vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have paid my bill by the XXXX or XXXX every month, its due on the XXXX. 
I have actively paid my bill down after using it to make a big purchase for my home. 
I was never notified they were closing my account. 
I was sent a new credit card to activate at the end of XXXX for Lowes. 
When i went to sign in and pay my bill yesterday, the account had an alert that it was closed. 
I immediately called after work and the woman i spoke with said there was no letter on file in my account and put me on hold for over 10 minutes while she " looked for it. '' I was then told that even though i have made every payment, they ( being synchrony ) just decided to close it based on my credit score. 
My credit score has not changed negatively since having this card. 
They are supposedly " resending '' the account closure letter to me. 
I haven't even had this card a year yet- this is predatory. Telling me my credit looks bad so cancel my card... making it work? In addition to the utter lack of professionalism and zero communication.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2024 I received a deposit from the IRS {$8700.00} And my phone was stolen along with my driver license etc my account was fraudulently used to withdraw money the hackers had used my temporary debit card and added it to XXXX XXXX  I do not even have a XXXX product or device I explained this to chime while I disputed the charges and explained they are without my consent chime bank did not refund any of my funds back chime failed to protect my consumer rights and refund my full amount that was stolen in which my attorney have sent chime bank a intent to sue if my funds are not refunded back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX 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 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 2024-05-02 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX 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 2024-05-02 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
I have been disputing items on my credit file for over 6 months now and have not got a solution. The CREDIT BUREAU, does not acknowledge the government issued identity theft report I sent in over 3 times for the same accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DOES BUSINESS UNDER NAME XXXX XXXX XXXX and this company will put debt on credit file after its been deleted under the opposite business name THIS CREDIT BUREAU has allowed this company to continually report to my credit report after I have informed them that this is not my item and it is identity theft. THIS CREDIT BUREAU HAS VIOLATED MY RIGHT FCRA USC 1681. 
THIS CREDIT BUREAU has not acknowledged my request to block these creditors, after repeated demands. 
THIS CREDIT BUREAU HAS VIOLATED MY RIGHTS ACCORDING TO FCRA, allowing knowingly false information to be tied to my credit file THIS CREDIT BUREAU DID NOT INVESTIGATE PROPERLY ONLY TOOK 2 days for dispute to complete

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 2024-05-02 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 have been disputing items on my credit file for over 6 months now and have not got a solution. The CREDIT BUREAU, does not acknowledge the government issued identity theft report I sent in over 3 times for the same accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DOES BUSINESS UNDER NAME XXXX XXXX XXXX and this company will put debt on credit file after its been deleted under the opposite business name THIS CREDIT BUREAU has allowed this company to continually report to my credit report after I have informed them that this is not my item and it is identity theft. THIS CREDIT BUREAU HAS VIOLATED MY RIGHT FCRA USC 1681. 
THIS CREDIT BUREAU has not acknowledged my request to block these creditors, after repeated demands. 
THIS CREDIT BUREAU HAS VIOLATED MY RIGHTS ACCORDING TO FCRA, allowing knowingly false information to be tied to my credit file THIS CREDIT BUREAU DID NOT INVESTIGATE PROPERLY ONLY TOOK 2 days for dispute to complete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: GA

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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2024-05-02 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: MN

Complaint narrative:
Who : Equifax XXXX XXXX who refused to delete negative info on credit file : XXXX XXXX XXXX XXXX XXXX XXXX What : 2 collection accounts are closed. 
( see attachment ) XX/XX/24, XX/XX/24. 
Called Equifax requesting collection info be deleted. 
Equifax agents refused to delete negative info from credit file. I shared with them that my request was in accordance with FCRA. I referred them to the supporting statements of the FCRA, to have correct info reported and incorrect info deleted from my credit file. Each Equifax agent still refused to delete negative info from credit file. 

When : XX/XX/24 Where : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Why : Agents refused saying info would remain on credit report per Equifax policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: WI

Complaint narrative:
I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with Portfolio Recoveries Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to Transunion on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks

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 2024-05-02 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 noticed that I received an inquiry on my credit report. For a XXXXXXXX XXXX credit card. I asked the credit bureau to to remove it, and the address that was associated with my credit report because of the inquiry. The bureau TransUnion has done nothing to remove it. 
TransUnion please remove : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX I have no association with this address, please remove from my 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 2024-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect Address - 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Requested information on the " School Misconduct Discharge '' letter that NAVIENT has been sending to others from my school, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. They have been unable to provide any information to me about this. This is in regard to my wife 's private loan that I am currently a cosigner on. 

We both filed borrower defense to repayments for our debt and the federal debts are in the process of being discharged, refunded, and credit repaired, however, we need to apply for the private debt discharge via this method as well, since our school has been found to have been grossly negligent and has a long history of misconduct. 

Thank you for helping us look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I opened a XXXX  month CD in XXXX, XXXX. I opted NOT to roll over at maturation. The CD matured approximately XX/XX/XXXX and disappeared from my online banking portal. The funds did not appear in any of my accounts. I received no written correspondence from Bank of Albuquerque ( subsidiary of Bank of Oklahoma ). On XX/XX/XXXX or XX/XX/XXXX, someone identifying themselves as being from XXXX called my cell phone and spoke with my husband asking where the funds were to be deposited. He confirmed into my personal checking account. They didn't ask for any personal or identifying information and he didn't provide any. I have since confirmed with Bank of ABQ that they did place the call. 

As of XX/XX/XXXX, my funds are still not available. I called the only phone number available which turned out to be XXXX XXXX. They initially tried to tell me they couldn't help me and provided no other means to resolve the issue and locate my funds. I pushed on them and they said they transferred me to the " branch '' that had called me. ( They could apparently see a call in the records. ) I was connected with someone named XXXX. She was combative and unhelpful from the beginning, claiming there was nothing she could do. She then agreed to " verify my account '' by sending me a text. I work in a secure government facility and cell phones are not allowed. My office phone is also connected to my accounts for this reason, but she refused to call it or acknowledge it was listed. She put me on hold to " talk to her supervisor ''. After XXXX minutes on hold, she disconnected the call. It also turns out that XXXX is not a branch of Bank of Albuquerque but is in XXXX, Oklahoma at the Bank of Oklahoma ( parent company ) offices. 

I found a number for a local branch branch of Bank of Albuquerque and the person there found a " XXXX '' via their instant message and contacted her. I was connected to XXXX again and she said she couldn't figure out anything about how to resolve this but maybe someone named XXXX could. XXXX was in compliance, but was not available. XXXX would have to call me back ... at some undefined time... on my cell phone -- that I can't have access to during business hours. XXXX told me I wouldn't be able to resolve this locally at a branch, that XXXX would not schedule a time to call and told me that waiting for XXXX to call at some undefined time was the only way to get my funds. 

As of today, the CD matured XXXX  days ago, and I can't access my money or find a path to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: LA

Complaint narrative:
: Subject : Complaint Regarding Ntl Recovery Agency and Potential HIPAA Violation Dear [ CFPB ], I am writing to file a complaint against Ntl Recovery Agency regarding their collection practices. I welieve they may be violating the Health Insurance Portability and Accountability Act ( HIPAA ) by sharing my medical information without my consent. 
Here are the specific concerns I have : Unauthorized Disclosure of Medical Information : Ntl Recovery Agency has allegedly shared my medical information with someone without my prior authorization. 
Privacy Concerns : I am concerned about the privacy of my medical recods and want to ensure they are handled appropriately. 
Missing Five-Day Notice : I never received the required five-day notice before any collection activities began. 
I would appreciate it if you could investigate this isue and you have 15 days to respond or your is acquiescence. 

Thank you for your time and assistanc. 
Sincerely, [ 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 2024-05-02 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: FL

Complaint narrative:
Theres hard inquiries on my credit report for XXXX, TransUnion and XXXX. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my 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 explanation