following concerns : 1. **Misleading Promotion : ** SYNCB 's promotion of its prequalification process falsely assures customers that it involves only a soft pull and will not affect their credit, leading to customer deception and confusion. 

2. **Unauthorized Hard Inquiry : ** Despite assurances of a soft pull, SYNCB conducted a hard inquiry on my XXXX credit file without my explicit consent or knowledge when I applied using their prequalification process. 

XXXX. **Consumer Harm : ** The misleading promotion of the prequalification process has caused harm to consumers by falsely leading them to believe that their credit would not be affected when applying, resulting in negative impacts on credit scores and credit reports. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with consumer protection regulations. Specifically, I request the following : - Verification of SYNCB 's promotion of the prequalification process and confirmation of the misleading assurances regarding soft pulls and credit impacts. 
- Enforcement of regulations to prevent deceptive advertising practices and protect consumers from unauthorized credit inquiries. 

Please find below the details of the promotion : Source : XXXX XXXX : SYNCB Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed these accounts that does not belong to me.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion, XXXX, and XXXX, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

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 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 2024-05-13 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Dear XXXX, XXXX, and Equifax, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

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 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs is saying I closed account. I did not close this account. They sold acct to a new company. I want this removed. It has caused my score to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
SEE ATTTACHED DOCUMENTS

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
ACCOUNT WAS OPENED AND WITHOUT MY CONSENT OR WRITTEN PERMISSION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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. 

XXXX XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2024-05-13 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: 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. 

XXXX XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I Brought my loan current and was told that a defferment will be for the month of XX/XX/2024 payment and was reported late on my credit reports with all credit bureaus! 

I paid Mariner {$940.00} on XX/XX/XXXX, {$190.00}. On XX/XX/2024 I paid {$750.00} dollars and agreed to a defferal payment agreement for the mont of XX/XX/2024 that will bring my loan as current! Nevertheless they refuse to honor a signed agreement for the defferal in whiched I was chaged {$14.00} on XX/XX/2024. 

I filed a complaint with Mariner Customer Support Office on XX/XX/2024 in XXXX, Maryland and was advised that someone will contat me. On XXXX, 2024 XXXX XXXX XXXX, I spoke with the branch manager - XXXX who refused to honor the signed agreement and also refuse to remove the lateness for XX/XX/2024 off my credit reports moving forward since I'm Currently being reported as current with all reporting credit agencies!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
this was paid and and I told them it's still showing a balance on my credit report and even report to the creditors with proof and still nothing.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MA

Complaint narrative:
There are fraudulent inquiries in my report that i wanted to remove. Please help me remove them as they are really hurting my credit. Thank you. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX  inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am the personal representative for my deceased XXXX Bank of America account, there were numerous checks written out of her account with forged signatures while she was in the end stages of life as well as as an agent assisted transfer of a CD in the Amount of XX/XX/XXXX {$51000.00} which I am POD on XX/XX/XXXX went into hospital XX/XX/XXXX Deceased Date Check # Amount Name XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX CD 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 monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
Hello, my name is XXXX XXXX. I co-signed a loan with XXXX XXXX at a XXXX dealership. On XX/XX/XXXX, we opened a loan agreement with Chrysler Financial in the amount of {$33000.00}. It has an APR of 21.53 % As of XX/XX/XXXX, we owe {$25000.00}. Our monthly payments are {$840.00}. Regardless of interest, paying {$840.00} just shy of 6 years, This company will have made {$61000.00}. That is equivalent of 2 brand new cars that we have given this company. 

At the rate things are going, we will hand them at least another 3 brand new cars. I have pleaded and pleaded with Chrysler financial, and there is nothing they can do. This loan is so upside down that no one wants to touch it for refinancing. If it does get refinanced, me and XXXXXXXX XXXX are divorced. Her credit is horrible, so I would have to refinance it making my names still on the loan. 

In the meantime, this secondary auto loan is holding me back from a mortgage. Please help me with this predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My complaint is against Venmo. I've been interacting with them for XXXX  months and provided a large amount of data as they requested. Venmo transferred {$2200.00} to XXXX XXXX Headquarters for the purchase of a used engine. I did not get what I ordered and sent back the item. The merchant will not communicate with me so I requested Venmo retrieve my funds. Venmo closed my case XXXX times, the most recent closure was yesterday. They stated case does not meet the definition of " Significantly Not as Described. '' Venmo went through the motions of trying to retrieve my funds but following most interecations with them, told me I didnt have enough of or the correct type of information. My original transaction was XX/XX/year> for {$2200.00}. As of today I have no money or goods. 
I have uploaded a significant of of data. Venmo has had this data for quite some time. It is concise and clear. I will provide you with any additional information you deem as helpful. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was XXXX and physical y unable to make transactions. Fraud occured and the back denies my claim repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
The company contacted me via text on XX/XX/2024 Without telling me they were a debt collector attempting to collect a debt. This is a direct violation of 15 U.S. Code 1692e ( 11 ) which states " ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TN

Complaint narrative:
Hard InquiryXXXX XXXX I am writing this letter for the FOURTH TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the PREVIOUS active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX XXXXetter confirmation of fraud. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. XXXX hard inquiry on XX/XX/year> I did not submit nor authorize any inquiries from XXXX. I have XXXX open accounts or connections to this institution- plus I have already disputed this issue and it was initially removed, so why is the inquiry back again?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This company still reporting inaccurate information on my XXXX XXXX consumer credit report. I don't have any contract with this collection agency " Professional Debt Mediation, As per FCRA guidelines reporting 6 years ignore my dispute this account in my consumer credit report is a collection activity. therefore, you are in violation under XXXX XXXX XXXX XXXX  Collection of extensions of credit Under ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this alleged account in my credit report is a form of punishment and hurts my chances of improving my living situation. CORRECT THIS REPORTING IMMEDIATELY. DELETE this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief