vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened the car in XXXX XXXX. With a limit of around XXXX. In XX/XX/XXXX my limit was dropped to XXXX. I called and tried to get someone to fix it but they treated me horribly. I asked for a manager and the person placed me on hold and came back to the phone stating a different name saying he was the manager. When I told him I knew he wasnt he argued with me. He told me they would not review my account or credit and that they dont make mistakes. They told me that was all I could have so i instead asked for an increase with another card and was granted it so I didnt need to use this card. I just received post dated for XX/XX/XXXX saying they made and error and should not have approved me in XXXX stating my score was XXXX at that time. It was not. My score at that time was 690-700 between the three bureaus. I also did not have high balances on my cards and this letter said that I did. This is a shady business practice because this is not my information and this company needs to be investigated for credit discrepancies or inaccurate reporting. This is synchrony Ashley furniture store card.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX -Acct # XXXX. 4 ) XXXX XXXX-Acct # XXXX 5 ) XXXX XXXX- Acct # XXXX 6 ) XXXX XXXX. XXXX 7 ) XXXX XXXX Acct # XXXX 8 ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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 U.S.C. 1681c-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 2023-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello my complaint is with the actual credit reporting agency. 
My credit score doesn't not reflect my credit worthiness. I went from an XXXX to and XXXX within two months for not reason. 
First my score dropped XXXX points because I used less than 1 % of my available credit so it made my score XXXX then it dropped XXXX points because I paid off a car loan bringing it to XXXX. I don't understand why this is happening to me, it has happened over and over again and I have complained to the credit bureau letting them know their algorithm is wrong and they tell me that I have to contact the creditor and in these cases there isn't a creditor it's the credit reporting agency. 

There isn't anyone I can complain to nor is there anyone that will take responsibility for the software they are using that determines what a person credit worthiness is based on what ever criteria they base it on. There is not way my credit score should XXXX for the transaction I performed on my credit. I don't have any delinquencies on my report, never paid laid ; have paid of several debits and am continuing to show I am responsible with credit. 

I don't know who to complain to so this can be corrected ; Their software incorrectly, dramatically lowered my score for no reason. 

I need help, please help me this is affecting any sort of financial decisions I want to make.

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 2023-06-10 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: GA

Complaint narrative:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

1. Santander Comsumer U 2. XXXX 3. XXXX XXXX XXXX  XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I e-deposited a Wells Fargo bank check of {$96.00} ( XXXX XXXX XXXX ) to my XXXX XXXX XXXX checking account on XXXX XXXX XXXX. The Wells Fargo bank claimed it was paid, but my bank never received, hence, it reflected as a returned item. Wells Fargo staff said I need to contact the check issuer who claimed it's the bank that didn't pay.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received a letter dated XXXX from TransUnion stating they were unable to locate a 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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I, the consumer and natural person, was denied credit by JPMorgan Chase Bank , National Association when I applied for consumer financial product or service referred to as Chase Freedom Card. Adverse action against a me as consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. JPMorgan Chase Bank , National Association is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by JPMorgan Chase Bank , National Association due to the response I received in adverse action letter. JPMorgan Chase Bank , National Association is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, JPMorgan Chase Bank , National Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I called the credit reporting agencies and let them know the inquires in the documents are not to be on my consumer report. I never gave them any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I called the credit reporting agencies and let them know the inquires in the documents are not to be on my consumer report. I never gave them any consent.

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 2023-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ( {$51.00}, XXXX ) DEPT OF ED/XXXX ( {$25000.00} ; {$25000.00} ; {$21000.00} ; {$17000.00} ; {$14000.00} ; {$13000.00} ; {$12000.00} ; {$12000.00} ; {$8500.00} ; {$7700.00} ; {$7600.00} ; {$7600.00} ; {$6800.00} ; {$6400.00} ; {$5600.00} ; {$5400.00} ; {$5300.00} ; {$2900.00} ; {$1100.00} ) As of today, I have disputed the above accounts with the Consumer Reporting Agencies . They've failed to validate the accuracy of these accounts, yet refused to remove them. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 crimes which antedates the report by more than seven years.

15 USC 1681 s-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 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 2023-06-10 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: WA

Complaint narrative:
Synchrony seems to be illegally denying credit accounts under false/incorrect pretenses, even though they may not do it on purpose. 

I have tried to apply to the PayPal Cashback Mastercard, which is issued by Synchrony bank. 

I have applied multiple times during the month of XX/XX/2023, as well as today, XX/XX/2023. 

I keep getting denied by Synchrony Bank because my XXXX credit file is allegedly frozen. I am receiving denial letters from Synchrony stating the same. 

It is true that my XXXX file was frozen the first time I applied. I have immediately unfrozen it and reapplied, but it was subsequently denied for the same reason. 
I have then left my XXXX file unfrozen for over 30 days, then reapplied again today ( XX/XX/2023 ), having verified both online and by calling XXXX that my credit file is in fact not frozen. I have been denied every time, for the alleged reason that my XXXX file was frozen, which is materially false. 

In the denial letters sent by Synchrony bank on XX/XX/2023, they merely state " Unable to access your credit bureau file due to a freeze. ", mentioning the address of XXXX. 

I have called PayPal in XX/XX/2023 and on XX/XX/2023 in order to try to resolve the issue. They say they can't advise, because the credit account is opened on the Synchrony side, and Synchrony handles the credit approval. 

I have called Synchrony ( last time today, XX/XX/2023, at around XXXX PDT - Pacific Daylight Savings Time ), but after transferring me from department to department, they forcefully transferred me to PayPal even though I told them not to. Because Synchrony is the bank approving the credit account and the one sending the denial letter, I believe Synchrony is at fault. 

I have exhausted all my possibilities : - Trying to reapply - Double-checking with XXXX that my file is unfrozen - Calling Synchrony Note that a quick google search of the keywords " synchrony frozen paypal transunion '' will yield multiple reports of the same issue. This is clearly not isolated to just myself. Synchrony seems to be illegally denying credit accounts for implausible reasons. 

Note that I am a Synchrony customer ( I have a savings account opened with them )

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Lately as Ive been monitoring my credit report Ive continuously noticed repeated errors and changes as it relates to my credit reports. Is there a reason this is continuing to occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am writing to report a violation of the Truth in Lending Act ( TILA ) by [ Loan Servicer 's Name ], regarding my recent loan account with their institution. I seek your assistance in addressing this matter and ensuring that my rights as a consumer are protected. 

On XX/XX/2023, I initiated the process to pay off my loan with ACIMA. The original principal balance of the loan was {$330.00}, and I expected the final payoff amount to be consistent with this principal balance. However, to my surprise, the payoff balance quoted by the company amounted to {$730.00}. 

Upon inquiry, I discovered that the inflated payoff amount included exorbitant Non-Sufficient Funds ( NSF ) fees that were added to the balance. These NSF fees were levied due to a failed attempt to debit my account for the payment. I contend that the inclusion of these NSF fees as part of the payoff balance violates the TILA and consumer protection laws as I never ever received a billing statement by mail to advise of such charges being added to the principle balance. 

Subsequently, I contacted ACIMA to request a refund of the {$340.00} in NSF fees, which were wrongfully included in the payoff balance. In response, the company stated that these fees could be treated as part of the payment and added to the payoff balance. This assertion contradicts the TILA and is an unfair and deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called the credit agencies and informed them the accounts attached are not to be reported to my consumer report. I never gave permission.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 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, has violated several of my rights. 

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief