vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 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: PA

Complaint narrative:
I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. 
After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. 
And i was not aware that they would closed my account after two fell payments. 

I called in to Synchrony bank and spoke to a account manager, I explained the situation to the first account manager, she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX, about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results, Synchrony staff member claimed they deny opening my account. 

I had to provide my account to them to see if they were using the same account, and they wasn't. When i provided them with the correct account number, my payment went thru for {$550.00} paid on XX/XX/2023. 

my argument is they closed my account and i don't understand why they closed my 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 2023-05-12 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. 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 non-monetary relief
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XX/XX/XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you

may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor:XXXX XXXX XXXX
Account name : XXXX XXXX
Account : XXXX
Amount : 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 2023-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
I received a letter on XX/XX/2021 about an account that was past due that I never opened. The letter was from Regional Finance in XXXX TX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened an account with them so I called and spoke to the manager XXXX XXXX Apparently this company sends out LIVE checks to people and all they have to do is sign the check and deposit it and once cashed the account is open. I have not heard of this since the 80 's. The manager said that the person who did this did not have to present themselves, they required no ID, or other identifying information. She had a phone number that was not mine. I have had the same bank account since before this happened and I can prove that I did not cash this check and was not living at the address they mailed it to at the time, I have moved to another city before this. They claim to have validated a debt for a check that I never signed, nor deposited. This is a disgrace. With all of the laws in the US requiring banks to identity those seeking loans and with the requirements in place to prevent fraud, money laundering, and other illegal activities how does Regional Finance get away with this?

Aren't these lenders subject to the Bank Secrecy Act ( BSA ) and related regulations, which require them to establish Customer Identification Programs ( CIPs )? These programs require lenders to verify the identity of customers and maintain records of the identification information obtained. Is this company in violation of that?

I have reached out to a consumer protection attorney as they are saying that they validated a fraudulent loan, which is not accurate as they did not have any of my personal information for this other than my old address which I was not living at at the time. The phone number they were calling was not mine, I have no idea how this can happen. This is ridiculous and they need to be stopped from doing this making easy victims out of unsuspecting consumers. At the very least they could have gotten information on the bank where the check was deposited. It was never deposited in my account that is for sure.

I have never been able to take out a loan without various forms of ID, Proof of income etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear, TransUnion Consumer Solutions Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts 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 XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Fraud charges appeared on XX/XX/27 statement - reported - paid legit charges every month Stmt XX/XX/27 - Stmt Balance XXXX Fraud - XXXX Paid XXXX legit charges XX/XX/27 - Legit charges XXXX original fraud XXXX Fraud removed - XXXX Interest Charged XXXX Stmt Balance XXXX paid legit XXXX XX/XX/27 - Legit charges XXXX Fraud balance XXXX Prev Interest XXXX New Interest XXXX Stmt Balance XXXX Paid legit XXXX XX/XX/27 Legit charges XXXX Prev Interest XXXX Prev interest XXXX New Interest XXXX Stmt Balance XXXX Paid FULL Bal XXXX - to stop the illegal interest charges

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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I used my debt card in a atm an it didnt give me my money or a receipt they keep denying my clam without an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Yesterday Morning, XX/XX/XXXX I notice when I open my Capital One app that my Capital One credit card Quick Silver had a message of closing & I call Capital One Customer Service. The representative name XXXX said that my CC was closed already & I ask why, because I was planing to use it this coming weekend for XXXX  XXXX & I had accumulated {$210.00} rewards that I was going to use for my mom & aunt to cover some of what I was going to buy for them for the occasion. Inactivity was the reason of closing the account & I ask why I did not receive a notification that allow me to keep it open because I did not receive anything electronically ( since I sign for paperless ) but he said a letter was send thru normal mail /USPS XXXX I state I did not received it & I ask for my {$210.00} rewards but he said that they are gone..I said that is my money & I have the right to have it since I did not know nor I received any notification for closing the account without my knowledge. He was talking really sleepy/yawning & he said he doesnt care that I lost my {$210.00} dollarsthat was my problem... I was speechless how he talk to me & I requested for a Manager/Supervisor but before I was transfer he ask me if I want my Quicksilver credit card to be closed..I did not understand what he meant, so confused because I thought it was already closed & I could not do anything to fixed including getting my {$210.00} reward money. Before I can answer he transfer me & the supervisor said he could not do anything about it ( it was an offshore supervisor from XXXX & he couldnt understand the situation plus the connection was really bad ). 
I call back again and XXXX from XXXX also said she could not do anything about it, no resolution for the situation so I decided to call the bank & I requested to get my money back of {$210.00} since I was not aware of the CC closing, because if not I will close my bank accounts as well since I do not trust Capital One with my money after my reward money being stolen from me by Capital One credit card. 
Later after XXXX I received an email for the first time from Capital One saying my CC was closed as of this evening TODAYin other words when I call to resolve the situation, my card was still open & able to charge /used & not lose my {$210.00} but Capital One actions were literally evil and took /stole my money. I am not a millionaire I work really hard for my money and as a single mother, I count my pennies .IT HURST A LOT LOSING MY {$210.00} & each supervisor I talk said that THEY DO NOT CARE, Its MY PROBLEM. I have never being treated like this in my whole life from a CC bank or from any bank. 


To this day I did not receive the CC account closing notification letter by email /electronically since I sign for paperless nor by mail/USPS as Capital One customer service stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: AR

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to the USC 1681 s-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.

( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-12 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:
I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and Equifax. The accounts in question are XXXX XXXXXXXX account number XXXX ( XXXX ), Capital XXXX account number XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute. 

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is XXXX XXXX Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: OH

Complaint narrative:
The address below is being reported on my credit report i have never lived at this address I XXXX XXXX XXXX XXXX, OH 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