vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Applied for an American Express business credit card on XX/XX/XXXX. Was solicited several months during XXXX and early XXXX by American Express for a pre-approved offer by the company for my business, XXXX XXXX XXXX. I applied for the American Express XXXX XXXX XXXX XXXX. I attempted to accept this offer by applying and was denied. I do not have a fraud alert on my credit report, both my business and personal credit scores are excellent, my XXXX  is currently at above XXXX across the board. This doesn't make any sense. Of all reasons to be denied for a credit card, my credit score would never be a reason or factor for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete 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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I purchased some trading cards from XXXX XXXX XXXX last month. In the month of XXXX. I received the cards and they were all factory damaged like cards that were suppose to be disposed of. They sold them to me and I called XXXX XXXX XXXX to get a refund or replacement. They said no that I would have to call panini, the manufacturers of the cards. So I did and was told to send them I did and they sent them back and they refused to replace the cards and was told to call XXXX XXXX XXXX. They told me they weren't going to refund me and called XXXX  yet again. They told me to call my credit card company. So I did. Discover was the credit company. I opened disputes and they said that transactions are valid. I explained why I should get a refund but they didn't care do to the no refund policy. But that shouldn't apply if I get a bunch of cards that have so much damage to them all they are good for is firewood. 90 % of the cards are damaged. Like I stated earlier, they package they rejected cards off the line and i received them. The seller nor the manufacturer would help me. Kinda telling me " we ripped you off and what '' please assist with this. I'm out over $ XXXX. 
Discover credit card {$930.00} XX/XX/2023 {$820.00} XX/XX/2023 {$310.00} XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: IL

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.

The letters are stated with items and issues.

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 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: 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 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent in a dispute to this company in regards to accounts that should not be on my credit report. I also submitted identification and my FTC report. The account appeared on my credit report a few days later as not in dispute anymore ( updated ) but I had not received any notification of such, nor did I receive any investigation results. I called in on XX/XX/2023 to put the account back into dispute and to block it from my credit report. The representative said that she completed the dispute and attached my documentation. On XX/XX/2023, I received several emails stating that in order for my information to be blocked that I needed to submit the documents ( FTC report, identification, bill... ), so I called in this afternoon over XXXX times, only to get transferred and put on hold over and over. Then I was told that they do not have my documents, even though I have been submitting it over and over and disputing with this company over a year now about fraudulent information on my report. This is mentally exhausting to have to continuously go through this about my information and my life.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
RENTRECOVERYSOLUTIONS {$5400.00} XX/XX/2023 I disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have exhibits attached in the upload section please review, and my vehicle was illegally repossessed from private property the contract that was misled and delivered in a deceptive way to me as a consumer it was never a loan. It was a consumer credit transaction, and now they steal my property from my property without legal order without providing any proof of their claim that they are in fact, legally able to threaten or take any of my property I need proof that the law states that thats OK and also the identity theft to furnish my information to non-public third parties thats illegal and all I know that my rights have been violated OK and I am a victim of identity theft and I have damages and theyve injured me and I need my vehicle back and I want to go ahead and pursue charges and I do not want this company reporting any negative information on my consumer reports as that is against the law I have all of the codes I have all the regulations according to law Ive already emailed them. Ive sent them certified mail of dispute, requests and theyve failed to respond, Ive also called many times and got it on recording calls that I am requesting these items, but they will not give them to me. I need a full accounting, step statement, ledger, showing the history of the full account, including the on and off ledger for the public on the private side I need every single accounting every single transaction, every single letter every single notice every single correspondence every single statement bill payment receipt invoice, any disclosures that I know that Im supposed to have as a consumer I need wet signatures on everything. I need a wet signature on my application which is the funds and I need to have capital one and XXXX proved to me with visible proof and that that I am the debtor and I am responsible for the double dipping of this transaction, and I need all everything mailed to me at my address which Ive provided and I need capital one XXXX XXXX, credit and capital one auto finance in XXXX XXXX XXXX to send me a copy of the contract and application and prove to me that they gave me alone written proof that they gave me alone and I need the written consent form that they were able to furnish my personal information and I need my property back tomorrow morning theres damages and we have an invoice so lets move forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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 accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP
State: OR

Complaint narrative:
My credit report showed a derogatory remark of about {$4000.00} to XXXX XXXX. When I called them on Friday XX/XX/XXXX they wouldn't discuss it with me. They said To call Mandarich Law Firm at XXXX, which I did. I was told it was from a credit card in XXXX that I am unaware of. I offered to give them {$1000.00} to get rid of it, but they declined. Since it was so old I said I would just wait until next year when it would drop off my report. 
Today XXXXMandarich called me and said that they would take {$2600.00} to settle the account. I explained that I can not do that. I am XXXX yrs old, retired on XXXX XXXX. I rent my apartment, own no property, and have only enough money in the bank to pay my livine expenses. He told me this was judgment and that it would stay on my report forever. This was the first I heard of this. He said I was served in XXXX, which is a lie. I think I was living in Arizona at that time when the original debt happened, though I don't remember it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank has closed my value city credit card account, which has also removed my ability to pay, unless paid via a phone call all access to payment functions online and in the app have been removed. O would like to ensure that they are not allowed to mark my account delinquent.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: WI

Complaint narrative:
Credit Karma website advertises that I am prequalified for almost all the credit cards listed on there. When I tried to obtain one, I was denied and no reason was provided as to why that was. That hurt my XXXX XXXX in turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Experian is in non-compliance and illegally reporting Inaccurate false information About me the following alleged accounts are listed as collection And updated With past due balances XXXX XXXX XXXX Is claiming past due balance of {$1200.00} As of XX/XX/2023 XXXX XXXX and XXXX Is cleaning a past due balance of {$530.00} as XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
XXXX car rental sent me a letter notifying that I had a truck rental that was not returned in XX/XX/2023. When I saw this notification I immediately outreached to XXXX to let them know that I had not rented a truck and had never been in their store, the manager acknowledged the concern. I had some other identity theft issues the same month so I filed for a police report while waiting for next steps from XXXX. A few weeks later I received a bill that noted that I had some outstanding fees upon return of the truck rental. Again I contacted XXXX and they noted that they would outreach to corporate to let them know. And again acknowledged my fraud case. Then in XXXX, I received another bill from XXXX, again I contacted XXXX where they acknowledged my fraud case and notes that they would send to corporate and not to worry. I sent an email to the employee with the police report and left it at that. Then end of XXXX I received a notice for collections, I outreached to the agency to tell them the issue and they noted that XXXX sent over 5 invoices that I owed, for the issue to stop I would need to outreach to XXXX again to let them know again so that the root cause would be fixed. So then I outreached to the last employee I spoke to and he noted I needed to outreach to the district manager and gave me a phone number. I tried calling the number and there was no voicemail or time that they would be available. Unsure of what to do next as Ive outreached to XXXX multiple times regarding a fraud and identity theft where they are acknowledging yet still are pursuing my collections and payment wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES
State: WA

Complaint narrative:
I am writing to express my grave concerns and to file a formal complaint against XXXX XXXX, their legal representation, Zwicker & Associates, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with XXXX XXXX of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of XXXX XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to Zwicker & Associates, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when Zwicker & Associates took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and Zwicker & Associates ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Victim of Identity theft and leaked data. 

Unknown inquiries posted to credit profile

Company response to consumer: Closed with non-monetary relief