vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: DISCOVER BANK
State: FL

Complaint narrative:
ear furnisher of information to credit agencies, I am writing to request that you delete the negative accounts and remarks about me that you have furnished to the consumer reporting agencies, XXXX and XXXX. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is important that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. As the consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801 which states that each financial institution has an obligation to protect the security and confidentiality of customers ' nonpublic personal information.

As a furnisher of information to credit agencies, you are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my consent to XXXX, XXXX, or your institution to furnish this information, in any form - verbal, non-verbal, written, implied or otherwise. Therefore, any and all consent to XXXX, XXXX, and your institution is revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. However, your institution never informed me of my right to exercise my nondisclosure option.

Your institution is also violating the law by reporting adverse information about me without my permission. 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Your institution must ensure the accuracy of any information you report about me.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of your reporting at any time. Therefore, I am exercising my right to opt out of your reporting. 

Please confirm in writing that you have deleted the negative accounts and remarks about me from both XXXX and XXXX 's records. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: PA

Complaint narrative:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Advantage Credit , IncXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A company Barclay has reported late payments. it says XXXX rewards. says I have a card open in my name as an authorized user, but I never bought anything through them

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened the checking account on XX/XX/XXXX, made XXXX direct deposits on XX/XX/XXXX, and XX/XX/XXXX totaling more than {$1000.00}, which is within the 90 day period after account opening. I am supposed to receive a one time {$400.00} bonus according to the terms during account opening. I went to the branch on XX/XX/XXXX, the representative wasn't helpful. I called the customer service on XX/XX/XXXX, they said that I should receive the bonus within 30 days. It has been more than 30 days, I still haven't receive the bonus according to their terms.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXX XXXX XXXX XXXX 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
these accounts are FRAUD ... .... # XXXX XXXX XXXX XXXX IN, XXXX, XXXX XXXX XXXX, XXXX mississippi XXXX # XXXX LUNV funding LLC, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX & XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX fraudulently conducted a " hard inquiry '' into my credit without my knowledge or consent. I informed Equifax of the fraud and they refused to delete the hard inquiry from my credit report. The two other credit agencies ( XXXX and XXXX ) did delete the inquiry from XXXX after I disputed the inquiry and explained the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/21 I got into a wreck in my new car i only had for a month on my way home ( not at fault wreck ). I called Wells Fargo and told them it happened and they said they would take care of everything. When I was away at a military school in Florida my wife called me and said that the Gap company wasnt going to cover the loan because Wells Fargo failed to send the paperwork in on time and they sent the paperwork past the deadline. I have gone back and forth with Wells Fargo for almost a year now and some of the workers have been nothing but rude and not helpful

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had opened my first credit card with XXXX XXXX When opening the card, the employee at the bank incorrectly entered my social security number. I had noticed this and had submitted a request to update my SSN on all 3 credit bureaus in XXXX of XXXX. After sending all of the documentation. Equifax never notified me the result of the investigation. 

I had recently applied for a loan and was told that my credit report is still showing the incorrect social security number with Equifax. I then contacted Equifax again in early XX/XX/XXXX and spoke with an agent XXXX. XXXX assured me that they can use my previous documentation to update my social security number and it would take a few days to process. 

I called back 2 days later and was informed that nothing was done again. I was informed to resubmit the required documents online to get the social security number updated. I submitted the case for a 3rd time for review online on XX/XX/XXXX. I received a response from Equifax XX/XX/XXXX stating that the social security number is correctly showing on my profile now. During this same time, I had also sent out a physical letter to the XXXX XXXX provided by the customer service agent, and they had received the documents XX/XX/XXXX. 

When I called to verify that my social security number had been updated, I was again told that nothing has been done, and I need to submit my documents for verification all over again. When I had informed the agent that I have submitted the case online AND sent a physical letter, I was trying to get an answer why the report of the investigation stated that my SSN was updated, but that was not the cases. They were not able to answer the question and hung up on me.

I have tried on 4 separate occasions to update my SSN with Equifax with no luck. At this point, I am risking losing my loan, and will most likely have to reach out to a lawyer to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following inquiry is fraudulent according to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the 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 2023-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TN

Complaint narrative:
In 2008, my husband, XXXX XXXX XXXX, used my information with his girlfriend to take out a loan in my name. XXXX XXXX and I were in the midst of a nasty divorce when he took these actions. I have submitted several documents showing proof that I was not responsible for this debt ; however, World Finance Corporation can not find him so they are holding me solely responsible for the amount. I have even provided the company with his social security number and birthdate. Unfortunately, World Finance Corporation has not provided me with the original loan documents for verification purposes, but is now attempting to garnish my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
So a month ago I was logging onto Venmo to send my roommate money for our monthly utilities fee. And I realized my account had been frozen. When I checked my email, they said I violated some security and privacy thing. After checking through their list of restricted uses, it did not seem as though I violated any. I have reached out to them, only for them to confirm that I had violated something, and that they were now going to permanently ban my account. Now I have money still in my account. And I have tried to link my bank, and while they said that they would allow me to transfer money out of my account, I get to the final screen of linking my account, it says success only to tell me on the next page that there was an error linking your bank account. So now Im left, without my money, and without the service I use to pay my roommates. Both of which I believe to be unfair and unjust. And they are making it even more annoying by not telling me what I did specifically wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I get repeated emails to XXXX, my secondary email address. This is todays but they come 2-3x per week : " Let 's talk solutions Hi XXXX, Your Sam 's Club Mastercard account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Current Balance Total Minimum Payment Due Due Date {$110.00} {$31.00} XX/XX/2023 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.XXXX XXXX  Weekends XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

XXXX  Synchrony Bank XXXX XXXX " but these provide no quick or easy way to contact the bank to draw their attention to the fact that I am NOT XXXX XXXX ( nor is any member of my family ) and I deeply resent that THEIR error is pushing costs off on to me. They should be required to maintain a WWW site/email account where these issues are easily addressed -- especially as they are using electronic means to contact me. 

Thank you 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