vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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 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 2022-09-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: SECURITY FINANCE CORP
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

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 2022-09-04 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I got a letter in the mail from XXXX XXXX XXXX for a credit card from XXXX XXXX XXXX in my name for XXXX but I don't own a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Subject : Disputing Information in Credit Report XXXX I am writing about the inaccurate info Chase AUTO had provided to Credit Reporting bureau ( XXXX -attached ). 
I have set up AUTO monthly Payment of {$350.00} since XXXX until XX/XX/XXXX ( the maturity date ), debited timely end of month ( under MD law. ). 

Unbeknownst to me there was an outstanding balance of about {$59.00}. I was NOT notified until I received an alert from my ( XXXX  ) bank about a delinquent Chase acct on XX/XX/XXXX, which Id paid off. The DELINGUENT late payment caused my credit score to DECREASE by at least XXXX points ( attached ). 
XXXX ) Since then, I had spoken with many CHASE associates and supervisors to help clear up this erroneous reporting, none were helpful or showed any initiative except the standard responses ( XXXX XXXX XXXX, XXXX XXXX XXXX Executive office etc ). 
XXXX ) They also told me some letters were sent out which I didnt received, as I had selected PAPERLESS a long time ago. 
XXXX ) In fact, I was able to download a letter ( dated XX/XX/XXXX ) on XX/XX/XXXX ( ATTACHED ), which stated we would like to help you find a solution. 
XXXX ) I have contacted CREDIT BUREAS to help but they kept referring back to CHASE. So that was futile result. 
XXXX ) Please help me remove the erroneous CREDIT BUREAU reporting for the following reasons : A ) I was never late on payment since XXXX ( thats 7 yrs ) B ) Since I have selected PAPERLESS with Chase years ago, I never received any correspondence until AFTER the delinquent reporting. Id noticed in XXXX this year, my PAPERLESS feature was ( fraudulently ) not selected on CHASE website. Chase turned off that feature, Not me. 
C ) Based on the Chase website calculation, if there was an outstanding balance of {$59.00}, if that amount was later adjusted as additional fees/interest, AFTER my AUTO-PAYMENT set up. Currently, XXXX balance. Then it should not be considered a late payment. 
D ) It was explained to me that the {$59.00} was additional fees/interests ( after my maturity date ) when I made the XX/XX/XXXX payment. 
XXXX ) The very least, I should have received a courtesy call after being a loyal customer of 7yrs, even if Chase neglected to notify me electronically ( NO alerts from Chase XXXX I have always received a courtesy call ( except this ) in past years. 
XXXX ) I'm a military XXXX XXXX and I take my financial obligation seriously. Chase Reckless reporting ruined my credit score, by at least XXXX. 

Please review this serious matter as I have been a longtime loyal CHASE customer and right this injustice. 

thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: MOHELA
State: OH

Complaint narrative:
Please send me The Account Statement fot both accounts. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX  oh XXXX immediately. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft I have 2 fraudulent accounts from XXXX XXXX XXXX on my credit profile that need 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 explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I opened a savings account with Discover Bank on XX/XX/2022. I funded the account via ACH from my XXXXXXXX XXXX checking account, sending {$25000.00}. After I called Discover I was told that it had chosen to no longer work with XXXX. Without the option to return funds to the bank from where I had transferred the funds, I chose to transfer my money to XXXXXXXX XXXX via ACH. I was assured on the phone that this transfer would go through. Despite these assurances the transfer was cancelled and Discover Bank closed my account without providing any written or verbal communication that my account had been closed. My money has now been held since XX/XX/2022. I have spent numerous hours on the phone with Discover Bank. I was told my money would be mailed via check within 60 days of the last deposit. After waiting a couple weeks without recieving any communication from Discover Bank, I called and was told that the money would be mailed not within 60 days of the last deposit, but after 60 days. I asked numerous times for an explanation as to why my account was closed. I also asked for written confirmation that my check would be mailed and each time I was told that Discover Bank would not send me any information via email, even if this information was just confirming the conversations I had with agents. I am still unsure as to when I will receive my {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2022-09-04 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 2022-09-04 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : 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 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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i did not open this account and they do not have proof of me opening this account so please delete.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i did not open this account and they do not have proof of me opening this account so please delete.

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 2022-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage said I was behind on my loan for 6 months and when file for bankruptcy XX/XX/XXXX they should have given all information need to bring loan current amount they given was {$4500.00} to be paid through bankruptcy. I paid Well Fargo payments XX/XX/XXXX - {$470.00}, XXXX/XXXX/XXXX - {$470.00}, XX/XX/XXXX - {$470.00}, XX/XX/XXXX - {$250.00}, XX/XX/XXXX - {$220.00}, XX/XX/XXXX - {$480.00}, XX/XX/XXXX - {$24.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$400.00}. 
XXXX XXXX XXXX XXXX first payment was on XX/XX/XXXX - {$80.00} second payment was on payment on XX/XX/XXXX - {$480.00} and continue payments. 
Well Fargo said they did not receive payment from me during that period, I have my bank statements to show I did. Well Fargo is part of the organization with XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX law firm all have had a role in deceiving me with my loan with XXXX. They paid {$4500.00} but did not put payment complete on website

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
An account that was opened in 2014 is still on my report and its on there twice. At least 2 accounts should have been gone but there are reports on each one. One will say closed and the other ssys an amount and I've disputed them and its still there. One is XXXX XXXX the othe other is XXXX Then i have 3 vredit cards that i couldnt pay because of the pandemic. Also my car loan is paid off and it does not show that. Aldo there there are hard inquiries that i did not make. I think someone is fraudulently trying to get credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX we tried purchasing tickets on XXXX for a local event we sent her the money and she told us to wait that she was Sending it now then XXXX XXXX pass by and she blocked our profile so we contacted her using another profile to give refund back and she kept blocking us we called the bank since the charge was pending the lady on the phone didnt seem to care and told us we had to deal with it on our own when We heard that people who get scamed get there money back and wast able to do anything about but my other family member got scammed by her too and he was able to get his money refunded quickly and I really need something to be done so they dont scam anymore people and I really need that money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: OH

Complaint narrative:
Please send me The Account Statement fot both accounts. and XXXX to my address XXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Affirm IncXXXX XXXX and XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Cascade Capital, LLC
State: AR

Complaint narrative:
CASCADE CAPITAL you are in violation of 15 USC 1692G due to not VALIDATING THE ALLEGED DEBT. 
CASCADE CAPITAL I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit 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 2022-09-04 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: CA

Complaint narrative:
lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor Transunion written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : 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 non-monetary relief
Consumer complaint received 2022-09-04 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:
In accordance with the Fair Credit Reporting Act XXXX these accounts have 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 an account without my written instruction. 

XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/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