vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: CL Holdings LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX JEFFERSON CAPITAL SYST account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: Capio Partners, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
I have four unauthorized inquiries on my TransUnion credit report that do not belong to me, and I demand it removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject : Formal Complaint : Synchrony Bank Dear Sir/Madam, I am writing to address a recurring issue I have encountered with the applications for business credit cards associated with Synchrony Bank . On two separate occasions, I applied for a LOWES business credit card ( issued by Synchrony Bank ), only to be denied due to the reason stated as " High risk source of application. '' Subsequently, I attempted to reapply a year later, receiving the same outcome. 

In an effort to seek clarification, I promptly contacted LOWES regarding the rejection, only to be redirected to Synchrony Bank. Despite my attempts to reach out to Synchrony Bank, I encountered difficulties navigating past their automated service as it prevents me from connecting with a representative to resolve the matter. 

More recently, I applied for an Amazon business credit card, also managed by Synchrony Bank, and was, once again, denied with the same explanation, " High risk source of application. '' Upon investigating this designation, I discovered that it typically pertains to the flagging of potentially fraudulent applicants. It is crucial to emphasize that I have never been involved in any form of fraudulent activity or conduct throughout my life. Thus, I perceive this designation as an act of discrimination, potentially influenced by my name. 

I would like to highlight that I run a successful business and maintain multiple business credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all in good standing with a flawless payment history. My credit score is exceptional, and I bear no personal credit card debt. Moreover, my business 's financial standing is exemplary, reflected in one of the highest business scores with XXXX XXXX XXXX. As a dedicated business owner, I am actively seeking opportunities to expand my business. 

Regrettably, the recurring denials from Synchrony Bank lack a reasonable explanation, and there appears to be an absence of an appeals system within their process. I strongly suspect that I am encountering discriminatory treatment based on my name and assumption of my race and location. Therefore, I demand a comprehensive explanation as to why my applications for any affiliate business credit cards under Synchrony Bank have consistently met denials. 

I find this situation entirely unacceptable and sincerely hope for your prompt intervention to resolve this matter. Failing a satisfactory resolution, I will be compelled to explore legal avenues against Synchrony Bank for discrimination. 

I await your immediate attention to this pressing issue and a timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I filed a complaint # XXXX to dispute a collection on behalf " XXXX XXXX " of previous last month and the company responded : Fein, Such, Kahn & Shepard , PC ( hereinafter FSKS ) represents the Creditor/Plaintiff in regard to this matter. XXXX XXXX ( hereinafter Consumer ) filed this second CFPB complaint before FSKS has had an opportunity to respond to the initial CFPB complaint. The entire purpose of the Regulation F letter is to provide the Consumer with an opportunity to dispute the debt and request documentation to substantiate either the underlying debt or the judgment. It has come to light that there was a clerical error with the docket number and that the docket number was off by one-digit. There is a valid judgment in the Superior Court of New Jersey, XXXX XXXX, under docket number XXXX. However, as mentioned in the initial response to the Consumers first CFPB complaint, FSKS will not be proceeding with collection activity on the long-standing valid judgment but the Creditor will be within their right to proceed in the future if they deem appropriate at a later date. It still must be noted that this CFPB complaint substantively is a dispute under the FDCPA. There was no misconduct under the part of the Creditor or FSKS. This judgment was and is valid.

I do not see any judgment valid on Data base NJ Courts XXXX XXXX ) they said it was an error on number DC they provided and nothing still in there. As per Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

As result this should be write off and decease any activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 







Also the document upload on the portal is not working and it will not let me upload the supporting documents that I have. I have the fraud report that that i filed, my drivers license and my social security card to verify my identity. please email me with a link to a upload portal so that i can attach/upload the supporting documents that i have for this complaint. Thankyou.

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has concluded that the tradeline item is verified, I requested details of their method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnisher. I also request the persons name and address of furnishers of information contacted in connection with such information and the telephone number of such furnisher when you initially prepared that report. 
They do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that theyve prepared concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX DID NOT FIXED THE ISSUE I DISAGREE ON THERE DISCUSSION THIS NOW Became A RACE ON MY CREDIT REPORT THEY WILL NOT FIXED MY CREDIT SCORE THEY WANT ME TO CONTACT ALL THESE COMPANIES TO DISPUTE EQUIFAX WAS THE ONE HAD A DATA BREACH THEY NEED TO CONTACT THESE COMPANIES AND DISPUTE ALL THESE ISSUES DISPUTE SOFT INQUIRIES fix my credit score and myfinco score XXXX please reopen this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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, XXXX XXXX, sent a dispute letter to both credit bureaus and the creditor of the account in question a few months ago. The company failed to send a 1099 c form which led to XXXX and XXXX removing the account. Equifax is still reporting this inaccurate information which is detrimental to the rating of my credit score. This is a violation of the FCRA and I am requesting the removal of the following paid accounts. Please see the dispute letters which are dated and time stamped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: TX

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 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 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  - Experian 15 U.S.C 1681 section 602 A. States I have the rights 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 reports 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 2023-10-29 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: TX

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 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 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  - Experian 15 U.S.C 1681 section 602 A. States I have the rights 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 reports 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
- Multiple inaccurate names reported on my credit report affiliated with derogatory remarks - Attempts has been mailed to dispute this directly with Equifax and nothing changed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i have applied for a new credit card, it was denied .. they sent me a email that suppose to tell me an exact meaning .... i called multiple times and also days after because they could not answer my question legitimately, i requested a manager, they sent me to a supervisor, which didn't know not one legal right i proposed to them, he replied saying he wasn't a lawyer and can not answer my question, then i requested a manager, which he denied and hung up the phone .... till today i still dont have no exact reason i was denied...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been enacted in error and request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always been committed to adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I value my PayPal account and the convenience it offers for my online transactions, and I have taken all necessary precautions to ensure its proper use. 

Considering the gravity of this situation, I kindly request that PayPal re-evaluates the circumstances leading to the permanent limitation of my account. I believe that a thorough review will confirm my compliance with your policies and demonstrate that this limitation was, indeed, placed in error. 

It is my sincere hope that, upon re-examination, PayPal can restore my account to its previous state, allowing me to continue using your services. I have always appreciated the security and convenience that PayPal provides, and I would like the opportunity to continue using it responsibly. 

I understand that errors can occur, and I believe in PayPal 's commitment to ensuring fair and just resolutions for its users. I kindly ask that you prioritize this appeal and conduct a prompt and thorough review of my account. 

Thank you for your attention to this matter, and I look forward to a swift resolution.

Company response to consumer: Closed with explanation