vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It all started when I received a notification on XX/XX/2023 because my profile information on my XXXX account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted XXXX about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my XXXX account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with Equifax on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX I believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called Equifax on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It all started when I received a notification on XX/XX/2023 because my profile information on my Experian account changed. I did not initiate the change. I continued to log in, and my password and the phone number associated with my account were both incorrect. I then continued to click on " forgot username '' and my username got sent to an email address that was not mine. I placed a free fraud alert on my account while this issue was being resolved. I contacted Experian about this change on XX/XX/2023, faxed them any information needed on XX/XX/2023, and have yet to receive a response about my Experian account. I also received a letter in the mail on XX/XX/2023 indicating a recent credit card application, that I did not apply for, was denied because they were unable to verify identity information. I have also received a notice of application denial for XXXX XXXX dated XX/XX/2023, for which I have also not applied for a lease. 

I checked my credit score and there was a hard inquiry on my account by XXXX XXXX XXXX XXXX on XX/XX/2023. I disputed this inquiry with XXXX on XX/XX/2023 and received an answer on XX/XX/2023. The results were : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX believe whomever gained access to my Experian account applied for a credit card and lease- to-own agreement through XXXX XXXX with my information. I did not apply for any of these and I placed fraud alerts on my accounts and locked my credit score to prevent any further fraud. I called XXXX on XX/XX/2023 to get more information on this dispute and next steps I need to take. This report is a part of those steps.

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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-23 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My XXXX got hacked and it says I applied for a credit card and I didnt I did a police report because my identity got stolen And theres also Victoria secret on my hard inquiries and I never applied it had one of them accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 seven 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 seven 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, my bank account was overdrawn due to a maintenance fee taken from my account. I called Bank of America and asked the representative to refund the {$12.00} fees that have been taken from my account without permission. I asked how long I have been charged {$12.00} and was told I was charged the fee since XX/XX/2023. The representative refunded {$36.00} for the months of XXXX, XXXX, XXXX. 

I requested to be credited back for all of the fees up to XX/XX/2023 and the representative said she couldnt. I advised the representative I did not give them permission to take anything from my account and that a complaint would be filed against Bank of America. When I asked for the XXXX to approve it, the representative said the XXXX would tell me the same thing and did not forward the call to a 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. Ally Financial was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact Ally financial who referred me back to XXXX and XXXX to resolve. When I called XXXX and XXXX they referred me back to Ally. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted XXXX XXXX who confirmed it was never in a bankruptcy and I was referred back to XXXX and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or 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 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with Equifax, and XXXX. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXX XXXX who referred me back to Equifax and XXXX to resolve. When I called Equifax and XXXX they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX was also never included in a bankruptcy. Those accounts were paid off. Both equifax and XXXX are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to XXXX and Equifax, who again failed to resolve the issue. These are just two of many examples of errors Equifax and XXXX have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from XXXX or Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a Citizen 's Bank Account in XXXX, PA. I was alerted to an " overdraft '' in my checking account this morning ( XX/XX/XXXX ). I logged into my account and realized that there was both a credit card and a ( second ) checking account opened under my current account, both of which I did not authorize. When I called Citizen 's Bank ( spoke with XXXX ) and was told that this opening had occurred with an " in person '' transaction in the Citizen 's Bank in XXXX XXXX, NY ( XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX is the branch manager XXXX ) on XX/XX/XXXX at XXXX pm in the branch. I called the branch office, the XXXX police to file a complaint, Citizen 's Bank, who have subsequently closed my accounts, and filed a fraud complaint with the,. Of concern was that they had an ID with my information on it, and, apparently, my social security number to open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent. 

At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX  XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers. 

Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices. 

The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards. 
Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in. 

The bank has not been charged with any crime, and it is cooperating with the investigation. 

SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX. 

I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices. 

Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA 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 monetary relief
Consumer complaint received 2023-08-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
# Original transactions : - On XX/XX/XXXX, I booked XXXX plane tickets for {$1400.00}. 
- On XX/XX/XXXX, I rebooked this flight for a later date. Since only one day had passed since the original booking, and the new flight date was further in the future, the new tickets were priced the same as the old ones, and the rebooking fee was indicated as {$0.00}. I completed the rebooking process without any request for payment. My card was not charged, and the new flight date was confirmed when I checked the booking code on the XXXX site. 
- On XX/XX/XXXX, the date of travel, I was informed at the airport check-in counter that " the ticket was never issued. '' I was asked to pay {$930.00} immediately or face denial of boarding. I believe the quoted amount represents the difference in ticket cost as if I were rebooking it on the day of travel, despite having already done so two months prior at a more favorable price. I expect the merchant to honor the price I was originally given. 

If any charges were required, I should have been notified on XX/XX/XXXX, and my card should have been charged as part of the rebooking process. Changing the travel date displayed on the XXXX system necessitates a payment, except for technical errors, which I believe is the case here. 

# Dispute with XXXX : This complaint pertains to Chase, so I'll be concise : I have spoken to XXXX twice, and their response has been that " I took the flight, '' leaving the core issue unaddressed. They have not discussed what transpired during the rebooking process on XX/XX/XXXX. 

# Dispute through Chase : - On XX/XX/XXXX, Chase acknowledged my dispute, in which I provided the aforementioned details ( CLAIM ID : XXXX ). 
- On XX/XX/XXXX, Chase sent me two letters : " We consider the disputed charge ( s ) valid '' and " Here 's dispute information from the merchant ( s ) for your review. '' The second letter essentially reiterates my conversations with XXXX, including evidence showing that " I took the flight. '' However, there is no mention of addressing the initial rebooking process. The letter also contained a form to continue the dispute, which I completed. 
- On XX/XX/XXXX, I received another letter ( CLAIM ID : XXXX ) stating, " We reviewed our original finding that you are responsible for the credit card transactions you disputed with us. '' Once again, there is no indication that anyone investigated the issue beyond accepting XXXX 's assertion that " I took the flight, '' which is not the point of contention in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Credit karma use false advertising pre-approval for me to run my credit and dont approve me for the account such as bank accounts things like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: Experian Information Solutions 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.

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 2023-08-23 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
This company is reporting and inquiry on my credit profile that I do not recall submitting! I have reached out to this company by mail and the company is non compliant, also there is no active account on my credit profile indicating that I made this inquiry! I demand the deletion of this inquiry!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
I've been disputing 3 late payment accounts on my Experian credit report for more than 6 months. They would not remove the late payments.

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