vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX, LexisNexis are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL! 

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I was charged XXXX on my Venmo account from an unknown apple bill. I checked and it was a subscription for some random company I have never even heard of. I tried to dispute this charge with Venmo, and they just blocked my Venmo card. The purchase was made on XX/XX/2022 and I have been fighting this case ever since.

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 2023-12-11 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: MO

Complaint narrative:
Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and nine currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, Capital One bank froze my withdrawals out of my checking account. I have approximately {$300000.00} in the account which is pretty much all the money I have and they wouldn't give me any information as to why, when or how I would receive my funds, the investigation would take or why this was happening. They wouldn't give a timeline, a reason, or any resolution to get my funds out. All the funds deposited into my account were valid wire transfers from my partners account from the sale of a business. I never used the account for any suspicious transactions, i currently have XXXX credit cards with their bank, and verified my identity multiple times with them. This is the worst experience i ever had with a bank ever and i dont know why when i opened my account with Capital one, they asked me to fund the account and so I did, and XXXX month later, they held all my money. Pretty much a bait and switch robbery. Depost your money here and we will keep it and not give you any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I sent Navient a copy of my identity thief report over XXXX years ago asking them to remove me from this fraudulent account which is account # XXXX. I was told that I would still be on the account after sending my report. I was told that the file was overlooked and I would still stay attached to this fraudulent account. I expressed how I felt about this decision but was basically told that doesnt matter I asked them to send me copies of this account with all transactions but was told several different things about why I can not receive anything. I then sent a cease and desist letter on XXXX attached with compensation payment demand because of the abuse and harassment and still is receiving from this company but no reply. I gave them 14 days to respond but no reply. I called them after i received a letter in the mail after me to again associate myself with this account. Please can you help with me with this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In compliance with the Fair Credit Reporting Act, I assert that the following accounts have breached my rights to privacy and confidentiality as established under 15 USC 1681 : XXXX Bank Delaware ( account ending in XXXX ), XXXX  XXXX ( accounts ending in XXXX and XXXX  ), XXXX  ( account ending in XXXX ), XXXX XXXX XXXX  ( account ending in XXXX ), XXXX XXXX XXXX  ( account ending in XXXX ), XXXX XXXX ( account ending in XXXX ), and XXXX XXXX ( account ending in XXXX XXXX The Act, specifically 15 U.S.C. 1681 section 602 A, affirms my right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A, Section 2, mandates that a consumer reporting agency can not release an account without my explicit written permission. Further, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from creating a report containing any adverse information older than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) dictates that no one should provide information about a consumer to a reporting agency if they know or suspect 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 2023-12-11 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: MO

Complaint narrative:
Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through. 
Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.

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 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX, TransUnion, and XXXX several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.

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 2023-12-11 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX I contacted XXXX, XXXX, and Equifax several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian alleges I've had an account with XXXX XXXX, I've never had any business dealing with this company a day in my life, and they claim it is " accurate ''. Please update my report asap with these accounts removed.

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 2023-12-11 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: GA

Complaint narrative:
The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the 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