vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Still no resolution. I called again on XX/XX/XXXX spoke with XXXX on Synchrony Fraud team and she said all this time, they have been submitting the claim wrong, that is why it is being denied. Again, due to your fault, you have not taken the time to properly address this and meanwhile tack on hundreds of dollars in your fees, while I continuously report this as fraud. I just got a letter saying you are closing my account and reporting almost {$500.00} to the credit agencies. I requested this be closed multiple times since XXXX, and was told it was done. Why was it not done yet? Why was an extra {$100.00} added to the balance? 

Synchrony bank fails to investigate fraud, or protect consumer accounts. They continue to refuse acknowledging their gross negligence in protecting the security of my account, as this credit card was used without my knowledge and my fraud claims fall on deaf ears. " XXXX XXXX '' from the last response put zero effort into resolving this issue which I wil bring forward again until it is resolved. 

I opened a credit card in XXXX and made one purchase on XXXX. Shortly after, I destroyed the card. In XXXX Synchrony allowed this credit card to be used without verifying that the buyer had it in their possession. Since the card was long gone, there is no way the buyer could enter the XXXX digit security code on the card. I was not prompted via XXXX, and once I learned of the charges months later, I have been reporting fraud ever since through their fraud line, and no one has corrected it. It took multiple outreaches for them to close the card at my request, and they continue to open new accounts in my name with new account numbers, making it imposisble for their customer service people to locate the account to assist. Instead of correcting their mistake, they have snowballed interest and fees on this small balance for over two years, creating a bill of almost {$400.00}. My XXXX account is a shared account, as is the laptop, and this is not an uncommon practice among XXXX users. After 2+ years they will not disclose proof that I was without a doubt involved with these XXXX purchases. They can not show proof because there is NONE.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-09 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: KY

Complaint narrative:
Good morning, Accounts name : XXXX XXXX late payment : XXXX 2024 I have made all my payments correctly. I have contacted the credit bureaus over 4 times. What they are doing is an injustice. They are preventing me from purchasing my home. What they are doing is a mistake. I may have made the payment on time or there may have been a clerical error. Experian reports one date on XXXX and another. I sent them proof of the error. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to satisfactorily resolve this matter or remove the incorrect late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this incorrect information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. Sincerely, 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX Please remove old numbers and address! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hard inquiry for CITBANK NA., BEST BUY XXXX XXXXXX/XX/year>. I contacted CITBANK NA., BEST BUY they could not find anything on this inquiry.

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 2024-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
Ive been trying to refinance my loan with another company and they sent Villiage Capital a later requesting the 30 day Pay off and after their allotted 7 day period, company called Village Capital to see if they had an update on the payoff since the 7 days were up and they said they lost it and that we needed to resubmit our request which is delaying my process Im closing. After being harassed with phones day after day they still continue to call and dont want to send the pay off in order for me to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Car loan was paid off by insurance company after an accident. The bank was/is demanding that I pay and additional {$2500.00} for a salvage title. The car was not kept by me but by the insurance company. I've called XXXX XXXX  serval time and they will not help and keep transferring my calls to a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Acceptance and XX/XX/XXXX for XXXXXXXX XXXX I have attached a copy of the identity theft police report to this complaint.

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 2024-09-09 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
My account was sold to a different company after repossessed and sold. The balance on that account isnt accurate, and has a negative impact on my credit. There shouldnt be a balance of {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXL XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and Capital one says the information is accurate despite it actually being a fraud account. I never opened any capital one account in XX/XX/year>. Capital one won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and Jefferson Capital Systems LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts : XXXX {$2400.00} XXXX  {$2500.00} XXXX  {$1300.00} XXXX  {$250.00} XXXX {$170.00} XXXX XXXX  {$6300.00} XXXX XXXX XXXX {$0.00} XXXX {$290.00} XXXX  {$0.00} XXXX {$0.00} XXXX  {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$58.00} XXXX XXXX {$200.00} XXXX XXXX {$590.00} XXXX  {$760.00} XXXX  XXXX  {$220.00} XXXX XXXX {$9100.00} XXXX {$1000.00}. XXXX XXXX {$0.00} XXXX XXXX  {$46.00} The following inquiries are unauthorized. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I have tried since XX/XX/year> and they wont give me an answer as to why they will not modify my loan.

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 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good morning dear CFPB team, On Friday XXXX, I realized that my PayPal account was definitely suspended and when I called the customer care service number the agent told me that apparently the platform I used to withdraw my money from PayPal to XXXX used a VPN to connect to PayPal. My PayPal account is linked to XXXX ( the service that I use in XXXX to bring PayPal money to that country ). Today I got in contact with XXXX 's customer care service and they told me that everything in my account was correct and they didnt find anything suspicious. I send a message to PayPal attaching the evidences that proved that I didn't to anything illegal and that I never did something against their policies, however their only responde is a cold " the decision in definitive and there is nothing we can do there ''. I called back and the agent told me the same, that there is nothing to be done. I don't understand how they can take these kind of decisions without considering all the evidences and supports that shows that everything is ok, this goes against democracy and the right I have to defend myself by showing evidences. I'm begging you to help me because they retained me {$420.00} and will released that money within 180 days, it's not fair that a big company as PayPal believes that they are untouchable gods. Finally, I asked them through the message customer care service to indicated me the specific reasons why they suspended my account which they never did, only responded with the same " we are so sorry but we already made a final decision ''. Thank you so much for all your support. The evidence is in XXXX attached is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NJ

Complaint narrative:
I have attempted to address errors on my credit report with Equifax for the thrid time now. This is my final request to update and remove inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I asked the mortgage company why six months of added to my account after showing a XXXX balance for 2.5 years, without being told that they did so. Also a loan modification was done by the bank and denied without the bank telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following information on my credit report are in correct and I want them deleted immediately. The following addresses on my credit report are incorrect and should be deleted immediately : These addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX XXXX, Florida 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