vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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: FL

Complaint narrative:
1 ) In accordance with the Fair Credit Reporting act 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

2 ) In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-10-02 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, & XXXX have 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NC

Complaint narrative:
As you can see Transunion said they validated this information by the attached old complaint, but if you review the information I provided, there are several items that are being reported inaccurately and illegally.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Through my XXXX account I applied for a JP Morgan Chase issued rewards credit card. Chase pulled my credit report on XX/XX/2022. When I contacted them in XXXX because I had received no response I was told to just resubmit an application which I did. Chase again pulled my credit report on XX/XX/2022. I know for a fact that my credit score was good/excellent on both occasions. The credit applications show as hard inquiries on my credit report and did slightly decrease my credit score. It is now XX/XX/2022 and I still have no response to either application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I sent letters to XXXX, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) In accordance with the Fair Credit Reporting act 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

2 ) In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: PA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/22 Ordered XXXX XXXXXXXX XXXX on XXXX. 
XXXX Order # XXXX. 
XX/XX/22 XXXX charged {$280.00} to my Capitol One account. 
XX/XX/22 Seller placed springs  ( 34 lbs of steel ) into a single layer cardboard box for shipping. 
XXXX XXXX # XXXX. 
XX/XX/22 XXXX XXXX placed an empty torn up box near my front door. 
XXXX was contacted, representative was in another country and very difficult to communicate with. 
XXXX  Claim # XXXX. 
XXXX was contacted. They said they will contact seller. 
XX/XX/22 left on a trip for 18 days, I had limited access to email and phone. 
Contact to Seller is only through XXXX, Seller said they would refund the purchase when I return the item, I never received the item. 
XXXX said they lost the item and closed the claim, they said the shipper would need to file a claim, they provided no written information, only verbal. 
XX/XX/22 XXXX was contacted again they opened a case. 
XXXX XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$270.00} charge. 
XX/XX/22 returned home after being away for 18 days. 
XX/XX/22 XXXX closed the case because I did not return the item, I never received the item. 
XX/XX/22 Capitol One Reinstated the {$280.00} charge. 
XX/XX/22 Copies of all the information I have was submitted to Capitol One. 
Capitol One XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$280.00} charge. 
XX/XX/22 Capitol One reinstated the {$280.00} charge, they said XXXX told them that I received the items in good condition. 
Please note the screenshot from XXXX stating that I received an empty box and the seller should reply. 
XX/XX/22 Capitol One was contacted, they said I need to resubmit the letter that I already sent on XX/XX/22 and I did. 
XX/XX/22 Capitol One Denied the claim. 
XX/XX/22 Contacted Overseas Capitol One Customer support and was told I had not supplied the necessary documents. They could not stay what was missing. I asked to speak to someone else and a Supervisor said that since there was no written proof that XXXX lost the parts, Capitol One could not do anything. 
XX/XX/22 Contacted XXXX and was told that since I filed a claim with Capitol One, XXXX could not do anything. 
XX/XX/22 Contacted Overseas Capitol One Customer Support and asked to speak with American Customer Support. American said to re-submit everything and American support would take a look. 
XX/XX/22 Capitol One Denied claim again because it was more than 60 days past the transaction. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from Capitol One. 
I do not understand why I am being charged for something I did not receive. 
Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Im viewing my credit reports and I have account information on them that I had no knowledge of the account information or transactions and it is identity theft and I have been trying to report this for two years with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: FIRST HAWAIIAN, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, & XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I dont know this company and I want this account removed immediately off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I attempted to cancel my credit card account with CitiBank. After spending XXXX minutes on the phone with the company, and confirmation from the company that my account is cancelled, I received a email that they have opened up a new account in my name. I did not authorize this. I believe that my account is cancelled now that I called them back. However I wish to ensure this.

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 2022-10-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX ) The XXXX XXXX XXXX account has been on my report since XXXX ( 25 years ), it was closed in XXXX XXXX statute of limitations is only 7 years, so this account should have been DELETED in XXXX. 

