vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XXXX I was denied credit after applying in SAMS CLUB. I called bank for underwriter where i was transferred back and forth and advised to apply again. On or about XX/XX/2023 I received a letter for denial of credit by Synchrony Bank for SAM 'S CLUB. However, I claim all rights, titles, and equitable interest in accepted applications and securities. In response to denial I sent letter to XXXX XXXX XXXX of Synchrony Financial with no direct response but i did get response from XXXX XXXX ( Office the President ) who claims she was directed by XXXX XXXX. No questions were answered to any satisfaction. I responded to make aware of my rights for resolution to no desired response for denial of my right to credit. Sent follow up email and reached out by phone with no additional response. 

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 2023-12-13 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Citibank concerning the abrupt and unexplained closure of two of my accounts, which has resulted in severe damage to my credit score and overall financial well-being. 

On XX/XX/2023, I was shocked to discover that both of my accounts with Citibank had been closed without any prior warning or explanation. I immediately contacted Citibank 's customer service to seek clarification on the reasons for the account closures. Unfortunately, the representatives were unable to provide a satisfactory explanation for the closure of one of my accounts, and for the second account, their sole justification was that I had been late with a payment once. 

When I inquired if Citibank applies the same standard uniformly, closing consumer accounts solely due to a single late payment, I was informed that this was not the case. The representative could not provide a coherent explanation for the disparate treatment, I further asked the Citibank representative if there was any possibility of reinstating the account, he stated that reinstatement was not an option and offering no reasons for this decision. 

The abrupt closure of both accounts has caused severe damage to my credit score and credit report, which I believe is entirely unjustified. I can't help but shake the feeling that I may have been a victim of credit discrimination, especially considering the recent class action lawsuit against Citibank for discriminating against Armenian names. This raises serious concerns about potential redlining practices and prompts the question of whether Citibank engages in discriminatory practices against individuals of other races, ethnicities, or names. 

I am concerned that Citibank 's actions may be in violation of several consumer protection laws, including but not limited to the Equal Credit Opportunity Act. The lack of transparency and coherent reasoning behind the account closures is not only distressing but also raises questions about Citibank 's compliance with regulatory standards.

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 2023-12-13 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: IN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIB Group, Inc.
State: MD

Complaint narrative:
I XXXX XXXX continue to encounter inaccuracies in my report, particularly regarding two reckless driving offenses within the past five years. I have substantiated this claim by submitting an official copy of my driving record showing no reckless driving history in the last 5 years. I kindly request ( MIB ) to promptly update my records to rectify this error, as it is impeding the approval process for my life insurance application. While I acknowledge and appreciate the recent updates to my medical history, I respectfully request the complete removal of an existing error, as it continues to raise concerns among insurance providers during assessments. It is crucial to note that I have never experienced any of the mentioned medical issues in blood, XXXX, saliva tests or XXXX XXXX XXXX ). Your prompt attention to these matters is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep.

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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 



Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent letters to XXXX, Transunion, And XXXX Via Certified Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

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 2023-12-12 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: CT

Complaint narrative:
I sent letters to XXXX, XXXX, And Experian Via XXXX Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group
State: MA

Complaint narrative:
This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: NY

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX  I am not responsible, for I have tried to dispute these inquiries I even file XXXX  XXXX bankruptcy to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was notified via email that Citi credit card account has been compromised and a few unauthorized users were added to my account without my knowledge as a result multiple unauthorized charges were made. I called Citi fraud prevention and requested to open an investigation and to close my account. Citi refused to do it and issued another card that was hacked immediately. When I called the fraud department, my XXXX account that had my Citi card had unauthorized ppl added and they made multiple charges. I currently can't use my XXXX account because of the pending unauthorized charges that Citi never resolved. I called Citi and spoke to the fraud department more than 10 times with a request to close the hacked account and up to today, the account is still opened. Citi opened another account that was hacked immediately. I also received a card to my home address with someone else 's name that I did not recognize or authorize to use my card. When I kept requesting to close all my accounts with the Citi the answer is that they can't do it and I need to wait 3-5 business days. As a result, my XXXX, best buy, XXXX and XXXX accounts were hacked and unauthorized charges were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I called Chrysler Capital to report a XXXX XXXX Payment towards the balance of my car loan. The payment made was for {$1200.00}. I spoke to agent by the name of XXXX. XXXX provided that her XXXX Employee Agent Number was XXXX. I provided her with the XXXX XXXX reference number that is required a XXXX XXXX payment is completed. Up to date the payment I made of {$1200.00} has not been posted on my account towards my car loan. Today, XX/XX/2023, I called back to follow-up on why the payment has still not posted on my car loan. The first agent I spoke with stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and hang up on me. I called back and get a different agent. The agent stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me, other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay them. I requested to speak to a Supervisor. The supervisor stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. XXXX provided that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay Chrysler Capital. XXXX further provided that XXXX XXXX reference number for the payment I made of {$1200.00} on XX/XX/2023 was not sufficient enough information which is the opposite of Chrysler Capital expectations that specifically states on their website that to be sure** to call Chrysler Capital at ( XXXX ) XXXX with your reference number or master transfer control number once you have completed the payment process. ** My issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am currently on the extended graduated repayment plan with Mohela. I was placed on this plan during Covid forbearance. Once payments were scheduled to begin, I requested the switch to the standard repayment option so that my payments would qualify for PSLF. I made the request online in my account in XX/XX/2023, followed up by multiple phone calls and emails. My account was placed in administrative forbearance in XX/XX/2023 with payments scheduled to resume in XX/XX/2023. The repayment change has still not been made despite multiple calls to Mohela and assurances that the repayment change will take place within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Spring Oaks Capital, LLC
State: PR

Complaint narrative:
My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Spring Oaks Capital as a habitual and arrogant violator of law as you admit that Spring Oaks Capital perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Spring Oaks Capital has violated my rights as a taxpayer by not providing me with a 1099-C to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have 21 unauthorized inquiries on my credit report, I've called Transunion several times about these inquiries that do not belong on my credit report, one of the representatives told me that they would get the inquiries removed from my credit report when I checked my credit report again, I seen that the inquires were not deleted and the next rep that I spoke to told me that now I needed to mail in documentation in order to get them deleted but that is not what I was told the first time. Due to these unauthorized inquires that are on my credit report I have been so stressed out and losing sleep due to the fact that I can not get them deleted and due the fact that these UNAUTHORIZED INQUIRIES HAVE MESSED UP MY ABILITY TO OBTAIN CREDIT, WHICH IS ONE OF MY RIGHTS AS A US CITIZEN. According to the FCRA the three credit bureaus have to CORRECT False information and in this case they have not done so... 

Violations of the Fair Credit Reporting Act ( Failure to correct false information. ) I will list all the credit inquires here and I would like them deleted immediately due to the fact they don't belong on my credit report XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion

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