vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 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: VA

Complaint narrative:
Inquiries - XXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: TX

Complaint narrative:
It has come to my attention that TransUnion and other Creditors have been violating my consumer rights by reporting Collection/Charge-Offs and other derogatory information on my consumer report such as. 

XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX Account # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included in the consumer report. Yet TransUnion is reporting this information. The reporting excludes information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 Compliance. I need the transactions reporting as Late, Collection/Charge-Offs status, and any other derogatory information deleted from my consumer report effective immediately. 

Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics.

Some of the negative accounts have been placed in Collection/Charge-Off Status without mailing me a copy of the IRS Form 1099-C Cancellation of Debt. TransUnion and The creditors reporting Collections/Charge-Offs, Late Payments/other derogatory information in my consumer report are in violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities.

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 2023-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to my TransUnion credit report, I owe {$460.00} to some company called XXXX XXXX, XXXX, and that the account has been placed in collection. 

When I called XXXX, they can not find any record of me ( or anyone named XXXX XXXX ) in their system. I have never heard of XXXX. I did not open this account, nor authorize anyone to open it in my name. 

TransUnion has provided no proof that I opened this account, or that I incurred these charges.

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 2023-09-17 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$130.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: VA

Complaint narrative:
Inquiries - XXXXXXXX XXXX  Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.

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 2023-09-17 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: TN

Complaint narrative:
I am writing to address a late payment charge on my account for XX/XX/XXXX XX/XX/XXXX -- XXXX -- -- XX/XX/2022. 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section 1637 ( b ), is sent to the consumer a minimum of 21 days prior to the due date. 

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card from XXXX XXXX on the CreditKarmaXXXX website. I have an extremely high credit rating and they suggested that I apply for the credit card with excellent probability of getting accepted. They also advertise on TV and on their website that they guarantee {$50.00} if you get rejected. There are no particular conditions on why you get rejected. The application was one that was designated on the creditkarma website as guaranteed. It was very difficult to contact them but I did get a response and they told me that there was a specific process and I must follow each step closely or I would not get the money. They told me to wait for an email. I did not get an email and more than a month has passed. I now created a second ticket on their website. They responded immediately saying that it normally takes 10 days, but it has been 40 days! I am feeling that they are doing their best not to honor this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a letter in my email from Synchrony Bank that they closed my account after reviewing my credit report. I've had this account for months and payments were never late, nor has any other open account I have been late. I called the bank and the first agent I spoke with tried to say there were late payments reported to Synchrony Bank from the XXXX credit bureau. The manager I spoke with kept hiding behind the company policy that they have the right to close accounts at their own discretion. I pulled my credit reports after the phone call to find out the bank LIED and there are NO accounts with any late or missed payments. 

The bank could have reached out like others do to check in on my income but they didn't. And they should have since I recently gotten a promotion in my job. I will never do business with this bank again, never recommend them, and they really need investigated for these shady and dishonest business 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 explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
This debt is a result of identity theft

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This debt isnt mine this is result of identity theft and I demand it be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: MI

Complaint narrative:
These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank all of a sudden closed my Checking Account for Fraud then from that point on C.S. Reps hung up on me, I couldn't get online access, they even told the Branch not to give out any information. I still have over {$1300.00}. in the account that was secretly told to me by my Branch Manager and that was XXXX yr ago and still have NOT recieved a closing check or what Fraud .....

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 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
When they did send me something it was not verifiable as it was only a transaction history report that is vulnerable to fabrication and alteration. 

