vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: NC

Complaint narrative:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an 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 2024-06-23 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: NC

Complaint narrative:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : 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 an 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 2024-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
My husband and I started the XXXX loan assumption process on XX/XX/year> with Mr. Cooper Mortgage XXXX. We submitted all requested documents. We reached the step of providing home insurance binder and verification of employment. On XX/XX/XXXX, the loan processor/officer informed that my husband XXXX of XXXX ( XXXX ) is not enough to cover the sellers XXXX, and our loan application is canceled. This is desvating to both of us and the sellers. XXXX would be the first thing the underwriter checked when the application first reviewed. We understand that this is a XXXX rule, but should we have known about this in XXXX, we could have fixed this issue. We received a conditional approval in XXXX with nothing mentioned about XXXX. 
This is not fair for us or anybody. 
We are now in severe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I originated a Plus Membership account with SamsClub membership in 2020. Somehow, Sams Club partnered with Synchrony since I became a member. 
I attempted to speak to the CEO of Sams Club regarding the way Synchrony is conducting their business but there is no way to speak to a CEO. So here is my concern : I pay my bill sometimes twice a month and many times more than the minimum payment. Yet despite my payments, I have been charged late fees.. On the XXXX statement, it shows a late fee of {$29.00} However it also indicates a payment of {$50.00}. 
Then again in XXXX, I was charged a {$40.00} late charge Yet posts show my payments XX/XX/XXXX, {$50.00} XX/XX/XXXX, {$50.00} XX/XX/XXXX {$40.00} late charge XX/XX/XXXX {$40.00} late charge All of the above is an accounting issue. NEXT! 
I received a message in my email that there was a message from Sams Club When I opened up my account a message popped up that I needed to call customer service. I called Customer Service and the 1st thing they say is in order to speak to me, they must verify who I am and they ask me for my name and the last 4 digits of my social security. I give them that information and then they infom me that they would send a link to my phone that I must do a video of myself. I told them that I did not wish to expose my image over the phone, or the internet and then they said I would receive a letter where they would require additional documentation like a copy of my drivers ' license, I told them that I would be willing XXXXo drive to Sams club and personally show them my drivers license but they said that club has nothing to do with the credit department. But it is sams club that initiated the credit. Had I known Synchrony bank or a third source would be handling my account, I would have not applied. 
I feel like they are infringing on my privacy by trying to force me to jeopardize my physical identity over the phone, internet or mail. They already authenticated me by asking me my name and last 4 digits of my social security number. It is my belief that sending this information is risky and because I refuse to do this, they refuse to discuss why I am being charged late fees. And Further they have stopped my purchase.

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 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

Complaint narrative:
On multiple occasions, I have given more than enough money to discover card and yet every time I log back in theres something different happening with the credit card. Has been closed for a good year now, however fees on top of fees. I just managed to pay it off for {$1.00}. Then payments were returned to me, I have verification of the balance on my bank account and unsure why the balance keeps coming back. Instead of having post payment for the card ; I am willing to make a complaint with the law regarding the obscure activity the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been locked out of my venmo account for a few years now. I no longer have access the email address or bank account information I used to create the account, therefore can not verify my information digitally. 

Over the course of these year, I have tried on multiple occasions to contact customer service through the message option on the venmo website. In my message to venmo I clearly state the issue and that I can provide my SSN to verify my identity. I have never received a response to any of the messages. I have called customer service multiple times, however the way the system is set up, there is no longer access to a live person to explain my issue to. The most recent time I contacted customer services was this past week by sending another message, calling, and attempting to use the chat bot. I had a friend accidentally send money to my venmo account and the only way to refund the money is for me to refund it. I can not do this unless I can access the account which I can not. I also have no idea if there are funds in the account from previous usage. This is my last resort as the messages that are sent through the Venmo website do not automatically send a confirmation the message was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
They closed my account. I kept making payments now account is at XXXX balance but 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 2024-06-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Capital Services ( LVNV ) collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX I purchased a XXXXXXXX XXXX from XXXX XXXX XXXX and XXXX financed the loan through XXXX XXXX XXXX Within XXXX weeks of having the vehicle the XXXX XXXX XXXX and had to be replaced, in which the warrant did cover but it was still a big inconvenience being I bought a vehicle for the reason of having reliable transportation. Within the next XXXX months I had many other issues with the vehicle in which the warranty would not cover so I had out of pocket expenses. Also within less than XXXX months of having them replace the motor, the motor went out again and the warranty would not cover it. I was out of pocket paying for more expenses and having to pay for a new motor. These circumstances put me in a XXXX XXXX at the hands of the dealership who either did not fix the issue the first time or who gave me another bad engine when they first replaced it. Even though the engine they replaced was faulty and did not last but a few months they stated it was not within the warranty and I had to pay out of pocket. I was already dealing with XXXX XXXX from not having a vehicle to be able to work etc since and I was stuck making payments on a vehicle I was not able XXXX XXXX that was having multiple repairs made to it and then having to pay out of pocket for repairs. I feel this is not right and my credit report lists negative remarks when indeed I made timely payments but in XX/XX/year> was when I was without the vehicle for an entire month and paid over XXXX in repairs plus went a month unable to work due to having no vehicle and had XXXX to buy for XXXX kids. These people would not work with me what so ever knowing the position this dealer ship/finance company put me in and they did not try to help or make the situation right after I was deceived in buying a faulty vehicle and they failed to even replace the engine the first time with a suitable one that was not faulty. I have attached all paperwork to this claim. Im in process of legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: IL

Complaint narrative:
In XXXX I purchased a XXXXXXXX XXXX from XXXX XXXX XXXX and they financed the loan through XXXX XXXX XXXX Within XXXX weeks of having the vehicle the XXXX XXXX XXXX and had to be replaced, in which the warrant did cover but it was still a big inconvenience being I bought a vehicle for the reason of having reliable transportation. Within the next XXXX months I had many other issues with the vehicle in which the warranty would not cover so I had out of pocket expenses. Also within less than XXXX months of having them replace the motor, the motor went out again and the warranty would not cover it. I was out of pocket paying for more expenses and having to pay for a new motor. These circumstances put me in a XXXX XXXX at the hands of the dealership who either did not fix the issue the first time or who gave me another bad engine when they first replaced it. Even though the engine they replaced was faulty and did not last but a few months they stated it was not within the warranty and I had to pay out of pocket. I was already dealing with XXXX XXXX  from not having a vehicle to be able to work etc since and I was stuck making payments on a vehicle I was not able XXXX XXXX that was having multiple repairs made to it and then having to pay out of pocket for repairs. I feel this is not right and my credit report lists negative remarks when indeed I made timely payments but in XX/XX/year> was when I was without the vehicle for an entire month and paid over XXXX in repairs plus went a month unable to work due to having no vehicle and had XXXX to buy for XXXX kids. These people would not work with me what so ever knowing the position this dealer ship/finance company put me in and they did not try to help or make the situation right after I was deceived in buying a faulty vehicle and they failed to even replace the engine the first time with a suitable one that was not faulty. I have attached all paperwork to this claim. Im in process of legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was going over my report and notice that I've a been a victim of identity death and found numerous hard inquiries that I have no knowledge of here are the hard inquiries : XXXX  XXXX XXXX : XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 2024-06-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
The information given is false and inaccurate and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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:
The EDFINANCIAL accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that EDFINANCIAL provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

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 2024-06-23 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: GA

Complaint narrative:
The EDFINANCIAL accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that EDFINANCIAL provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had ran into a rough patch I fell behind on my Capital One Account I called them they told me if I paid them in full it would report as PAID AS AGREED SO I PAID IN FULL. They did not keep the agreement because it's reporting as a CHARGE OFF This should be inaccurate information

Company response to consumer: Closed with explanation