vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
I applied for a Verizon Credit Card ( Synchrony Bank ) on XXXX ( Reference Number : XXXX ) and was denied with a claim that my credit was " frozen '' through the credit reporting agency, XXXX. The freeze had been lifted two days prior to the application. I called Synchrony Bank and was told to reapply so they could transfer me to the underwriting department to address the issue " real time '' and help expedite my application. I applied a second time on XXXX and was still denied based on applying too quickly between applications. The policy apparently requires that you wait 30 days before reapplying. After calling again on XXXX, I was told to wait on a letter with a reference number and call back so that the denial issue could be addressed at that time. I received my first and only letter on XXXX ( Reference Number : XXXX ) which was based on the second application. The reason for denial on that letter was : " Prior application submitted too recently ''. I called Synchrony Bank again on XXXX and spoke with a fraud department manager who instructed me to apply again while we were on the line and she would be able to help process application immediately. After being put on hold for several minutes, she then instructed me that I would need to wait another month ( until XXXX ) before reapplying since it had not been 30 days since the last application. She thought that an override of the waiting period could be made on her part but was clearly not the case. This is the most frustrating credit card application process I have ever dealt with. Also, I am very unhappy that my credit score was " dinged '' three times without being approved and if I apply again at the end of XXXX it would be a total of four times. The manager assured me she would remove the credit reporting " dings '' and would like to verify this has in fact been accomplished. I am a brand new Verizon customer and simply want to use the Verizon credit card to pay my bill each month ( instead of my checking account ) so that points can be earned. My credit score is in the 800s and I pay all my credit cards on autopay each month in full. It definitely should not be this difficult to apply and achieve a credit card approval through this bank. Very disappointing and frustrating to say the least.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: AL

Complaint narrative:
1. I contacted TransUnion LLC on several occasions to have the fraudulent inquiry removed from my credit profile. TransUnion LLC refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to XXXX XXXX XXXX XXXX XXXX was deemed fraudulent. TransUnion responded by sending me an Explanation Of Inquiry letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX failed to request removal of fraudulent information.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TX

Complaint narrative:
There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, XXXX XXXX XXXX and NCB Management services inc for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and XXXX, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by NCB management who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from NCB management services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. NCB management services inc and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On XX/XX/2022, my partner and I submitted a pre-qualification construction loan application for a house we auctioned for. Later that day, the loan originator sent us another link to start a pre-qualification process. This created two loan applications. The loan originator said he had canceled the first application, but the bank nonetheless made two hard inquiries on our credit reports, one on XX/XX/2022, and another one on XX/XX/2022. On XX/XX/2022, we followed up with the loan originator and asked him about this since we never authorized two hard inquiries. We again followed up on XX/XX/2022, when he said he had sent this to upper management. We again followed up on XX/XX/2022. On XX/XX/2022, he just responded that he had " sent this on a while ago. '' On XX/XX/XXXX, he said he would send it to their credit agency representative to ask for removal. On XX/XX/XXXX, we called the three major credit agencies, and only XXXX took it off the credit report. However, XXXX and XXXX required a letter from NBT Bank specifically requesting the removal. We sent him that via email, and we tried calling the bank several times, but we could not get ahold of someone that would talk to us about it. They only took our information and never called back. The loan originator never responded to our email. So now we have an additional credit inquiry that shouldn't be there and a bank that won't help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below ha violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX  Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX XXXX HAVE VIOLATED MY RIGHTS 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed that Discover reported me 30 days late in XX/XX/XXXX. This was shocking to me because I value my relationship with Discover and have always paid this bill on time. The only thing I can think of as to why this payment may have been late is because I had a bad case of XXXX in XXXX of XXXX and I may have missed the payment due to being sick, or I may not have received the monthly statement. This 30 day late is impacting my credit score and I am hoping you can help by removing this late payment from my credit report. Doing so will be greatly appreciated and will allow me to secure the financing i need for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Inquiries 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 -USDOE/XXXX- XXXX -USDOE/XXXX- XXXX XXXX XXXX XXXX- reporting late paymentsXXXX 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  Truth in Lending Act The Fair Credit Reporting Act The Equal Credit Opportunity Act The Fair Credit Debt Collection Practices The Fair Credit Billing Act

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 2022-09-29 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: CA

Complaint narrative:
Further investigation reveals that Equifax will supply requested reports to creditors, but only if date of birth omitted from consumer data in report request. 

Obviously this is preposterous, impractical and illegal.

Company response to consumer: Closed with explanation