vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Opened a line with SYNCB/CARE CREDIT to pay for a huge XXXX  bill that was XXXX XXXX. The credit line was first opened in XXXX  2024. Originally the limit was lower but I paid it off completely and needed to use it for another bill. This is when I took out the {$6500.00} once approved. I have made payments XXXX XXXX on time and even with extensive procedures needing more than {$6500.00}, I have brought the balance for Carecredit down to {$5500.00}, making it XXXX XXXX  of my accounts limit. I finally made it to XXXX credit score and now I got a mail from Synchrony saying that they are lowering my credit line to {$5500.00} due to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX " " Average Time Since Accounts Opened Is Too Recent '' " Average Time Since Revolving Accounts Opened Is Too Recent " " Too High Proportion Of Accounts Recently Opened '' I also have an account with Synchrony and that is my Paypal credit that is longstanding, I have a {$2000.00} credit and use about XXXX XXXX of the credit, yet I have made payments ALSO XXXX XXXX on time. 

Synchrony is TRYING TO XXXX XXXX XXXX DESPITE XXXX XXXX PERFECT PAYMENTS ON TIME. They are LITERALLY KEEPING ME FROM getting better interest rates out of reach for an even longer amount of time! In the future, this decision from Synchrony will literally directly affect my interest rates and cause unnecessary financial harm to me with none of it being my fault. 

Synchrony you are a XXXX XXXX XXXX, stop trying to XXXX XXXX XXXX, this is so unjust. After I pay this off I will make sure I will never own a line of credit with you guys again regardless of how much it hurts to close an account. XXXX XXXX, you guys are messing with me on purpose. 

You literally lower my credit line with NO WARNING and you do it to XXXX bucks above the balance, you ARE DOING THIS ON PURPOSE. Synchrony is a bunch of XXXX  This is an unjust reason to lower my credit line. I have XXXX XXXX payment history. Do not try to XXXX with my credit utilization and prevent me from getting better interest rates.

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 2024-08-24 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: NV

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 XXXXXX/XX/XXXXXX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX : # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/XXXX: # XXXX, Has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by 7 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 Charge Off 's U.S.C 1681 THIS IS INCORECT & INACCURATE INFORMATION THIS IS NOT MY DEBT

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had XXXX credit cards with Capitol One. I cosigned a auto loan for my daughter. When I attempted to access my credit card accounts the login had changed. They had linked my daughter 's auto loan with my credit card without my permission. When I asked them to unlink these accounts, they refuse. I recieved and email that they will be closing my account for non use. I have not used the credit cards because I am unable to access the accounts to check billing and to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
After taking a look at my credit report, I am very concerned. I have been a victim of identity theft. There are numerous inquiries on my credit report that are not associated with me nor did I authorize them. I am at a point in my life where I am looking to do more through acquiring a home and vehicle to help provide for those around me. Please remove these fraudulent inquiries from my credit report immediately. The fraudulent inquiries reporting are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME :XX/XX/XXXXXXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXX/XX/XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and # ( XXXX ) as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and 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 non-monetary relief
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
In regard to ACAs response to my previous complaint XXXX XXXX : I strongly dislike that ACA is focusing on the past due amount on my account instead of the actual issues at hand. I would not be past due if the contract was not fraudulent. I am a victim of auto fraud and discrimination from XXXX XXXX XXXX XXXX  this should be enough for the loan company ( ACA ) to thoroughly investigate and protect me as well as their assets. 

ACA is stooping as low as not honoring key evidence that puts both them and XXXX at fault. We both have the loan denial on file stating I was not approved for financing on XX/XX/year>. I have advised both ACA and XXXX that this is fraudulent ( spot delivery ) but no action has been taken as far as voiding the contract. Both ACA and I have the loan denial documentation but ACA is refusing to honor the document. As Ive previously stated, I am not liable for this debt and the contract will need to be reviewed and voided. I am still seeking compensation for the damages and emotional turmoil this has caused. I have been fighting with both ACA and XXXX for nearly four months when the loan was not approved in the first place. 

Please examine why Im stuck in a contract that was not approved? How does that work? Why would the company blatantly IGNORE my concerns for any other reason than to keep me in this phony agreement? Ive shared plenty of documents with ACA and have not received an helpful resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
ACCOUNT # XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I received a secured credit card through Capital One to build credit history. I used it on XX/XX/XXXX for the first time. I made a payment the following day for the full balance. I used the card again on XX/XX/XXXX and made a payment the following day. Each time my payment was returned. After attempting to make the payment my account was closed by Capital One. I got this card only to improve my credit and the in the end I have lowered my credit by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NCB Management Services Inc.
State: FL

Complaint narrative:
Dear Debt Collectors ... ( See List Below ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors XXXX XXXX XXXX Opened XXXX {$630.00} XXXX XXXX XXXX  Opened XXXX {$740.00} XXXX  XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Debt XXXX ... ( See List Below ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXXXX/XX/XXXXOpened XXXX {$630.00} XX/XX/XXXXOpened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$1500.00} XX/XX/XXXX Opened XXXX {$2100.00} XX/XX/XXXX XX/XX/XXXX Opened XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. This account has previously been disputed and I am attaching new information to this complaint including a copy of the police report submission along with the official police report summary and police report number. I have also attached a copy of the official dispute.

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 2024-08-25 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: CA

Complaint narrative:
I have been using Venmo for over XXXX years and never had a problem. XXXX months ago I used my Venmo debit card to pay at the pump. There was a balance of {$62.00} I had on my card, I did not know the gas station held {$25.00}. So my account was negative {$25.00}. I did not know this until my account was frozen, I contacted customer service got transferred to different departments that could not fix the issue. Finally they informed me about the - {$25.00} and said I could resolve it by either funding my account or allowing them to debit it from my bank card. I allowed them to, and then the representative later told me something went wrong and they couldnt resolve it after all but they would follow up with an email shortly. Not long after that I was informed my account is is suspended. I still had a balance of over {$400.00} in there. They could not debit the - {$25.00} but instead told me I can no longer use my account. And there was nothing I can do about it. I asked them what was the reason to this. They instead told me my ticket is closed and to not ever contact them again, any on going messages would not be returned. But the strangest thing is that I then got a deposit of XXXX cent from a user named Venmocorp, that funded my account several times with XXXX cent and then withdrew it back. Its been almost XXXX months, they have said they will hold my funds for up to 180 days for loss prevention purposes. I have never encountered such a business as this. If they are going to close my account, at least release my funds and then close it for good. But instead my account remains opened, the funds are still there, Im even allowed to receive payments but I am not allowed to send or transfer my money out. That is the most mind boggling part to this. Please help me resolve this issue. If my account was suspended, how was it that I saw a transaction activity in which I did not ( could not ) even do from a merchant XXXX days ago! Now my funds are {$380.00}. So it is suspicious to me that they say I am not allowed to use my account, however there seems to be activity going on that I have no knowledge of? I just want my funds released and never ever ever have anything to do with Venmo again. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/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