vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
FCRA 605B mandates that any inaccurate accounts be removed from my credit report. Could you verify the documents? Several accounts listed contain reporting errors, incorrect amounts, and dates.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/XXXX I purchased hearing aids from XXXX ( for {$2100.00} ). At that time they set me up with a payment account with Synchrony bank. They were adamant that as long as I made the minimum payment -- by automatic deduction from my bank account -- I would never be charged any interest, and all of my payment would go to principal. 
I didn't get a contract from Synchrony but I see that they were taking the prescribed {$44.00} out of my account. By XX/XX/XXXX I tried contact Synchrony to pay off the balance. I could not get hold of them and XXXX was not able to help. I tried emailing Synchrony to ask them to ask for my contract and never been able to get a reply but they kept deducting form my account. Finally, through my bank ( where the autodeduct was begining taken ) I was able to get a phone number and was told that despite paying on time and making payments that now exceed the principle, they changed and have been charging me interest. Since my agreement was with XXXX I don't have a contract. 

I do not owe any interest -- they claim I owe > {$1300.00} interest )

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 2024-05-17 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. the account number is : XXXX, please remove these accounts from my report, they are hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I called CFPB a few days ago concerning Amscot payday business.I missed CFPB call back but got the voice message. 
The representative told me refusing to provide signed copies of the loan contract at the time of the transaction is a violation of federal law.

Amscot only gives unsigned copies to borrower 's.

I am a XXXX old. 
I have been locked in an endless cycle of monthly advances on my social security since XXXX. 
Every month I ask Amscot for signed copies.

They refuse.This is a corporate level policy.

There have been times I was intimidated.

A few months ago when I requested signed copies the manager asked " do you want to stop the loan? '' I stopped asking for the signed copies because I needed the money to get through until my next social security payment. 
I saved many documents with no signtures as well as interest rates more than XXXX percent. 
Since XXXX the documents as well as my own experience reveal exactly what payday lending is.It is predatory. 
Documents show the impossible curtailment of the rights of people trapped in these loans. 
If CFPB wants the unsigned contracts as far back as XXXX I will provide them ( I became a chonic customer in XXXX. 
I started collecting documents in XXXX ) as well as evidence of other practices that doom consumers to repeated reliance on payday lending with specific curtailing of consumers right. 
There are so many with different loan numbers I can't fit into the complaint. 
However I can scan them and send by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NM

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NM

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: WV

Complaint narrative:
Everything is back to normal now. But I have an FHA loan with Planet Home Lending ( PHL ) and during the pandemic my loan was in forbearance. Coming out of the pandemic, rather than work with me and help me obtain Housing Assistance Fund ( HAF ) approved by Congress through my State Agency, Planet Home Lending ( PHL ) moved to wrongfully foreclose on the property while assis
tance money was sitting and waiting. PHL nearly achieved its goal of Wrongful Foreclosure until I threatened to sue directly the lawyers and law firm involved in this blatantly illegal, thuggish and criminal conduct. I firmly and strongly believe the lawyers and law firm pulling out of the Wrongful Foreclosure process following my threat to sue forced PHL to come around and work with me and the State Agency to get HAF funds. The loan was modified and all mortgage arrears accumulated during the forbearance were paid and in addition PHL charged numerous illegal and exorbitant fees. I am currently drafting the lawsuit against PHL and its lawyers because their egregious and outrage conduct can not and should not be allowed to stand without SERIOUS legal consequences. Before the pandemic and the loan going into government-mandated forbearance, I had never been late or missed mortgage payment. Since HAF funds were applied and the loan came out of forbearance, I have also never been late or missed payment. It is my strong and firm belief that the abundant equity on my property was the motivation for Planet Home Lending to initiate and make this Wrongful Foreclosure move just like Countrywide in XXXX and many other unscrupulous, greedy and criminal corporations in the housing market. I am being responsible paying my mortgage on time every month for years and never took out a dime in home equity even when I was struggling financially but Planet Home Lending did not think twice to attempt to steal the property because of its equity while there was plenty of government aid money available and sitting around to cover arrears accumulated during government-mandated and pandemic-triggered forbearance. I am right now drafting the Complaint to be filed in the next few weeks against Planet Home Lending and its attorneys however I thought it was crucial and important to inform your agency and any and all other concerned state and federal housing agencies. Whatever help, assistance or guidance you can provide will be much appreciated. You may share my story in any venue you wish as I believe people have the right to know and should be made aware of PHL 's business practices and the business practices of others like it especially in the post pandemic era.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX PL XXXX XXXX, GA XXXX XXXX. XXXX TO XXXX XXXX XXXX XXXX XXXX, GA 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 2024-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2, states that a consumer reporting agency can not furnish without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ok I was sent a pre approved offer through the email from capital one with a rate quoted and a pre approved offer number. I did everything they asked let them run a hard pull on my credit cause damage to my scores everything they asked for I did because they told me they would refinance my vehicle and take care of me. They did not. They lied and as far as I can see sent out blanket " pre approval '' letters with NO intention of approving ANY of the people they sent their offers to. They just wanted to solicit offers and then cherry pick the BEST offers from those which they had drummed up. This SHOULD be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-17 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : DEPTEDXXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

Company response to consumer: Closed with non-monetary relief