vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Hello, I purchased XXXX bar stool at Ashely Furniture on XX/XX/22. The advertised price online was listed as {$170.00} and they were offering XXXX XXXX  off for the XXXX XXXXXXXX XXXX  This was not an online special the was the normal pricing. I purchased the stools in store and was charged {$190.00} for each stool. I spoke with the manager at the store and she said the cost of shipping and tax was included in that price. On the receipt the cost for shipping and tax is not built into the price because there is a separate line item for shipping and tax. I requested to have the price adjusted and be refunded the difference she said she can't do that. There was no resolution for the false advertisement. No apology. I actually was questioned why did I purchased them if they were higher. I told the manager that I was not made aware of what I was being charged. The stools didn't have a price tag on them. I noticed by looking at my receipt. 
here is the link for the stool pricing on the website https : 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 monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
I need help with my account. I've been trying to get a hold of someone and get it figured out since Friday morning. I can't get a response on the app or via email. This is regarding my acct : XXXX XXXX. Email is : XXXX. Chime tag : $ XXXX XXXX I have an open support request ticket on the app and that number is : XXXX. Social Security Administration released my XXXX payment to Chime on Friday XXXX and it's no where to be found. The XXXX person I was able to get a hold of briefly just told me that you don't have it yet, you don't hold deposits, etc.. All the stock, default messages. I sent the proof of the payment being released to Chime also and verified with Social Security Administration that the routing and account numbers were correct. I'm just over the top stressed and in tears over this, as that's my only income and my bills are late, I had to cancel an important meeting regarding my late mother 's estate, due to not having any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name Collection XXXX XXXX XXXX XXXX  Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection XXXX XXXX XXXX XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX  Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05 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: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX  Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date 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 2022-12-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing a complaint because the Credit Bureau Experian has not followed through with their XXXX day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX2022 because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX- {$590.00} account number : XXXX XXXX XXXX  ( XXXX ) - {$400.00} account number : XXXX XXXX- {$2000.00} account number : 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 2022-12-05 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: PA

Complaint narrative:
Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2021, my CHASE visa card was charged {$5.00}, {$16.00}, and {$25.00} all on the same day with a location in XXXX. I live in, and was in, Arizona at the time. I was at the XXXXXXXX XXXX XXXX XXXX  that day, and did have my credit card with me, but they claimed they were ONLY ACCEPTING CASH that day. I filed a fraud claim with CHASE and it was denied because they claimed that the chip was " there '' and so the charges were not fraudulent. I then asked them what the charges were for as I had no receipts and I did NOT use that card that day at that facility. They told me they didn't have to provide receipts or tell me anything, really, because the card chip was " there ''. My average monthly credit card bill in 2021 was approximately $ XXXX. Which I paid off in full each month. Why would I submit a fraud charge for a total of {$46.00} when I had so much more charged on my card? I don't know why they couldn't/wouldn't/did n't provide receipts to me for what was purchased? Oh, because nothing was actually purchased. Usually I carry my cards in an RFID protected carrier. I believe I did not have it that day. Either way, they should have provided the receipts. It has now gone to collections and I owe {$400.00}. I have explained to the collections agency that it was fraud but I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MN

Complaint narrative:
I am a banker and under constant scrutiny from your agency. I recently pulled a mortgage credit report for a customer of mine from the credit bureau and he and his wife received promptly got 48 calls asking if they needed credit. It was discovered that the agency can sell this information, in this day and age that seems crazy. I know a person can opt out but that can take 5-10 days after a request and what consumer knows about that. Maybe the tables should be switched and they should be opted out until they request to be opted in. This would not happen to a consumer if the credit bureau was a bank! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2022-12-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: AR

Complaint narrative:
Southern Management Systems has called various times since XX/XX/XXXX regarding payment to The XXXX XXXX. 
On XX/XX/XXXX a payment was mailed directly from me to The XXXX XXXX and management confirmed via e-mail receipt of payment and closure of my account balance. 
Southern management systems has called XXXX other times since XXXX to collect this debt that has already been paid. Each time it is difficult to understand the speaker on the phone, and he informs me that I must write a letter disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
In accordance with the fair credit reporting act the following creditors have violated my rights : ( XXXX ) XXXX - Acct # XXXX ( XXXX ) Office of the Atty General - Acct # XXXX ( XXXX ) XXXX XXXX  XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Acct XXXX XXXX ( XXXX ) 15 USC 1681 Section 602 States that 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 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.

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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
Debt collector is saying that I owe debts I have no knowledge of or do not owe. I tried to contact company. The were unwilling to give me any information about this. Told me if I was a victim of identity theft it was not there problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Per request from XXXX XXXX XXXX XXXX - and without issue and interference - credit bureaus other than TransUnion updated my credit report so that the XXXX inquiries dated XX/XX/2022 and XX/XX/2022 are not reflected as hard inquiries. 


When I have contacted TransUnion, I have been repeatedly told that there isnt record of requests from XXXX XXXX XXXX Department. ( This does not explain the XXXX inquiry to the XXXX Department at XXXX in XXXX ). 


TransUnion has also sent me down rabbit holes with instructions to mail written authorizations for XXXX to comply with XXXX requests to update my credit report and to mail copy of confirmation letters that XXXX sent me of these requests. After doing so I called the Escalation Department for XXXX XXXX XXXX XXXX XXXX times XX/XX/2022 : The first phone call verified that the requested copies and authorization were received. 

The second phone call was a three-way call with the case manager at the XXXX XXXX XXXX XXXX When the Customer Dispute Center transferred the call to the XXXX XXXX, communication with the case manager was refused. 


The third time I called, the person I spoke with was reprimanding that hard inquiries can not be changed to soft inquiries, that TransUnion can not contact banks, and XXXX has to contact TransUnion. Which XXXX has done. 


She also instructed that I send a XXXX letter of authorization for TransUnion to discuss my file with XXXX. This is in addition to the prior letter of authorization that without splitting hairs authorizes discussion. 


The XXXX XXXX XXXX case manager has advised me that he has never encountered anything like this, that XXXX 's requests to TransUnion were electronically communicated as is normally done without issue and interference ; and furthermore, it is untrue that TransUnion can not amend hard inquiries to soft inquiries, and untrue that TransUnion can not contact XXXX. 


As a formality, the 2nd letter of authorization that TransUnion has asked of me is forthcoming. There is no assurance that the request is sincere. There was no point to the prior authorization and copies of documents that TransUnion requested and subsequently argued were without merit.

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