vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/2024, I filed for a Discover personal loan in the amount of {$8300.00}. On XX/XX/2024, I called XXXX after rereading the Discover notification email. Despite submitting three months of bank statements, the customer representative commented that someone had marked I had not. After twenty minutes, he stated that the application could not be processed anyway without a copy of my social security card. Since my social security card was in my safety deposit box, this was not possible. If only someone had informed me before the safety deposit box location closed for the night, I could have done something. 

Why do I receive Discover personal loans mail solicitations that fail to mention I need a photograph of my social security card for the application process? Why did Discover accept my application without a necessary ID document? Why was my application marked as not having bank statements instead of a picture of my social security card? Why is there no alternative document for a picture of my social security card? Why would a W2 not be acceptable?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have no knowledge of this account, JEFFERSON CAPITAL, ACCT # XXXX, but it is being reported on my credit report. It has been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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. I would like this DELETED FROM MY CREDIT REPORT as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-21 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A purchase was made and the item received were all damaged. The company would not pay for the return fee. And the card told me they would dispute the charges. I was told that I should not pay the bill and they would handle the refund to my account. Months later, the put a nonpayment alert on my credit with damage my credit, after the assured me that the would handle the refund on my behalf. SYNCB/PPC 30 DAYS LATE Credit Cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX. I was told the claim was automatically denied because the bank wants to be spiteful by not processing my claims by assuming I did make these transactions. There is no proof of these assumptions. Its just an excuse by Bank of America claims department, not to process claim and not inform me of the claim in hopes by them that I will forget.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit 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: U.S. BANCORP
State: CO

Complaint narrative:
In XXXX I feel for a scam that has to do with XXXX XXXX. I clicked on the top result on XXXX and filled out my form and credit card info. The fee was {$250.00}. I thought that was a bit high, but then I filled out my boyfriends form and he entered his credit card and immediately got a fraud alert from his bank XXXX. I thought that was weird. Then looked more into it. Its because it IS a fraud company. So his bank blocked the charge. US Bank didnt even warn me. XXXX XXXX costs {$100.00}. This company is just taking peoples money to apply for them, while having the passport, the drivers license, the credit card. I immediately called US Bank after it happened, and assumed it would be resolved pretty quickly as it was on a credit card too and theyre obviously a scam, especially if XXXX caught it. I waited a few weeks and saw they gave the money to the scam company. This scam company changed their business name within that 3 week period. Is that not a huge red flag? When it said why they sided with that company, its because they never received my response. I called them and of course the agent was super rude, because everyone who works here treats you like XXXX XXXX XXXXXXXX for caring about YOUR money that THEY ARE HOLDING. The agent said its because I never filled out the paper work they sent me. I never received ANY paper work in the mail. The only letter I got from them was a you lost, scam company wins letter. Seriously? Why cant this be done digitally? Because they dont want to deal with it. They want to make it as hard as possible to get YOUR money back. I am extremely fed up with US Bank, I already closed all my accounts, but this dispute thing I would like to have resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX I contacted Navy Federal Credit with questions regarding cash-out refinancing. I explaining to the representative my prior equity line loans with Navy Federal and how one of my equity loans went to collections and come to find out the allot from my paycheck was never applied to that loan and I had {$10000.00} just sitting out there. Fast forward everything was taking care the derogatory reports dropped off my credit reports two years ago. I tried applying for a credit card and was denied. Again, poor credit performance but I got a credit card with my other banking institution and XXXX XXXX. And all three credit bureaus have me as having excellent credit scores. 

