vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I received notification from the credit bureaus that my XXXX XXXX card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/2023. XXXX XXXX agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from XXXX XXXX. 

Additionally, based on this incorrect late payment reporting XXXX XXXX decreased my credit line on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per XXXX XXXX, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my XXXX XXXX card. The agent says there is nothing they can do but to submit a credit limit increase even though the error was their fault. This has severely impacted my credit due to the credit utilization score. XXXX XXXX needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: TN

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right .15 USC 1681 Section 602 States i have the right to privacy.15 USC 1681 Section 604 A Section 2.it also states a consumer reporting agency can not a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XXXX/XXXX/2021, AVID ACCEPTANCE LLC XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XX/XX/2021, XXXX XXXX XXXX XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing a complaint on SPS because they refused to give me a modification package when I asked for one. They recommended that I go through the Georgia home safe program. When I tried to go through that program they told the company to harass me. They told the company to tell me that they did not get me and my daughter check stubs when they were sent 3 times I want SPS to stop all future foreclosure sale dates until I get a loan modification package from their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am trying to reapply for a card but Care credit says my credit score is too low and Im not able to make payments or use my card anymore they closed my account due to returned payments 3 times in 12 months but they were in an hour period and I have never missed a payment I would like help reapplying for my card thank you

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 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX  XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

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 2023-05-30 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
XXXX  I paid off my Amazon card. I called Amazon credit services on XX/XX/XXXX because my acct showed negative {$52.00} I was told it was a credit. I tried using it towards a purchase but it wouldnt work with their assistance. Finally in XXXX I was issued a refund in form of a check. On XX/XX/XXXX I paid off my acct {$270.00} On XX/XX/XXXX I purchased deco mesh Wi-Fi router extended I had to return it on XX/XX/XXXX and recieved credit of {$100.00}. I watched my balances it never reflected refund of {$100.00}. I paid {$160.00} on XX/XX/XXXX watching to see if credit was made no it wasnt. I called Amazon credit XX/XX/XXXX at XXXX spoke with XXXX employee Id # XXXX she said she saw it said credit says applied but it never was because I kept paying off the balance. She said she would report to billing give them 30 days to get credit.I called XX/XX/XXXX at XXXX spoke to XXXX he said I would have to call XXXX he couldnt transfer me than said she wasnt in. All these calls Ive asked for my {$100.00} credit back in a check. I tried calling Amazon customer service they said they cant help. Recently I had another credit of {$14.00} on XX/XX/XXXX it never been posted or given back. Also a purchase was made XX/XX/XXXX I didnt buy anything. {$14.00}

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 2023-05-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr CREDIT CONST Account Number : XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Like so many others I was offered a {$100.00} bonus for adding in {$10000.00} to my Goldman Sachs Marcus account and leaving it in the account for 60 days. I signed up for the promotion and added {$10000.00} to the account on XX/XX/. A tracker said that I should receive the bonus by XX/XX/XXXX. On XX/XX/XXXX when the bonus did not arrive I contacted Marcus via chat and was assured that I qualified for the bonus and that they would be posting the bonus soon. At the latest it would be 14 days ( XX/XX/XXXX ). When the bonus did not appear in my account on XX/XX/XXXX I chatted with Marcus again. Again I was assured that the bonus would post " soon. '' I also asked if Marcus was covered under the authority of the CFPB and the rep refused to answer. Shouldn't banks have to disclose the governmental agencies that assist customers when they do not treat them fairly? It is now XX/XX/XXXX and still no sign of the bonus. I searched the CFPB database and see that XXXX  of complaints have been filed against Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, i applied for a XXXX loans with JPMCB Auto Finance, which they denied my the loan, however, once i review my credit history the loan was granted to someone but me the consumer. My rights was violated 15 U.S. Code 1691 ( 3 ). XXXX XXXX, and manager phone me in XXXX to ask me what will i be doing with ALL that money and the bank could not grant me the loan. I explained told XXXX XXXX XXXX and his manager that Banks do not loan money. He told me no but the shows the funds with approve from my Cestui Que vie trust account. Identify theft and embezzlement. I was approve due to my autograph as a promissory note. ( Truth in Lending Act ) UCCC 3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. First Nat. Bank v La loie ( Okla ) 537 P2d 1207, 86 ALR3d 309. 
PROMISSORY NOTE written promise to pay, frequently used in installment loans and commercial loans. A promissory note is the legal evidence of a debt, a promissory note may be transferred to a third party as a NEGOTIABLE INSTRUMENT. The holder of a promissory note who wants payment before the maturity date can negotiate it by endorsing the note and presenting it to the payer for payment. See also ACCOMMODATION PAPER ; NOTE ; ORDER. 

They are in violation ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I havent received any response back for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, or XXXX XXXX XXXX This is incorrect and needs to be removed from my credit file. Its clear that they are being negligent on purpose. Its been over 60 days at this point that I have received a response for the accounts mentioned above. All correspondence I sent to them will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX. We previously resided in XXXX XXXX XXXX Florida XXXX. 
We moved to California in XX/XX/2023. We used to have XXXX XXXX and XXXX insurance in Florida. Shortly after moving to CA we asked XXXX to transfer our insurance to CA state. But they said they couldn't cover the type of insurance that we needed in CA. So we canceled with XXXX and moved our business to XXXX. 

I called progressive since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with progressive and they said there was a premium amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Incorrect reporting to my credit report. ive been waiting months for a response

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 2023-05-30 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: NY

Complaint narrative:
On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXX  Account XXXX XXXX Delete this account because all three bureaus report different Date last active XXXX trans union XXXX XXXX [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ Trans Union XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.

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 2023-05-30 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: NY

Complaint narrative:
On XXXX i

sent the following letter via certified mail to all three credit reporting agencies.

To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXXXXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.

Company response to consumer: Closed with explanation