vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
By XXXX XXXX I called Syncrony Bank about fraudulent inquiries that XXXX is refusing to remove from my credit report. I have 3 valid accounts with Syncrony Bank PayPal Credit, American Eagle Credit Card and Old Navy Credit Card, those accounts were open by me and arent related to the inquiries that I am disputing. The agent from Syncrony Bank account protection informed me that inquiries will be removed from all credit bureaus within 30 days but those inquiries still showing in my credit reports. 
Inquiries that needs to be removed : SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCB/SAM - XX/XX/XXXX SYNCHRONY BANK ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/SAM & # XXXX ; XXXX XXXX  - XX/XX/XXXX SYNCB/PAYPAL ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/AMERICAN EAGLE - XXXX XXXX, XXXX SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCHRONY FINANCIAL - XX/XX/XXXX SYNCB - XX/XX/XXXX SYNCB/TJX CO DUAL CARD - XX/XX/XXXX SYNCB/PAYPAL- XX/XX/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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by XXXX XXXX mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/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 2022-01-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. Transition, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

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 2022-01-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. XXXX, XXXX and Equifax fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX  violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/2022 I received some letters regarding some inquiries with citi group, XXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for 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 explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-01-30 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: KY

Complaint narrative:
On XX/XX/2022 I received inquiries letter from XXXX, XXXX, capital one, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/2022 I received inquiries letter from XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I came home on XX/XX/XXXX from an almost 8 month trip. I found several collection letters from Penn Credit which I replied the next day asking for verification. I sent a list of things including original contracts bearing my signature in order for me to be able to validate the alleged debt. They not only failed to send the requested information, but also I received a response that violates my HIPPA rights. The collector did not provide a HIPPA release form with my signature that provides authorization for them to have any medical information of mine. Penn CrediXXXX continues the pursuit of this alleged debt without validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America account was closed for possible fraud and now I can not open a new bank account anywhere else I tried to dispute this when it happened and didnt get anywhere now its affecting me being able to open a account

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I been having hard times with Capital One to dispute fraudulent inquiries that they are reporting to my credit bureaus. I have the following accounts with Capital One and those account are not related with the fraudulent inquiries that I am disputing and requesting removal here. 
VALID ACCOUNT THAT I HAVE WITH CAPITAL ONE : XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX Card ending in XXXX opened XX/XX/XXXX XXXX XXXXXXXX  ending in XXXX opened XX/XX/XXXX XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX XXXX  ending in XXXX opened XX/XX/XXXX XXXXXXXX XXXX ending in XXXX opened XX/XX/XXXX The inquiries that I am disputing are : CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE AUTO FINANCE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX GDM - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE - XXXX XXXX, XXXX Capital One has a Pre-qualification system very effective for credit applications to avoid credit inquiries, all the accounts that I have with Capital One have been opened using the Pre-qualification system. These fraudulent inquiries have been affecting my credit score, please remove them as soon as possible. 
I would like to mention that XXXX XXXX is a great financial institution and I have business with them for over 2 years without experiencing issues, this is the only issue I been experiencing and I am pretty sure that the credit bureaus are not following the appropriately step on the dispute that I have filed with them, so, at this point I decided to file this compliant to resolve this situation directly with Capital One since I been calling Capital One and I havent been able to get an agent on the phone willing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/2022 I received some letters regarding some inquiries with XXXX XXXX, American Express, and XXXX XXXX, which I have no idea where these inquiries derived from because I did not apply for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/2022 I received some letters regarding some inquiries with citi group, AXXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for 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 explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted an initial complaint with the Consumer Financial Protection Bureau in regards to Lending Club 's billing practices. During my XX/XX/XXXX telephone call to Lending Club, the representative told me I was not able to change my due date without paying two payments within the same month. When I advised her that I wouldn't be able to do this, she asked if I wanted to cancel. I acknowledged yes. Despite requesting the cancellation of the due date change, the due date change of the XXXX is still active and Lending Club online payment portal is requesting for me to make two payment 's, one for XX/XX/XXXX and one for XX/XX/XXXX. The purpose of this due date change was for me to act in good faith of making on time payment 's to Lending Club. As expressed on my call on XX/XX/XXXX, my current pay schedule does not allow for me to make payments on the XXXX of each month. I spoke with a second representative on XX/XX/XXXX that advised me of the same requirement of having to make two payments in the same month. Lending Club responded to my initial CFPB Complaint filed on XX/XX/XXXX, acknowledging that the information I received was incorrect but my concern is how many consumers has Lending Club not allowed to change their due date and inadvertently reported late to Credit Bureaus because of this incorrect information. If the information is found NOT to be true, then why is it causally rehearsed as a Guideline and asked of the Consumer to acknowledge when attempting to make the due date change? Lending Club billing practices are subject too much scrutiny and will be reported to the Attorney General following this complaint. 

Please note another attempt was made to cancel the due date change on a subsequent followup call XX/XX/XXXX and to date, I am still required as per Lending Club 's online payment portal to make two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by certified USPS mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I have the following fraudulent inquiries in my credit report. Mercedes Benz Financial is not cooperating with the investigation or willing to remove fraudulent inquiries. 

Fraudulent Inquiries : XXXX XXXX XXXX XX/XX/2021 MB FIN SVCS- XX/XX/2021 XXXX XXXX XXXX ( Auto ) - XX/XX/2021 2021

Company response to consumer: Closed with explanation