The mortgage representative said let 's apply and see what happens. He would have to do a soft credit report to see if I qualified. I unlocked my credit reports and I was preapproved to proceed to a loan officer and a hard inquiry would be pulled from the credit bureau and of course my score would decrease. The next step a loan officer sent me an email and I received documents via XXXX. I had a few questions contacted the loan officer and she answer my questions. I sent my documents back via XXXX on XX/XX/XXXX. On that same day when the loan officer received the documents the credit denial letter had the same date and it was mailed on the XXXX, XXXX. Why put me through all of this process if they knew the were going to deny my application. I tried calling a couple of times left a voice message and no one has yet called me back explaining poor credit performance with navy federal. Yet, my current equity is paid up until XX/XX/XXXX and I am still making the monthly payments on time. I just applied for credit from two companies and was approved. I also, feel as though I am being racially denied an equity loan. I am aware of the lawsuits against Navy federal denying mortgage loans to XXXX XXXX XXXX XXXX XXXX. I just want an explanation on why I being denied credit when all three credit reports say otherwise. I am including all of that in my documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This Aargon company has false claim posted on my credit profiles cropping my score of XXXX points with no agreement with me as I do not know them or owe anyone as it was proven by my bank on XX/XX/XXXX that I did not authorize XXXX to take monies from my account as there was no documents to support XXXX during the investigation in which I was found to be correct as no documents supported XXXX claim. In XXXX of XXXX XXXX XXXX  made this assertion on my credit profile for {$300.00} for XXXX on XXXX under account XXXX. On XX/XX/XXXX is was deleted due to the letter from the bank I sent in to show proof I was refunded after an almost 2 month long investigation by the bank. Now Aargon Collection under account XXXX {$300.00} for XXXX again less than a year later in late XXXX XXXX XXXX  called and even emailed my personal email demanding monies for a false claim proven to be false by my bank 's accumulation of evidence which showed I signed no nothing for any contract/agreement with XXXX and thus was refunded by my bank with the amount the bank could recover as I never got all my money back only {$240.00}. On XX/XX/XXXX I sent a cease and no contact letter via Registered USPS to Aargon and they further refused to remove the false report which has damaged my credit XXXX XXXX and ruined my no negative credit on my profile which also shows 3 credit increases from 3 creditors in the past 12 months and no late payments ever on my profile. I am XXXX and this form of greed for a claim proven to be false twice already in the past 2 years and having any collection agency sell it to another to have me have to keep repeating everytime is violating Section 623 of the FCRA is being routinely and with malice being violated and causing Me harm. Also XXXX is violating this Section 623 FCRA as they know from XXXX Report XXXX for the same claim that was deleted after I provided my letter from the bank on the unathorized findings by the bank to charge me for anything, only to let Aargon Collections to file the same claim on XXXX Report XXXX for the same {$300.00} under account XXXX for XXXX. And I disputed it and XXXX left it on my credit profile knowing that a previous Collection agency ' XXXX XXXX ' lost and was removed on XX/XX/XXXX by the documents submitted to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it 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 2024-02-22 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Capital Bank credit card was opened from the XXXX XXXX by a company " IXXXX XXXX XXXX '' that was doing business as XXXX XXXX XXXX XXXX. Card was opened and charged {$4500.00} while we were on vacation in XXXX XXXX for a " membership '' in XX/XX/XXXX. 
We found this " membership '' was fraudulent upon returning to the XXXX from XXXX XXXX, starting XX/XX/XXXX to XX/XX/XXXX. We were not given full written details of this membership until that date of XX/XX/XXXX. After learning that the membership was nothing like we agreed with the original sales representative, we asked for a refund and to cancel this membership. This is when we were told that there is no option for refund and no option to cancel, unless we didnt continue paying the monthly price for this membership up to the full amount of {$22000.00}. This is why we disputed the accounts opened with Comenity Capital Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed there was a bankruptcy on my consumer report filed on XXXX, I contacted the bankruptcy court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this bankruptcy has been on my consumer report. Please investigate and provide proof with statements showing that this bankruptcy was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this bankruptcy be removed for both reasons. Thank you! Please see screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed there was a bankruptcy on my consumer report filed on XXXX, I contacted the bankruptcy court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this bankruptcy has been on my consumer report. Please investigate and provide proof with statements showing that this bankruptcy was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this bankruptcy be removed for both reasons. Thank you! Please see screenshot attached.

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