XXXX ) XXXX XXXX  was last reported/closed XXXX, this also exceeds the statute of limitations of XXXX  years and should be DELETED from my credit report. 
XXXX has deleted this account after i requested it based on this fact. 

XXXX ) XXXX  was closed and last reported in XX/XX/XXXX per XXXX and XXXX, again this exceeds the 7 year statute of limitations and should be DELETED from my credit report. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX was closed and last reported in XX/XX/XXXX, again the statute of limitations is only 7 years.This account is more than XXXX XXXX XXXX and should be DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Triton Management Group, Inc
State: AL

Complaint narrative:
Someone applied for a loan with Always Money and they had a credit check inquiry. Now it is showing on my credit report. I spoked to a rep at XXXX snd she placed a hold on my credit report. I called always money on XX/XX/2022 and they have not gotten back with me. I attached a copy of letter they sent about the loan. I did not request for a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CO

Complaint narrative:
I took out a loan from this company around XXXX for XXXX wherein I agreed to pay XXXX until the balance is fully paid with an APR of 13.47 %. Recently, I have made efforts to reduce the amount that I pay monthly in interest by making the monthly payment before the due date. I realized some months ago that the company is overcharging me in interest, effectively penalizing me for making early payments. 

Yesterday, XXXX, I reached the company by phone and the representative indicated that Instead of accessing interest to the current principal balance remaining, they are using some unreasonable ( maybe illegal ) method of calculation. For example, even though my balance is actually lower this month than last, Ive been assessed interest of XXXX as compared to the last accrual before payment of XXXX. 

I dont have a statement which I can provide since the company does not make statements available to customers. However, I do have an accurate inhouse accounting of my payments. One of the reasons I took the loan with this company was because they promised no penalty for early payoff of the loan but the way they are playing with the accrual of interest to accounts amounts to a penalty for early payment. 

The remaining balance on this loan now is XXXX and I am paying more in interest than I was at the beginning of the agreement. I told the company representative that what they are doing amounts to a scam but their representative informed me that there was nothing he could do about it. Even though I have never missed a monthly payment, Im being charged more for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a care credit card at my vets office without being told by an actual care credit representative on how care credit interest charges work, or how the care credit card itself works. Care credit is not supposed to approve applications when done through the vet offices, but they did. So I opened this card and was only told by the vets office that if purchases were paid off within 6 months, there would be no interest charges. But I was never told that care credit will charge you HUGE amounts in interest and that each payment you make, will NOT go toward the oldest charge and promotional offer that expire first, and to do that, you have to call care credit and make payments over the phone every month and verbally state or specify which charge and promotional offer to apply your payment toward. I was never told this by anyone when opening my account. That is extremely deceitful and bad business. So whenever I made payments, care credit did not apply it to the oldest promotional offer, like they should have. I never received any information on how care credit interest works, when first opening my account at the vets, nor did I ever speak to a care credit representative at all when opening my account. They charged me {$790.00} of interest in XXXX of 2022 alone, due to expiring promotions. I was charged other large amounts of interest like that in other months because of expiring promotions again, racking up my bill and making it impossible to catch up or pay off. I never missed a payment and always paid more than the minimum. I called in XXXX of 2022 to talk with the company and even a manager and tell them I had no idea this was how they worked and that it was crazy to charge people these large amounts of interest and I asked them to please reverse at least some of these insane interest charges so I could catch up and pay off this card and they refused to work with me. Anytime I told them how I was not informed on how their credit card or interest worked, they ignored me and kept saying they could not help 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 explanation
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Eye would like for the non-affiliated third party consumer reporting agencies such as XXXX, XXXX and equifax to produce the personal responsibility contracts, contractual obligations and/or partnership that Eye as the Natural Living Man established with them before since that already had personal information about me established in their database system before Eye was birth by the Natural Living Woman! Please be advised that everything is contractual in Nature, so when did Eye grant such financial institutions the privilege to benefit off of my sweat equity, property and intellectual property? Provide the proof.

Company response to consumer: Closed with explanation