vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : XXXX XXXX : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations Required in My Credit Report Dear Equifax, I trust this message finds you well. I'm writing urgently to address significant discrepancies in my credit report that blatantly contradict the Fair Credit Reporting Act ( FCRA ) guidelines. After meticulous review, it's apparent that several errors persist within my credit profile, signaling a notable oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a critical federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably reflected in my recent denial for extended credit, arising from errors originating from your agency. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



I urgently implore swift action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may compel me to explore further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The past XX/XX/XXXX I was contacted via XXXXXXXX XXXX  from a person that is like family requesting a transfer of {$180.00} to be paid via XXXX XXXX to another person named XXXX XXXX to the number XXXX. After the transfer were made I reach out to the person to confirm that the transfer were made and in that moment I was informed that the XXXX was hacked and the real person was not the one requesting the transfer. 

I contacted Banco Popular on XX/XX/XXXX to explain the situation and raise a claim but they open the claim as a no authorized transaction and resolved the claim stating that the transfer was authorized because was made from my main phone number. Clearly this resolution do not fit to my claim. I called the back to reevaluate the claim but the answered with the same resolution. 

In the first call the person who take the claim informed me that was more transactions with the same amount received to the same number where I sent my transfer what confirms me that i was a victim of scam scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
Synchrony Bank decided without my consent to close two credit cards I had paid off ( XXXX XXXX and XXXX ) and gave me no reason why they closed them. On another account ( Carecredit ) they decided to decrease my credit limit, even though I have always paid on time and have not skipped any payments. I am a member of the military and I believe these are unfair business practices which affect the fulfillment of basic living needs.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
This has happened twice, last month in XX/XX/2023 and this month of XXXX, the problem is making a payment. I usually make my monthly payment before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend. I paid early my monthly payment for XX/XX/XXXX due date on the XXXX with my new prepaid debit card issued by XXXX XXXX. through their retailer, PLS, my payroll and my son 's SSI and XXXX  pay goes to the account in my name as I am his authorized payee. Discover card never told me I couldn't use the prepaid card to make a payment, I just so happened looked to see if the payment posted on the XXXX and it had not but a notice of a return payment fee had been applied as well as a late fee, {$40.00} and {$30.00} respectively, for a total of {$70.00} which decreased my available credit and notated my account with a late payment. Next day, the XXXX, I immediately went to the PLS Check Cashiers and made the payment at the store through bill pay. 

I contacted the customer service line, an Agent then told me I couldn't use my prepaid card, the number or routing and account number to make a payment but would remove the total {$70.00} in fees from my account NEXT BILLING CYCLE! 

The information stating that the cardholder had to use a big bank was nowhere on the application information section and now I run the risk of being reported as a late payment when in actual I paid early then paid again on the due date once the original payment was rejected via a method that was supposedly authorized but they just didn't process the bill payment until several days after the XXXX, my due date but I had my receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: MO

Complaint narrative:
Ive checked my credit report recently and noticed unauthorized inquiries on my report.

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 2023-12-19 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: MO

Complaint narrative:
Ive checked my credit report recently and noticed unauthorized inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies Experian and XXXX. 
For over at least 1 month I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FRCA, neither agency upheld their legal obligations to properly handle multiple disputes. 
Experian and XXXX merely stated the debts were 'verified ' yet failed to ever provide a single original document proving these accounts belong to me or that I owe the reported balances. 
I am requesting the CFPB open an immediate investigation into Experian and XXXX for their blatant and ongoing disregard of 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18 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: TN

