vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 2022-07-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # 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 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2022 at around XXXX I offered my social security number to my family members in order to finance their furniture at the Ashley Home Furniture store in XXXX New Jersey XXXX When giving my personal details to the sales associate XXXX XXXX, I specifically asked her if what I was signing up for was a credit card but she lied to me and said no it was just a reloadable gift card. Today, XX/XX/2022, I received an email stating that my new Ashley Home Furniture credit card was available to use. I reached out to the bank that issued it, Syncrony Bank and immediately canceled it. I reached out to the Ashley Home Furniture store manager and she did not even try to rectify her employees mistake and said that everyone knows that the card is a credit card and not a gift 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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
I received a credit collection from Ad Astra Recovery trying to collect {$1600.00} which was collected for XXXX XXXX. I have responded to them by phone telling them that I did not take out that loan and wasn't responsible for that collection. The collection is even on my credit and have lowered my score significantly. This collection from XXXX XXXX is a fraud and identity theft. No one will clear this problem. This has been going since XX/XX/2022 My file # with them XXXX. Please advise and clear my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Reference # XXXX After months of arguing Back and forth. All but XXXX claim has been submitted for a chargeback. The amount is for XXXX. I asked for the claim to be broken up into several smaller claims XXXX or less. My claim was denied yet again. Even tho I didnt receive and goods or services for the funds that left my account. I didnt make the transactions. Im just requesting that chase submit the chargebacks so I can recover my funds. Im told they can not resubmit it and Ill have to handle my issue outside of chase, but who else can submit a chargeback on behalf of them? After I called in to complain about them being 2 days past the date THEY stated Id receive my funds. I found out they restricted and are closing my accounts out of retaliation. Ive never been so abused by a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and TransUnion ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and TransUnion is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. XXXX is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.

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 2022-07-28 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: WV

Complaint narrative:
I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and XXXX ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. Equifax is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( Experian and XXXX ) are showing my debt severely incorrect. Experian is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. XXXX is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.

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 2022-07-28 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-07-28 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-28 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: NV

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC
State: TX

Complaint narrative:
The loan been updated every time it was bout to close so i received calls after calls harassing me and my household that I didn't know about!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.

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 2022-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have spent countless number of hours and times requesting the bureau to dispute these fraudulent accounts and I have not gotten a response on the removal of the accounts.

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 2022-07-28 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # s has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$190000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account # s has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$190000.00}

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