vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to transunion ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

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 2022-06-12 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX ( reporting to experian ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.

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 2022-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.

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 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2022-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company showed up on my credit. I went through a very hard time, few of my family members passed away in a very short time of each other. And I lost my job. I fell behind on some of my bills. I did however keep every bill/bill collection I got. I looked through and I never received anything from midland credit. I tried to dispute this on credit bureau sites stating they didnt send me proof I owe the debt, not did they send me my right to dispute. 

I want all the documentation they have on this debt, that they own the debt and I owe the, the money stated. I also believe the balance is way off. The statue of limitations has expired on this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
COMPLAINT RE : SYNCHRONY BANK This is a complaint against Synchrony Internet Bank for holding onto account funds for an excessive amount of time ( two weeks ) in a high-yield saving account after request to close the account. 

On XX/XX/XXXX, I opened an account with Synchrony Bank and deposited {$270000.00} ( XXXX XXXX XXXX  XXXX XXXX dollars ). 

On XX/XX/XXXX, I attempted to close the account through Synchrony 's website and re-wire ( via ACH ) to my originating bank. This option was not available. 

On XX/XX/XXXX, I called Synchrony Bank 's customer service representative and was told I was not allowed to wire more than {$100000.00} and must wait a week before wiring another {$100000.00}. The representative agreed to overnight a check to me. 

After six phone calls and excuses made about an " internal bank mistake, '' the funds were finally wired to my account on XX/XX/XXXX, two weeks after my request.

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 2022-06-12 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2022, AT XXXX, I became aware of, and immediately reported to Chase Bank XXXX a {$1800.00} unauthorized XXXX payment to a XXXX XXXX with the email address XXXX. 

I did not authorize the {$1800.00} XXXX payment to XXXX XXXX nor did I input XXXX XXXX into XXXX as a payment recipient. 

i have never furnished my Chase Bank account USERID or password to anyone and I have not been the victims of a scam in which their USERID or password has been compromised. 

On XX/XX/2022, I initiated a claim # XXXX with the Chase Bank claims Department. On XX/XX/2022, I called the Chase claims department and was told the claim for the return of the unauthorized {$1800.00} XXXX payment was denied because the claims department " XXXX '' found no flags or triggers indicating fraud. 

A review of the JPMorgan Chase & Co XXXX XXXX XXXX profile clearly shows that Chase Bank is aware of thousands of Chase Bank customers complaints about rampant fraud on the Chase Bank XXXX platform. Chase Bank routinely denies account holders request for refunds for unauthorized XXXX transactions and blames the account holders for being responsible for the fraud. Chase Bank appears to have made a business decision not to comply with the requirements of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) relating to unauthorized XXXX transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, XXXX and EXPERIAN has not made any effort update any of what I requested with supporting documents.

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 2022-06-12 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/2022 my checking account and identity were compromised. A transfer from my savings to my checking account among several unauthorized fraudulent charges were made on my Chime bank account. The total amount of the fraudulent charges came to {$1800.00}. My account information including phone number, pin number and password were changed without my knowledge or permission. 
On XX/XX/XXXX the next morning when I started receiving emails that my balance was low, I called Chime to resolve the issue, and found I did not have access to my account. The customer service representative would not allow me access to my account without proving the last five transactions, which I could not provide for lack of access to my account. On XX/XX/XXXX, I was able to call again and finally received instructions over the phone that if I wanted to regain access I needed to prove my identity through picture ID. I did so, was able to reset my password and found the fraudulent charges and my bank account drained. 
I then called Chime again with this information disputing the charges on my account, providing the service representative on the phone with each fraudulent transaction. Chime filed the dispute. On XX/XX/XXXX and XX/XX/XXXX I received two separate emails from Chime about the dispute. They claimed that there was no error found and the amount recorded for the dispute came out to only {$1300.00}. It also was missing a disputed transaction. I made a rebuttal email asking to re-open the claim as the charges were made in Colorado, and I live in XXXX NY. I was able to obtain proof from my manager at work showing that I was at work in XXXX  on XX/XX/XXXX when the charges were made. 
On XX/XX/XXXX, I received a response from Chime stating that there was still no error. The amount of the claim was still incorrect. I requested the document used to investigate the outcome of the claim. In that document they stated their reasons for denying the claim. The reasons stated were either false, did not address the document I provided about my location, and were not evidential. 
I have filed a police report ( case # XXXX ) with the XXXX XXXX XXXX XXXXocal police department. I am still awaiting the official report. I have attached all corresponding documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was approved for a short sale during covid and lost the buyer do to covid. 
New Rez has violated some federal laws as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: FL

Complaint narrative:
The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. 


I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.

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 2022-06-12 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: FL

Complaint narrative:
The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. 


I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed.

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Complaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to Fidelity, the Check issuer despite showing as reversed on my Capital One account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XX/XX/XXXX. Three financial institutions are involved : Capital One ; XXXX Bank ; Fidelity Investments This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by Fidelity Investments to deposit to my Cap One account. Cap one should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called Cap one to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my CapOne checking account in late XXXX. 
The funds have never shown up in the Fidelity account from which the check was issued. 
Over the last months I have repeatedly called Cap One, asked for escalation, called Fidelity, Called Cap One with Fidelity and escalated the problem, including filing four prior complaints with CFPB. 
Each time, CapOne insists the funds were sent to Fidelity, and each time I check with Fidelity, they have no record of the funds coming back to the Fidelity account. 
In the last correspondence dated XX/XX/XXXX from Cap One they gave tracking details on the funds but maintained for the first time that they have sent the funds to XXXX Bank, who they claim act as transfer agent for Fidelity. 
I have called XXXX Bank repeatedly and been told that they will not deal with me as I am not a customer of XXXX Bank. 
I have called Fidelity numerous times and been told that the funds have not been returned to Fidelity and that they consider the matter closed as they see a check being cleared to Cap One and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my 401K account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and TRANSUNION, XXXX and XXXX has not made any effort update any of what I requested with supporting documents.

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