Complaint narrative:
Please see attached documments. Do not close this complaint stating it is not me. I am a naural person and 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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America decided to close my account for no reason while I had several disputed pending against the reason why my account was in a negative balance. They were allowing someone access into my account by not removing the number ending in XXXX from my sign-in verification after I had removed the number from my account. They were giving other people access into my account. They lied about a check being deposited on XX/XX/XXXX, which I had disputed before it even deposited so I can assure you that check was never deposited into my account. The check was fraudulent and I did not deposit it which is why I disputed the check that was deposited into my account. Now Bank of America is stealing money from my dispute resolutions knowing lying saying that the check deposited on the XXXX when that check never deposited into my account. They only closed my account to stop me from getting the money I am entitled to. I want my money back they stole, and I'm ending my banking relationship with them.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
This Complaint is in reference to FCRA Section 623 ( a ) ( 1 ) ( C ) & CA Civ Code 1785.25 ( 2022 ) Proof of Inaccurate and Misleading Credit Reporting From One 3rd party Collection Agency reported as an Original Creditor of which they aren't, Paramount Recovery Systems acquired the XXXX XXXX account from XXXX XXXX XXXX XXXX XXXX After which Paramount Recovery deliberately and knowing Posted inaccurate Information to my Credit file, Please review the attachments as proof of the of this FCRA Violation, A 609 Letter has been generated to be sent by mail in regard this to matter to PARAMOUNT RECOVERY SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: FL

Complaint narrative:
Im begging you please remove this to the credit report

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 2023-12-18 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: MO

Complaint narrative:
As usual right before XXXX experian notified me that they closed XXXX complaint while continuing to work on the issue on another. THEYARE THE SAME THEY DID 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 2023-12-19 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: NY

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: IN

Complaint narrative:
In re XXXX XXXX XXXX XXXX reports showing adverse activity with Sallie Mae, a private XXXX loan lender. 

2 accounts : 1. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, Sallie Mae has augmented the payment history to re-age the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Marcus by Goldman Sachs gave no notice to their customers that they would sell off their loans to another servicer. I found out I am caught by surprise and they have now added more challenging work on the customer to get the transparency they deserve about their loan. If one elects paperless, one should still have access to legacy statements from prior months if their customers need to reference them.

Ever since Marcus by Goldman Sachs sold off my loan- which was literally within the last two weeks possibly ( early XX/XX/2023 ), I can't get access to my prior statements from the Marcus by Goldman Sachs online portal. If we were supposed to save those statements prior to Marcus selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the Marcus by Goldman Sachs online portal.

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the XXXX website. I have no statement visibility via my online account in Marcus by Goldman Sachs online banking portal. 

XXXX 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. XXXX 's online portal is so terrible that it looks like an interface from the late XXXX XXXX. Not user friendly and hard to navigate to even find their data privacy notice. 

Marcus by Goldman Sachs should've worked in tandem with SST to ensure an effective transfer of the loan, which includes full transparency into my statements from the inception of this loan.

When one agrees to paperless statements and then transfer the management of my loan to some other unknown financial institution WITHOUT my ability to have any control over the decision and one can not see any statements, how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with XXXX or Marcus by Goldman Sachs.

This transfer of my loan to XXXX by Marcus by Goldman Sachs was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via XXXX 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. 

Even though Marcus sold off the loan, they should still be held accountable to ensure we ( the customer ) receive sufficient paperwork or loan statements to assist us with the transition to the new servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a refund from XXXX XXXX in the amount of {$740.00}. However capital One venture card decided to take {$200.00} of that I dont know why they they left me with {$590.00} how is it they have a right to do that whats next theyre gon na go into my card that I paid my bill with and help themselves? this is preposterous I wasnt expecting it I want that {$200.00} back. I pay my bill all the time Im never late ever ever ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM WRITING IN REGARDS TO THE FRAUDULANT ACCOUNT BEING REPORTED TO MY CONSUMER REPORT UNDER 15 USC 1681c-2 ( blocking of information ) I also filed an etc report in regards to this problem. 

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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted this company numerous times to report unknown and inaccurate accounts and they violated my 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 2023-12-18 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: NC

Complaint narrative:
I contacted this company numerous times to report unknown and inaccurate accounts and they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
My consumer rights are being violated by Spring Oak Capital they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to Spring Oak Captial on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act. 

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act XX/XX/1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC
State: NH

Complaint narrative:
I sent XXXX dollars on XX/XX/XXXX XXXX to my family in XXXX XXXX and after 3 days, they told that they cant reach my family account, them I ask for my money back, and today is XX/XX/XXXX and I try to contact them and I dont get my money back.

Company response to consumer: Closed with explanation