vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/23 I was in XXXX XXXX store in XXXX XXXX. The cashier asked me if I wanted their frequent shopper card ; I replied " Yes, if it is not a credit card. '' She told me it was not a credit card and proceeded to ask my name, address, etc. When she asked for my ID and Social Security #, I again asked " Are you sure this isn't a credit card? I don't want a credit card. '' She assured me it was not, stating " They want this information even for the frequent shopper card. '' About 4 hours later, I received an email from XXXX stating there was a hard credit inquiry on my credit file from Synchrony Bank. The XXXX XXXX cashier had signed me up for a XXXX XXXX XXXX credit card, not a frequent shopper card! I immediately called Synchrony Bank to cancel the credit card and to explain the card was opened without my consent. That same day after talking with XXXX again plus XXXX and XXXX, they all informed me the hard credit inquiry remains on my credit report for 25 months and only Synchrony Bank can remove it. I have called Synchrony Bank 3 more times to have the hard credit inquiry removed, each time speaking with a different person and each time explaining exactly what the problem is. They have sent me 4 letters, 3 of them identical wording, stating they will not remove the hard credit inquiry because " all the information on my credit file matches with the information supplied at the time of application. '' I mailed them a letter XX/XX/23 explaining my complaint is that I did not knowingly apply for a credit card. On XX/XX/23 I spoke with a manager of XXXX XXXX who told me she can't do anything to help me, only the bank can. She also told me there is no frequent shopper card. She said the staff would be retrained and " I'm sorry, but you came in the wrong week to shop! '' Synchrony did close the account immediately and sent me two letters stating that. All I am asking is to have Synchrony Bank remove this hard inquiry from my credit file because it affects my credit rating and the card was issued without my consent and authorization. It was misrepresented to me.

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 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, obtained this debt because my dog became very ill. I managed to use my mothers XXXX XXXX and sign up for this a plan to be able to only pay as less as I could during that time, due to being laid off from work. I did visit ban field again and was behind on payments within the first 2 months, and I couldn't have my other dog seen because of it.

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 2023-09-27 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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized any of those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-27 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-27 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: MA

Complaint narrative:
Hi XXXX  Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important 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 2023-09-27 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: MA

Complaint narrative:
Hi DCU Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: MA

Complaint narrative:
Hi XXXX Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the Servicemembers Civil Relief Act ( SCRA ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the SCRA, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In a letter dated XX/XX/2023, American Express ( AE ) suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address. Attached hereto is a copy of the letter. I have never been notified of this in the more than forty-five years as a Card Member. AE has always maintained my business address for my business card and has never requested my physical address. On XX/XX/2023, I called AE to demand my business card be reinstated and after thirty minutes of being passed around, I spoke with XXXX, supervisor located in North Carolina. The call was consented taped recorded. In speaking with XXXX she stated AE suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address as required by Federal guidelines. I questioned XXXX what were the Federal guidelines AE is asserting as a reason for suspending my charging privileges. I asserted that the letter did not cite any authority to base their decision. And requested to cite the authority that requires I provide a physical address when my credit card is for business only and AE has always maintained my business address. XXXX failed to cite or assert any authority and stated she does not know of any federal guidelines to cause my charging privileges to be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested a FCRA Section 611 ( a ) ( 6 ) and ( 7 ) method of verification for a previously disputed item on my credit report. Per the FCRA the CRA has 15 days to respond to my request. They did not respond in the allotted timeframe. They are in direct violation of the FCRA. I ask that the item be deleted off of my credit report based on noncompliance by the credit bureau. 

The acct is : XXXX XXXX XXXX XXXX acct # XXXX {$750.00} Original Creditor XXXX XXXX XXXX The letter sent was received by Transunion XXXX XX/XX/23. 
USPS Tracking # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a student from XXXX University. 
On XX/XX/2023, I deposited {$7000.00}, which is the second half of my tuition, into a Chase ATM in XXXX XXXX. 
The ATM machine ate my money and gave me a small ticket for reporting an error. I contacted Chase as required by the ticket, but did not receive any valid response. 
Now, as a result of being robbed of {$7000.00} by Chase, I am facing expulsion from school for lack of tuition. Chase 's behavior is a gross violation of the spirit of liberty and equality in the U.S. Constitution and is full of XXXX vitriol. 
In the supporting documents are the ATM 's error ticket and the photo I took of the money before I deposited it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
The following points will be in the order in which they happened : XX/XX/XXXX Phone was stolen late that night XX/XX/XXXX I realized that phone had been stolen immediately called Cash App, XXXX and our local police dept. 
XX/XX/XXXX spoke to XXXX advised of charges : {$500.00} to a XXXX XXXX, {$170.00} to a XXXX XXXX and {$100.00} to XXXX XXXX there was a charge to XXXX  in the amount of XXXX but it was denied. 
XXXX responded with " based on our review {$100.00} was still pending and i had to wait for it to be completed. She then stated that I had to reach out to support and deactivate my card. Once that was done I could dispute the transactions once they were complete. 
They had me answer some questions, change my pin and wait 10-14 days until an agent would be contacting me. I was then advised that it may take 45 calendar days to review and resolve claim. Then I was told that my claim had been escalated and my reference number is XXXX. 
XX/XX/XXXX I requested update. Was transferred to a specialty team who will provide documents on which their claim was based. 
XX/XX/XXXX requesting update for reference XXXX, I the then had to give them the transactions i was talking about. 
XXXX until present day i have been doing this. i have sent the police report as well as the XXXX receipt to them 7 times. I am continually denied and told that i authorized the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Went delinquent on credit card with Navy Federal Credit Union in XXXX. They later sent me a letter through USPS giving 3 options to settled the debt. I chose Option 1 and settled the debt paying balance of {$910.00} with check sent certified mail and check was cashed soon after they received it.I will attach such letter. I am now being sued with a set trial date of XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, by another company that seems to have purchased the debt from Navy Federal Credit Union. I believe this is a violation of Federal Fair and Trade Acts, or some other violations and I beg this to be examined and investigated and cleared as soon as possible. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: DISCOVER BANK
State: CA

Complaint narrative:
I was denied credit by Discover Card Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and XXXX to update my credit report AND my XXXX credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my XXXX credit score continues to suffer due to XXXX, XXXX, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, XXXX, and XXXX to send updated XXXX credit scores yet I have not received them and/or they want payment for the XXXX credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and XXXX repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and XXXX not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and XXXX, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation