vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: SLM CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of 2022, I sent a dispute to XXXX, Equifax and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX of 2022, I sent a dispute to Experian, XXXX and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

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 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX Remaining Negative Accounts. 

Account Name : REGIONSBANK Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : 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 2022-07-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian and XXXX XXXX are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by me.

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 2022-07-19 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: TN

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. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX B IRCH XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Three of my Synchrony accounts were closed as a result of error. 1. Lowes 2. Value City Furniture, 3 Care Credit. 

The reason accounts were closed is because Lowes took an un-authorized payment on XX/XX/2022 of {$5100.00} dollars from my checking account which triggered approximately ( 20 ) account payments to other creditors to overdraft my personal checking account! 

I Immediately was notified by my bank, XXXX XXXX XXXX that the account was overdrawn and I then Contacted Lowes to seek a remedy for this error. Lowes refused to rectify this error and said that it would take them 7 days to issue a credit back to my personal checking account! 

Meanwhile, had I waited 7 days, ALL my other accounts with creditors would have been returned and delinquent. I spent years establishing & building my credit profile and have been a loyal customer to Lowes. I have ALWAYS made my payments on time. 

Because Lowes failed to resolve the issue after several attempts, Synchrony has closed the 3 accounts as mentioned above. 

This is causing me damages to my credit Integrity and is also damaging my credit profile. 

I want my accounts restored and and ALL derogatory information to be Immediately resolved as it should be. 

Note : Would like to also mention that because Lowes failed to remedy that I had no other choice but to stop payment on that account. I contacted my bank XXXX XXXX XXXX and placed a temporary block on Lowes which I later removed and then submitted minimal payment that Lowes required of {$540.00} which included late fee 's. It was after I had made this payment that Synchrony Bank closed my 3 accounts! The Payment was made on XX/XX/202XXXX 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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit 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 non-monetary relief
Consumer complaint received 2022-07-19 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The following charges, totaling {$280.00}, showed up on my Barclays XXXX XXXX XXXX statement which I did not make or authorize. I reported these fraudulent charges to Barclays in late XX/XX/XXXX and followed-up more than once in early XX/XX/XXXX, but they have not removed them and they are still showing up on my balance due. The issue seems to be related to the fact that Barclay 's recently took over my credit card from XXXX XXXX. One person I spoke with at Barclays told me I should call XXXX, but when I tried calling XXXX, an automated recording directed me to call Barclays : XX/XX/XXXX - XXXX XXXX XXXX - {$20.00} XX/XX/XXXX - XXXX XXXX - {$47.00} XX/XX/XXXX - XXXX - {$17.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - XXXX - {$50.00} XX/XX/XXXX - XXXX - {$7.00} XX/XX/XXXX - XXXX  - {$23.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$35.00} XX/XX/XXXX - XXXX - {$1.00} XX/XX/XXXX - XXXX - {$59.00} XX/XX/XXXX - XXXX - {$9.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2022 I sent a written letter requesting documentation to prove that these accounts belong to me. I requested to see contracts, my signature etc. I also sent a letter with inquiries that did not belong to me. I did not receive a response. 

On XX/XX/2022 I disputed information that was not correct on my credit report. Everything is still there. 

It is illegal to report inaccurate things.

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 2022-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I completed an application to open an XXXXInherited IRA XXXX with Merrill/Bank of America due to the death  of my mother. I was initially asked for a copy of my driver 's license and social security card which I provided. They also asked me to confirm any dollar amount of an auto loan debt or credit card that I currently owned- which I confirmed. 

The Representative asked me if I was currently employed and I explained to him that I was not at the time. The representative asked if I was previously employed and I explained to him that I was. I provided to him my last paystub that also had my current address on it. 

In addition- he asked if I could provide a utility bill and I explained to him that I am currently living with a relative and that the utilities are not in my name. He then provided a list of documents that I could select from for address verification. I chose the 'W2 ' option which I provided him a copy of. 
I received an email yesterday XXXX, 2022 asking for additional information. I now feel that I am being discriminated against.

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 2022-07-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Gap # 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 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 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 XX/XX/XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

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

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 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
After reviewing my credit report I noticed multiple inaccuracies. Sunrise Credit Service and XXXX XXXX is listed on my credit report multiple times. I never received any documents verifying that I owe a debt to this company. I have no knowledge of this 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 2022-07-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX and Trans Union are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by me.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
So I have an open XXXX XXXX  account XXXX  on my XXXX XXXX XXXXXXXX I don't know why! I have not had services with them! my credit went down a lot! I already tried to talk to this company but they do not answer me! 
I have no knowledge of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My situation is with Capital One Bank, I open an account few years back and I added my daughter on this account, she turned XXXX and start working, so apparently I added the social security wrong and I sent them a W9 with the copy of my daughter ID to fix this problem. They freeze the account on XX/XX/XXXX and they still have her money freeze. She need her money to pay her insurance and gas. They said wait 5-10 days and then when I Called they still saying that they still working on it. 
Please help me with this situation. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
We have reported 4 transactions to Capital One that occurred on our credit card from 2 XXXX XXXX accounts that are not ours. These transactions occurred on XX/XX/2022 and XX/XX/2022 in the amounts of {$400.00}, {$400.00}, {$200.00}, and {$220.00}. We've asked capital one to investigate these transactions as we did not initiate or approve these transactions. They refuse to investigate, they did do an initial investigation and within a day came back to us and said they could not find evidence of fraud. Not much of an investigation if it only took a day. I was able to find out from cash app that these transaction occurred between 2 parties. Both parties included my wife 's name 's ( both married and maiden name ) and both of her cell phone numbers. The only thing that is different is they are two accounts using 2 different emails that are not ours. What's odd is both of these accounts have our credit card linked to them and are only processing transactions between themselves. Based on the timing of these transactions happening in the middle of the night and the ip address 's associated with these transactions happening somewhere that is not our ip address for any of our devices. There is more evidence that proves this is fraud than evidence proving otherwise. Capital one refuses to engage or do anything. They closed our credit card account after 16 years of being a customer and state we refuse to investigate further because the way the account is used. This makes no sense to me, as that being the reason you won't investigate fraudulent transactions. These transactions having nothing to do with the reason you closed the account and if they do, then you closed an account because of fraudulent transactions. I've called on multiple occasions and they refuse to do anything. I should not be responsible for XXXX charges that we did not do. We've had fraudulent transactions on other cards and the other banks are working with us and making sure we get it taken care of. Capital one is the only bank refusing. If this is how they treat XXXX XXXX XXXX customer then I don't want to be a customer with them anyways, but still I should not be responsible for someone gaining our credit card information, creating accounts in cash app and processing transactions we did not authorize. Cash app is also impossible to work with. They have just not responded to anything, but capital one has been rude and unbelievably hard to work with.

Company response to consumer: Closed with monetary relief