vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: MN

Complaint narrative:
It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I closed my account on XX/XX/XXXX and I was told that I would receive my deposit on XX/XX/XXXX within 1-2 day. That never happened. The company is giving me the runaround about my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation
State: IL

Complaint narrative:
I reach out to my Mortgage Company, Royal Pacific, to discuss my options to remain in my home in XX/XX/2022 after they refused to accept my mortgage payment. I was confused as to why my attempt at payment were being rejected. They advised I should complete a loss mitigation application to discuss my options. This package was completed in XX/XX/2022 and uploaded to their loss mitigation portal. I called to follow-up on my application and was informed it was being reviewed or handled by a staff member. .During this time, I have received very little assistance or correspondence from this company ; until I received a final notice of foreclosure action. This is extremely disappointing that instead of accepting my payment attempts and then ignoring my submitted loss application the decision was made to rush through the foreclosure action with no assistance. I know RESPA requires servicers to review loss mitigation applications within a particular time period and assist borrowers with their options. I also have fair lending, moreso fair servicing concerns. It is very problematic if protected borrowers living in certain communities are not receiving the proper assistance and being provided the opportunity to remain in their homes or understand their options. This follows a long line of theft of wealth by mortgage companies who fail to assist minority borrowers with their loss mitigation applications and instead rush to foreclosure. It is shameful! These types of things should not be allowed to continue in XXXX I am asking that the foreclosure sale/ auction and the mortgage provider at least review my loss mitigation application and assist me in keeping the home I worked so hard to obtain. 

I only owe {$18000.00} on a home that is worth well above this amount and this mortgage company is not willing to assist to allow me to remain in this home. Foreclosing when a customer is doing everything to maintain their home should be considered theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion has once more blocked me from getting my annual-credit-report.com and has also blocked me from getting my service.transunion.com report. 

I was waiting on this to happen when I posted a section of their reporting. 

Now, both Transunion and XXXX has blocked me from getting both online access and the federal government assured annual-credit-report.com XXXX seems to have not yet giving in to allowing third party control of my credit reporting. There is some allowance at XXXX, and that's why my score is not below that certain mark.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX, and I am the author of this complaint. 

Equifax has restricted access to my credit report, and through Annual Credit Report, com, and for months. 

This service returns no results, and even after verifying who I am with credentials, personal identifiers and verification of details that should be known and accessible to me. 

Must be noted, My Equifax works just fine. There is an innate difference in the views, data and reporting for consumer reports from ACR.com, and MyEQ.com. 

Must also be noted, that I am entitled to both, one of which I am paying for ( MyEq ). 

Please fix this view issue - and, print and mail a full credit report to the current address provided within this complaint - and none other. 

As you know there is PII data in the report, and that EQ itself, reverted current to an address from almost 5 years ago. 

Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I DO NOT live in XXXX NJ, the address is invalid - and not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been a customer of JP Morgan Chase ( Chase ) for over a decade ; however, I got a credit card with them in XXXX, which I did not have any issues with until recently. Recently I paid my credit card balance off in full on XX/XX/XXXX, which was before I due date. Chase charged interest in the amount of {$21.00} on a credit card with no balance due, on XX/XX/XXXX. When I called customer service on this matter on XX/XX/XXXX, at XXXX am est, I was told that it was because I had a balance that I was charged interest due to a daily interest charge. Of course, I told them that the card was paid off in full before the due and interest dates. Therefore, I used the points I accrued to transfer to cash and add to the balance and paid the remaining balance due as of that day minus those point. I informed customer service that I would be canceling the card because it doesn't make any since to charge a customer interest on a zero-balance card. This was not the original terms of our agreement, and I was not informed of any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
A little background information, when you make a purchase XXXX XXXX for grocery delivery they generally charge excess of what they end up settling for in case the total ends up being more than originally anticipated. 

When these transactions are settled by XXXX for less than originally expected, the excess is supposed to go back into the available balance. Instead, Chime is holding that excess in pending for an additional XXXX days. 

This has happened several times. The most recent occurrence is a transaction on XX/XX/2022 at XXXX. The transaction settled on XX/XX/2022 for {$13.00}, leaving an excess of {$0.00} in pending transactions. I have sent written support tickets to find out why they are doing this and effectively holding that excess money hostage in pending. I have been unheard by customer support and dismissed by a supervisor named XXXX. I was placed on hold for an extended amount of time ( greater than 25 minutes ) and then transferred to a queue with a wait time of greater than 10 minutes after being told he was just going to check the account. I created a chat support ticket and they didn't even read what the issue was and copy/pasted a generic response that I can't dispute pending transactions and when I informed them it wasn't about a dispute, dispute agent XXXX copy/pasted said generic response about 3 more times anytime I said it was not a dispute issue. I want to know why Chime is holding any excess a transaction settles for hostage in pending for an additional 7-10 days. I also no longer wish to deal with their customer support/supervisors after being treated like complete dirt by them,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
It shows I purchased something on PayPal that I was not aware of for {$100.00} Id like a refund but dont know how to go about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from EASTERN ACCOUNT SYSTEM I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from Eastern Account System nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. 

I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and 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 2022-07-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account : SYNCB/XXXX  XXXX - ( last reported XX/XX/XXXX ) - CLOSED account delinquent/late payment. During the pandemic, in the month of XXXX I had merchandise on order from XXXX XXXX which had been delayed on delivery for a 3rd time. I chose to cancel most of the purchase and only wanted a single item for which I was going to pickup from the warehouse to avoid a delivery fee. An attempt was made to deliver merchandise at my residence, I refused delivery due to the fact I was going to be picking up the merchandise. I went to the warehouse to pickup merchandise and was told it was out of stock, therefore never receiving anything at all. I was later charged on my Synchrony/Ashley XXXX account for merchandise I never had delivered or picked up. I submitted several disputes with Synchrony/Ashley to get the balance corrected on the account and was instructed to not make a payment on the balance since I never received any merchandise. The length of the disputes and the fraudulent balance was extensive. 

I am requesting that they remove the delinquent reporting for months XX/XX/XXXX 30 days, XX/XX/XXXX 60 days & XX/XX/XXXX. This reporting is inaccurate due to the fact that they reported my payment as being late when the balance was inaccurate and I was in the process of multiple disputes trying to avoid paying for merchandise I never received. This reporting is negatively impacting my credit report and is a result of their error, I would like a speedy resolution/response to correct this and to have all derogatory marks on this account removed.

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 2022-07-29 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 XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and 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 2022-07-29 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 XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and 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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is the organization. 

I have my account frozen. 

However, they reject my login when I try to log in. 

When I go through the steps they provide to recover my account ( I give them my date of birth and SS # ) the prompt that is returned says that 'it didn't match '. 

So I followed their instructions to do this by mail I sent them a copy of my Drivers License and recent bank statement via snail mail on XX/XX/2022. 

I have not heard back from them. 

I can not unfreeze the account so I am their financial hostage. 

If there was a way to get a hold of a human being from Experian this would not be an issue.

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 2022-07-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX  XXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

Company response to consumer: Closed with explanation