vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

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 2022-04-08 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

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 2022-04-08 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
We decided to do a debt counseling program on one credit card, XXXX. The next thing we knew the other credit cards were being closed without our knowledge. We didn't authorize them to be closed. They were all link to Synchrony bank. Isn't this considered bad business and consumer abuse.? Are we not covered by the consumer protection, and rights??

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Please can you delete this company I applied once and when I look at my report there are several tries. I do not have a card with this company please remove SYNCB/TJX CO DUAL dates listed are incorrect I never applied. 
XX/XX/XXXX XX/XX/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 2022-04-08 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 XXXX # XXXX, DXXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 602 B states 2 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 2022-04-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.

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 2022-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Have several of ( SYNCB Old navy hotel and travel ) listed please remove from my report my credit was on a freeze and no one was able to gain access. Please remove and im not sure why SYNCB Old navy hotel and travel is on here never applied. I do not even have an account associated with this company. Dates listed on my report are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-04-08 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: SC

Complaint narrative:
XX/XX/2022, XXXX-Thank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 GXXXX I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from Equifax, XXXX, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, Equifax and XXXX consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reports. XXXX HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Yesterday I deposited {$5000.00} cash via the ATM into my Bank of America business checking account. The ATM stopped functioning during the transaction and I have only been credited with a {$3600.00} deposit. The bank did not issue any receipt for my deposit. They said I would receive an email confirming the error and that it was being looked into but I have nothing. They said I would see some kind of credit to my account but I dont have that either. I have nothing in writing to confirm what happened or that the issue is being looked into. Basically I gave the bank {$5000.00} cash, and theyre only crediting me for {$3600.00} with no evidence provided to me that they acknowledge an error occurred. They have essentially stolen {$1400.00} from me.

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 monetary relief
Consumer complaint received 2022-04-08 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  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # 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 602 B states 2 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Klarna AB
State: CT

Complaint narrative:
I sent several emails to Klarna financial services regarding charges that were made fraudulently with my bank. I then went to XXXX to report this account and print out documentation to send to Klarna headquarters. They never responded back to my letter or emails and they continue to harass me via phone calls trying to get me to pay or they are sending my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: SC

Complaint narrative:
XX/XX/2022, XXXXThank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 G. I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from XXXX, TransUnion, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, XXXX and Transunion consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reportsXXXX XXXX  HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank violated terms of Service, as part of our contract includes a refund for defective products from one year of date of purchase. The date of purchase was XX/XX/2022. 

Chase Bank is failing to honor the defective products, which it is not honoring and I have been overcharged by XXXX with XXXX for a defective product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Bank violated terms of Service. 
Chase Bank agreed as stated in the contract to be available by phone. 
Chase Banks as insulated itself by not allowing customers to reach them by phone and is operating in areas and locations, where they do not have any banks. 

I tried to reach Chase Bank only to be connected to an automated phone service, which tells you that there is non one available to answer the phone call, and then hangs up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
So i started a business account on Paypal as i am working freelance and wanted to get payments on it. The FIRST payment i got, i was told that they will be on HOLD for 21 Days or i have to upload the shippment document to get them released after 7 days, i told them it's virtual services, i don't ship anything and i confirmed that! After my 3rd payment which were on Hold as well they sent me an email that my account was set to limitation and i have to provide informations which i did and also shipement document ( which i contacted the customer service to explain the nature of my business and that i don't sell products to have shippement documents and the agent understood that and told me they will set up this ). After two hours i got that i can no longer use paypal and i can get my money only after 6 months!! I did nothing wrong and why should i wait 6 whole months?? I really regret it using this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/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 2022-04-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX does not have my updated XXXX score and incorrect credit information. Experian had not updated my credit information.

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 2022-04-08 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: VA

Complaint narrative:
IN accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A Section 2 It also a consumer reporting agency can not furnish a account without written instructions 15USC 1681 602 A States I have a right of privacy

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 2022-04-08 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: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/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