Refusing to process my chargeback reversals that me and the merchant lucky creek agreed to and if intentionally stalling the arbitration process and refusing to accept the documents I have provided numerous times Also refusing to file the chargeback requests for another merchant chumba casino who through no fault or authority by me debited my account many many many times.. 
I notified both of these merchants of my identity theft reports and police report case numbers in regards to this matter and they refuse to put these matters into arbitration or supply me my funds back and this has been going on since XXXX so. XXXX I need federal investigation done regarding these matters immediately and any time loss pain and suffering and other damages that can be awarded to me for this blatant disregard for my rights and the regulations set forth in the different laws and acts for these specific circumstances.. I ask for max penalty enforced unto chime for this stressful harmful and dangerous situation they have put me and my family in from this.. I am XXXX and I have rights as a citizen I only ask to have these rights protected and fully defended and the burden and cost be put onto this monstrous evil company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX Venmo froze my account XX/XX/16 they terminated my account Said I violated terms and that my balance ( {$22000.00} ) will be held up to 180 days. Would like a timeline of when they will release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Opening Account XXXX  the Chase Bank on XXXX XXXX XXXX XXXX NJ XXXX XXXX Never returned my XXXX State ID one of Two ID used to open account XXXX State ID. I sent Emails complaining, no response. In Bad faith My ATM card was never sent to XXXX XXXX XXXX XXXX NJ over 4 different times, Branch alleged it was sent. After moving to PA I requested 4 times for ATM card which was also never sent. Chase was addement on Policy of waiting period of month. After period was up Twice no card. mysteriously After 8 months & requesting ATM once again it was scent not to any address on File with chase due to " Waiting '' period I never gave XXXX XXXX XXXX XXXX PA XXXX out of fear that " Month period waiting ''. However a card was received & Once activated by me it was reported closed because Chase sent another card. Once this card was received & Activated the Card pin Was alerted as wrong according to chase. In my transaction today my pin was accepted by XXXX XXXX  on file with chase which asked for {$2.00} fee which I declined & When next door to XXXX, This ATM the same pin alerted Incorrect. A few minutes after talking to Chase '' who stated pin Incorrect " the pin worked & printed a Balance that can't process without a correct pin. The Balance showed Not Available after calling the Branch again today I was confirm the Account was Available of {$400.00}. I was told the pin was incorrect & have to wait XXXX days for a letter with A pin scent to the Address I never gave Chase, out of fear I would have to wait A Month. Furture more I letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about A platinum Card application which I never applied for. This City in PA XXXX XXXX doesn't have any chase Bank. This is why ATM Card was required. I'm filling A CIVIL RIGHTS Amendments Violation & Small Claims Case immediately in effect. Attached is Letters of Initial Submission of ATM Card Never received from Opening the Account in 2022, with A record of Letter to XXXX XXXX XXXX during These XXXX ATM card that was Mysteriously sent to Address never issued to chase because of " Policy '' of waiting a month. Now the Card that was received was closed & XXXX Card That was scent was activated & My pin was programmed Along with the first That's how I became aware the initial Card was Closed. Now Chase Alleged the pin is incorrect & is in process of sending me a letter with pin, which I obviously didn't Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Letter dated XX/XX/2023 from GM Financial Services that they are accelerating the loan in a vehicle I was behind on payments but cured the amount, the late charge of only {$90.00} was applied to the payment I made, and no letter was sent to me or an email that I there was a late fee assigned to the payment, instead they send a threatening letter demanding payment of {$90.00} or the note would be accelerated on XX/XX/XXXX, or in other words, they would repossess the truck, which I have alot of monies tied into. This is the same company who calls every day after the due date of the payment, sometimes twice a day including weekends. XXXX XXXX Veteran self employed as consulting engineer who has close to XXXX  XXXX owed to me from two deadbeat clients, not GM Financials problem, but I told them payment was coming and it was made, this letter is a show of threat and of a big company bringing their might upon a consumer without proper notice or consideration one would expect, {$100.00} gets my truck repossessed, thats XXXX  folks, are they within their rights, sure they are, does it illustrate how cold and uncaring they are or that they could have sent an email reminder rather than this letter which is beyond harmful and its on my credit bureau I'm sure,, {$90.00} XXXX dollars,,, unreal, I get the letter 4 days before the drop dead date, that's bad business practices, I plan on getting my bank to take the note over, I cant deal with this kind of XXXX as a XXXX Vet who is fighting VA for {$900000.00} of back XXXX pay, you see I know what it's like not to get paid, and these jokers pull this XXXX over {$90.00}?? They could have brought this to my attention by email, phone call or other means than this intimidating letter,,, I get the letter on the XXXX a XXXX, letter is dated the XXXX, repossession is for the XXXX,,,, its like they are setting me up to ail almost,,, ,Shame on them, Shame!! I am seriously considering suing them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted American Express and XXXX, XXXX and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : Amex Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief