vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I discovered a fraudulent application for a credit card with Synchrony Bank / Amazon had been submitted in my name on XX/XX/2023. I first contacted Synchrony Bank XXXX Amazon on XX/XX/2023 in order to dispute this application since I did not apply for any new credit at this time. I was told that there was only one application submitted and that Synchrony Bank / Amazon, which was denied. I was told that, " per process, '' the details of my dispute would be forwarded to the credit reporting agency and that it takes between 30 and 60 days before I would see an changes or a resolution. I was also told I would receive a letter in the mail that contained summary information regarding my case. I received nothing in the mail, and, upon waiting the 30-60 days, I contacted XXXX who stated they had not received any information from Synchrony Bank / Amazon regarding my dispute. I contacted Synchrony Bank / Amazon fraud department again on XX/XX/2023, where I received the same information from my previous call, waited the 30-60 days, contacted XXXX, and again was told they hadn't received anything. I just contacted Synchrony Bank XXXX Amazon again today ( XX/XX/2023 ) and was surprised to learn that there were not just one, but THREE fraudulent applications submitted in my name, and that only ONE of the three were reported to XXXX from my first inquiry in XXXX. The agent took action to report the other two fraudulent applications to the credit reporting agency while I was on the phone. I asked this agent for written verification stating what actions had been taken up to this point and he refused to provide such documentation stating that per their policy they can not provide this documentation because these were " only applications, which were denied '' and that they could only provide written documentation if I were an actual account holder. XXXX has stated on multiple phone calls that they are unable to remove the inquiry from my report until they have received the proper evidence from the card issuer, which I am unable to provide since Synchrony Bank / Amazon refuses, and instead insists that they are taking care of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My company I work for is XXXX XXXX in XXXX Arkansas however it's showing XXXX XXXX in XXXX texas I worked there when I was XXXX actually so I don't understand why that is showing wrong I've never missed one day at the XXXX XXXX XXXX in Arkansas

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, XXXX, and TransUnion without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While TransUnion lists one late payment, XXXX indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus Equifax, XXXX, and XXXX without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While XXXX lists one late payment, Equifax indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus XXXX, Experian, and XXXX without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While XXXX lists one late payment, XXXX indicates two, and Experian reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and Transunion other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote a check in the amount of {$2800.00} to another Chase Bank customer who attempted to deposit the check on XX/XX/XXXX. The money left my account but was withheld by Chase from the other customer 's account for check verification and his account was subsequently closed. Chases XXXX verification system lists an incorrect phone number for me - I have had my phone number for nearly ten years and use it for two-step authentication into all of Chases online banking platforms. 

Subsequently, myself and the other customer both physically went together to a local Chase Bank branch in XXXX XXXX, XXXX, NY with our government-issued IDs, the original check, and Chase Bank cards linked to our respective accounts.

No resolution was achieved in-person. When we followed up with the phone numbers that the branch provided as next steps, we were each separately told conflicting information to solve the problem.

With no resolution from customer claims or the local branch, the Branch Manager escalated the issue to the Chase Executive Office last week ( XX/XX/XXXX ), at which point the other customer and I were each given separate case numbers. Our assigned case managers placed blame on the other customer and said there was nothing they could do to resolve the issue. It has now been a month and a half and there is no end in sight. 

Neither myself nor the other customer have access to this {$2800.00} as it is being held in a dispute status by Chase indefinitely. From my perspective, Chase has taken {$2800.00} from me and is holding the money with no intention of sending it either ( a ) back to me, or ( b ) to the intended recipient of the check. 

Any assistance to bring this matter to one of those two resolutions is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
They skip-traced and contacted my relative for some reason even though the creditor supplied my contact information that never changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IN

Complaint narrative:
This is pertaining to a debt that is not mine for the company XXXX XXXX for the amount of {$40.00}, they sent it to the Credit Management L.P. collections agency and the agency is now reporting I owe them a total of {$70.00} for the original amount plus fees. The start of the story : XX/XX/2023 : I called XXXX XXXX multiple times in XX/XX/2023 as we were moving to another state. I called before we moved out and AFTER we moved out to confirm our bill was settled. We moved out of WI in XX/XX/2023. I wanted to make sure our account balance was paid in full after we moved out. I was told by XXXX XXXX on the phone not only was it paid in full but, they had closed my account since it was paid in full and we had moved and were no longer customers. Then I got an email saying we had a balance ( after I had called and was told it was a zero balance and the account was closed ). I tried to log in online but, my login info didn't work since they had already closed out our account. I called XXXX XXXX later again in XXXX, and again, the person on the phone told me we had paid in full and the account was closed. I never received a zero balance confirmation after paying in full at the end of our lease term. They closed our account so I could no longer go into the online account to print off a zero balance. The company never called me. Next, they sent a bill to collections. They never called me about this. If there is a new bill for the address where we lived it should go to the landlord. I called the collections company Credit Management L.P. to dispute the charges. They had me fill out an online form. I never heard back from anyone and I am very concerned as these are not our charges.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been BOA cc customer since XXXX. My existing card did not accrue Rewards, nor have promotions so I asked BOA about a promotion. XX/XX/XXXX I called. The existing card charged 11.49 % interest BOA offered Unlimited 1.5 % Cash Back. No expiration, no fees. 0 % int. for 18 months. BOA sales included rewards on Balance Transfers, and if I spent XXXX, Id receive a {$200.00} cash reward. 

I applied. 

1. Now trying to set up auto pay for the Balance Transfer at 0 % interest,, but in XXXX, XXXX, BOA eliminated the option to autopay equal installments ( 0 % interest for 18 months ). 

2. BOA now says they dont give rewards on the Balance Transfers ( in my case {$5400.00} ). 

So I feel duped. I gave up my low interest cc ( 11.49 % ), as I believed I could get rewards on balance transfer, and I thought I could setup auto pay w. 0 % interest for 18 months, but BOA has eliminated that custom repayment option on their online website! BOA online banking options now limit customers to paying only the minimum due, or the entire balance. 

And get this, BOA advertises custom payments, right under the autopay setup link. I have a screen shot of that advertisement. I feel the promotion for new cards are deceptive and unethical of BOA. Consumers are being duped. I want my old credit card back!

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief