vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are several inaccurate and unfair accounts on my consumer report. The banking system is dependent upon my consumer report being fair and accurate. Without my consumer reporting being fair and accurate to me I can not extend my credit and provide for my family. I was never notified from TransUnion that the accounts in the letter attachment would be furnished on my report. TransUnion failed to do the initial investigation for these reports and ask me if the accounts were mine or if I wanted them furnished. This grave error has undermined my confidence in TransUnion. TransUnion assumed the role to furnish this information on my behalf. I did not give them my written consent to furnish any of my private information. Please see my following letter for all accounts to be updated or removed. The accounts I am specifically talking about are attached and uploaded as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiry listed below is a fraudulent inquiry that is being reported on my Equifax credit file Ive contacted equifax three times and received three different removal confirmation numbers which is listed below along with the name and date of the fraudulent inquiry also included is a identity theft report. 

Equifax Inquiry Removal Confirmation Number XXXX, XXXX, XXXX Equifax Fraudulent Inquiry XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bought Merchandise from XXXX and XXXX! Located here in XXXX OH! I returned the Merchandise ( Shoes ) back to the local Stores and was credited between XXXX and XXXX approximately XXXX $ from XXXX  and approximately XXXX $ from XXXX back to my Chime Debit Card! 

Couple Days before XX/XX/22 I received an email to provide Documentation, that I was the original Buyer of the returned Items! Account was suspended by Chime on XX/XX/22! 

I emailed on XX/XX/22 to XXXX documents from my XXXX account to support my Purchases! I was asked again by Chime Days later to send receipt about my XXXX Purchases! 
Emailed on XX/XX/22 9 to 10 emails to XXXX and since then, heard a word back! 

Called 20 to 30 Times to speak to Supervisors, escalated my concern, nothing was done! Account still suspended with XXXX $ on the account! Either they lift the Suspension or close my Account! I want my money out of my Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
You've 1 dishonored violated 15 USC 1692c ( c ) by RESPONDING TO THE C & D INCORRECTLY. YOU THEN SENT A PAYMENT HISTORY OF NOTHING. YOU THEN LIED ABOUT AN COLLECTION AGENCY UNDER FEDERAL LAW. I HIGHLIGHED EVERY VIOLATION YOU BROKE UNDER THE FDCPA WITH THE USC. NOW NEXT TIME YOU VIOLATE AGAIN & NOT GIVE ME WHAT I ASKED FOR I WILL PROCEED WITH A FEDERAL COURT COMPLAINT. IF THE ACCOUNT IS CHARGED OFF THAT MEANS IYT WAS PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. 
usps certified tracking number ; XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$380.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I did not open this account, nor did I authorize its use. I currently have two Synchrony Accounts that I did open. One was opened in XXXX and the second was opened XXXX. I am in good standings with those 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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
Back in XXXX, I mailed a dispute letter to Waypoint Resource Group requesting debt verification. Additionally, the letter instructed Waypoint to stop calling. Verification was not provided, and I continue to receive calls. I received another call today and, via email, was provided with someone else 's XXXXXXXX XXXX. Same name, but I've never been an XXXX customer. The provided billing address didn't even match mine. They have the wrong guy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is my second complaints on Bank Of America. I included a file of there response to me and also my response back to them after providing more information. 

Bank of America in its notice to me admitted wrong doing when discriminating against me, a consumer, despite The Consumer Credit Protection Act. 

I also mailed my response via certified mail on XXXX XXXX. 

I intend to fully hold Bank Of America accountable to the use of my credit card pursuant to 15 U.S.Code 1602.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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. 



15 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 who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American express platinum card due to fees being exempt for military. After I applied, I was charged XXXX like everyone else and they said I was not in the XXXX system. I have spent multiple hours on the phone, send documents to prove I have been on XXXX XXXX for a long time. They wouldn't take the fee off. A supervisor told me that they see I am XXXX XXXX but will not waive the fee. Card was opened in XXXX and they have waived every year except the initial. I am at my witts end trying to resolve this. Please help. I'm still on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an 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 2022-10-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and there's a copy enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I was on a forbearance plan with my mortgage company and they saw me right in the middle of it now Im paying a much higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022, I applied for a Chase XXXX XXXX credit card via the Chase website. 
I had been forwarded by the XXXX XXXX website to the Chase website to take advantage of the following offer for initiating a new credit card with Chase. 
The offer was : Earn {$250.00} statement credit and XXXX XXXX XXXX XXXX.It also stated Earn a {$250.00} statement credit after your first purchase. Plus, earn XXXX bonus miles after you spend {$2000.00} on purchases in the first three months your account is open. 
Today is XX/XX/2022, and having purchased the sum of {$2000.00} to satisfy the terms of the offer made to me, I contacted Chase Credit Card services to verify my purchase totals, and asked when and how my {$250.00} credit statement would be processed. 
The customer service representative stated that according to Chase, I was enrolled in a credit card offer of spend {$3000.00} and receive XXXX bonus miles within the 3 month period. The representative said they could not honor my original offer from Chase, even though I have documentation reflecting Chase 's offer and accepting my credit application. 
Now my {$2000.00} purchases entitle me to nothing as I not able to purchase up to Chase 's requirement of {$3000.00}. 
THIS APPEARS TO BE THE CLASSIC BAIT AND SWITCH TACTIC. 
Chase has earned $ $ $ revenue from merchants from my purchases. 

I want Chase to honor the conditions of my approved application and provide compensation for me having force Chase to honor their approval of the terms of my application. 

I am willing to provide supporting documentation which reflects the conditions of my application HOW MAY OTHERS CHASE APPLICANTS HAVE BEEN BAIT AND SWITCHED???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Original creditor is Capital One Bank. Opened on XXXX XXXXXXXX XXXX In collections with XXXX XXXX XXXX. The amount is {$600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have a Capital One Auto account that I am in good standings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Unlimited Progress Corp
State: AZ

Complaint narrative:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I paid off an auto lease in full with Ally Auto in XX/XX/XXXX. In XXXX, they reported to the credit agencies that my account was closed. One week later, ALL 3 credit agencies slashed over XXXX points from my credit score. All 3 agencies indicated this account was a settlement for less than the full amount. That is not correct - the full amount was paid.. I called Ally Auto on XX/XX/XXXX and discussed. My point is that all 3 credit agencies took the same action at the same time based on the report sent by Ally Auto. Only something in their report could have precipitated the same action by the credit agencies. I told their representative my expectation was that Ally would communicate with the credit agencies to correct my report. The rep told me their report only stated the account was paid in full, and it was my responsibility to fix the problem. I strongly disagree. I have no information I can provide the credit reporting agencies that will change their action. Only XXXX XXXX can speak authoritatively to how the account was closed and the wording in their report to the credit agencies. I am also appalled that the credit agencies have the authority to slash a credit score for one possible minor infraction. WOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I was denied an extension of credit by this company. I now request a statement of reasons specifying the adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX

Company response to consumer: Closed with explanation