vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc
State: AL

Complaint narrative:
I was inquiring about a possible loan in XX/XX/XXXX. I attach my checking account to the process as it was required. I received a charge on the next day about a membership fee in the amount of {$97.00}. I contacted them immediately to resolve this and requested a refund on XX/XX/XXXX for this unauthorized transaction ; theysent me an email sayingit was canceled. I never saw a refund so onn XX/XX/XXXX i chat with someone and I received a link to get my refund but never heard back from anyone. I contacted the again on XX/XX/XXXX and XX/XX/XXXX. I received a response stating I was in eligible because it wasn't within 14 days of the transaction. I feel as this was a bait and switch just to get money. My was unaware of any membership fee and once I did and requested my money they made it harder to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I XXXX XXXX have received my credit report today XX/XX/2024 and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15. USC 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I repeat I repeat I have contacted XXXX about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the XXXX data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports XXXX needs to remove these particular accounts I have told them numerous times XXXX needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
2late payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - Transunion needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024

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 2024-10-20 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 repeat I repeat I have contacted XXXX about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the Equifax data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports XXXX needs to remove these particular accounts I have told them numerous times XXXX needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX FL XXXX XXXX accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
XXXX payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - XXXX needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
In 2022 I assumed a loan from myself and My now ex-wife in order to avoid refinancing my mortgage. Freedom mortgage, who I never wanted to work with, but purchased my mortgage from the originator, then after the fact deleted my account without informing me and I have since been unable to view said account online because " the previous borrower 's information would be available to me ''. Time went on and I recently moved and purchased a new home on my own in another state, intentionally avoiding working with Freedom Mortgage, but they bought it out in the end anyways. I am now unable to view or manage the new mortgage online because they said " the accounts are linked by the Social Security Number and will never be allowed to have an online account again because the previous borrower 's information of the other account would be viewable ''. 

Complaint number One is that the previous borrower is myself and my ex wife, of which i still have the previous financial records from because they were all shared accounts so there is no viable reason to stop me from viewing my first mortgage. 

The second complaint is that I am being penalized on my new property because of the previous mortgage. 

It seems absolutely wild that consumers have ultimately no choice in who services what is likely to be their largest purchase of their lives and are forced to deal with companies such as Freedom Mortgage, who have been unaccredited by the XXXX XXXX XXXX due to their constant complaints. Against my will, this company holds $ XXXX of my risk and debt in their hands and refuses to let me view and manage it online as is the standard in todays age.

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 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Hello, XXXX. 

I recently received a message stating that it may no longer be possible to process payments on my account due to some restrictions related to PayPal 's service policy. I would like to understand the reason for this blockage, as I have already submitted all the requested documents. 

Could you kindly check and resolve this issue for me? 

I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
Accounts investigated and closed as requested by me. A fraud alert was placed on my report. And the accounts were closed. The hard inquiries also have to be removed on both XXXX and TransUnion credit reports. 

Please remove inquires XXXX  XXXX NA Inquiry date XXXX XXXX, XXXX and XXXX XXXX NA Inquiry date XX/XX/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 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank is being discriminatory with my Lowe 's and Sam 's Club credit cards. 
I contacted Synchrony Bank on XX/XX/scrub>/2024 to 1 ) obtain addresses from them to set up bi-weekly payments through my bank and 2 ) make a payment on both cards. 
They never put the payments through. Feel free to ask them for the phone recording. 
By the time my bank set up bi-weekly payments on XX/XX/year>2024, Synchrony had sent me two certified letters to get money for the Lowe 's account.

This bank turned me in for 30 day late to the bureaus.

This bank then lowered my credit limit on Lowe 's, then closed the account, then upped the monthly payments to almost {$100.00} minimum per month just for that one Lowe 's card which is petty.

Today, I just got an email that they lowered my Sam 's Club credit limit too citing " most recent delinquencies '' which is the 30 day late they reported. 

This is retaliatory because I gave them a bad review on the Better Business Bureaus page. 

I have other cards through Synchrony, too, which I'm waiting for their retaliatory proceedings to go to those, too.

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 2024-10-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that there are entries that I believe were included without my written consent. 

According to the FCRA, a consumer reporting agency may not furnish a consumers information to third parties without obtaining prior written consent. I have not provided any written authorization allowing you to obtain or furnish my information, which raises concerns regarding the legitimacy of this data on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my Equifax consumer report and noticed a consumer statement added to my credit file, i did not give verbal or written permission for a this statement to be added in my consumer file, i demand the consumer statement be immediately deleted from my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I disputed 2 charges with XXXX, one from XXXX and one from XXXX and submitted evidence from XXXX that the packages that were out for delivery on the same day, were not delivered and were marked as lost. XXXX did not give me my money back even after I submitted proof XXXX had lost the packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that there are entries that I believe were included without my written consent. 

According to the FCRA, a consumer reporting agency may not furnish a consumers information to third parties without obtaining prior written consent. I have not provided any written authorization allowing you to obtain or furnish my information, which raises concerns regarding the legitimacy of this data on my 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 explanation
Consumer complaint received 2024-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that there are entries that I believe were included without my written consent. 

According to the FCRA, a consumer reporting agency may not furnish a consumers information to third parties without obtaining prior written consent. I have not provided any written authorization allowing you to obtain or furnish my information, which raises concerns regarding the legitimacy of this data on my 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 explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following two formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX 2023, XX/XX/year>2023 It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of 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 explanation
Consumer complaint received 2024-10-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX CARD - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-20 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. Transunion, XXXX, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.

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