vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My vehicle convertible flew up on the expressway way. Ive had a insurance claim that will pay for the vehicle, but unfortunately I was denied with full coverage. Ally repossessed me while I had extension. The company apologize for the mistake and given my vehicle back. The dealership refused to help repair because I was in XXXX and Ive bought the vehicle in XXXX. I paid my account in full and the insurance claim was denied. Basically paying for vehicle o cant drive... broke down on the way to 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-13 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-09-13 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I fell victim to fraud in XXXX of 2022 I got an email from what I thought was a trusted bank email, asking me to resolve an overdraft fee. I gave them access to my account after a series of emails and they asked for my address and date of birth Once I gave them that I was no longer able to get in contact with them. So I was expecting to see the overdraft fee waived, but after about 3 days my account was locked and I received an email from the actual bank saying that they discovered some fraudulent activity from my account. I brushed it off because I haven't used the account since I overdrafted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: VA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
On XX/XX/2023 at XXXXXXXX XXXX I called Time Finance Company to return a miss call. I had a voicemail to call back XXXX which I did but since she was assisting another caller someone else answered and from the beginning was very rude. She asked if I was calling to make a payment I stated that I was calling regarding a XXXX call and to know what its about. She said to pay if I'm going to pay I owe {$710.00}. I asked if I may have a summary emailed to me because I wish to know where this extra charge is from, she refused and said why do I want that info I just have to pay. 

As a customer I believe we have that right to know where our money is going, what the balance of my loan is, especially if there is un known charges. 

I proceeded to inform her back in XXXX I made a bigger payment due to being behind, I stated the quantity, she got an attitude and getting smart yelling you were behind 3 months what did you expect. I agreed yes due to hardships I was and that's what the big payment was 3 months worth of payment so where is the {$710.00} from? She still didn't wish to answer my question just kept repeating if I am going to pay. 

That's when I started recording and informed I was recording the call she got angry, real defensive started yelling I don't have the right to record her I responded with just like they don't have the right to contact people I never had put as reference and have a restraining order against. She just kept yelling I don't have the right to record her said she no longer will speak with me I can call back and speak to a supervisor. 



All this over me asking where is the {$710.00} charge is and if they can email me a summary of my payments, interest rate, pay off balance? I would have never thought it would be a crime to ask for any of this information. If you go to XXXX reviews for Time Finance its the same story with other customers speaking how rude they can get that's why I rather file a complain than to call and speak to someone else who will probably give the same attitude or worse without answering my question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XXXX XXXX of XXXX, there was fraud committed on my Chase bank checking accounts. Large sums were spent in XXXXXXXX Nevada between XX/XX/XXXX and XXXX, that I did not authorize. I am a victim of fraud and identity theft. Chase didnt notify me when that person was making multiple transactions of thousands. All the transactions were in XXXX Nevada while I was at work in California, I couldnt have authorized those transactions. I didnt even get notified by Chase about any of those transactions. The fraud also changed my email by just 1 letter and added an extra letter j and changed my address in XXXX of XXXX  to New York and Ive never lived there which can be seen in my previous bank statements and drivers license, Ive been in California ever since I got the Chase account. The total sun of those transactions is {$15.00} XXXX. I was never notified by Chase that those transactions were taking place. I have a police report and FBI reports already filed and sent fax copies to Chase fraud department that they received XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe that the above actions or omissions directly contravene the provisions of 5 U.S.C. 552a ( b ), which states that federal agencies must ensure the confidentiality and integrity of individuals ' personal information and protect against unauthorized access or disclosure. 

I kindly request that your agency conducts a thorough investigation into this matter to ascertain the extent of the Privacy Act violation and take appropriate corrective actions to rectify the situation. I also request that you inform me of the steps taken to address this issue and prevent similar violations from occurring in the future. 

Please provide a written response to this complaint within 30 days, as required by law, acknowledging receipt of this complaint and outlining the actions taken or planned to address this matter. 

I take this matter seriously and trust that your agency will give it the attention it deserves under the provisions of the Privacy Act. 

This is no 3rd party I am real human.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The Kohls store card is managed by Capital One. Kohls/Capital One is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Kohls/ Capital One is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Kohls/ Capital One has not been able to refute this information/ laws. Instead Kohls/Capital One has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Kohls/Capital One stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Capital One use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Capital One is the fiduciary debtor.

Therefore based on my various written requests via certified mail Kohls/ Capital One should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Kohls/ Capital One account is not delinquent and the balance should have already been set to XXXX  as these requests have been made over 60 days ago. Kohls/Capital One also violated 15 USC 1666b by reporting the account as late and refusing to remove the late fee. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: LA

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
ALL LEDGERS FOR EVERY PAYMENT MADE, THEY REFUSED TO PROVIDE FOR ME. 
I ASKED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED PER THE CHARGE BACK NEVER RECEIVED BY MY BANK. LEGAL ADV THAT THIS AMOUNT WAS ADDED DUE TO MY BANK DISPUTES. THE FIRST WAS XXXXXXXX XXXX THE SECOND WAS XXXX SOMETHING. XXXX XXXX XXXX, XXXX IN THE CORPORATE OFFICE AND XXXX XXXX ALL ADVISED OF ISSUE NOW THEY HAVE CONSOLIDATED THE CHARGEBACK AS A LOAN. WHEN I TRIED TO CONTACT THIS MANAGER I WAS TOLD SHE NO LONGER WORKED THERE. THE XXXX  GUY IS CALLING MY CELL PHONE LYING ON TODAY AS IF HE DIDNT SEE THE CHARGEBACK LOAN, AS PREVIOUSLY ADVISED. I HOPE EVERY BAD THING FINDS ITS WAY TO EACH OF THESE INDIVIDUALS : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with a safe box attached, after the bank had multiple attempts of bank robbers, theives trying to rob my account and safe box the bank closed out my account they said it was a grand father account but they forgot to close out the safe box and they keep charging me for the safe box on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Opened up an account with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NY Purchased 2 carry on luggage bags.

Was immediately approved. 
Purchased luggage and 2 other items for a total of {$170.00}.

Card arrived roughly 10 days later. 
Tried activating the however I couldn't. 
Tried calling numerous times and was bounced around from dept to dept. 
Their customer service team is the worst of the worst. 
Turns out the reason why I couldn't activate the card was because it was already used internally by someone in their own office charging items even before my card was activated in the amount of {$140.00} in XXXX CA no less. We have not been to CA in 30 years and have XXXX intention of visiting in the future. 
Tried to resolve this numerous times. Have contacted compliance and the XXXX of XXXX XXXX - crickets. They just don't care. 
Demanded they close my account and they in turn hit us with a late fee even though we have proof payment was made many days before however they intentionally posted it late to shake us down for more money. 
Please help. These people are animals. I have spent many hours worrying about my credit and who has my information and when will it be compromised again. I have stellar credit and am worried about what the future holds in case I try to buy a car or home. Clearly, they don't care about it's customers.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX  XXXX # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX  XXXX5 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX  XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : 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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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