vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: GA

Complaint narrative:
I never had a XXXX XXXX phone I been using Wi-Fi for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an 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. 

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.

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 2022-07-28 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:
Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX 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

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 2022-07-28 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: IL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FORD MOTOR CREDIT CO.
State: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: CITIBANK, N.A.
State: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a flight with Chase XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX flight for Monday XX/XX/2022 ) and used XXXX rewards points to book the flight. Severe weather was going to impact the flight ( according to the email that I received ) and I was told I could reschedule the flight for another day or time. I had to reschedule the flight through Chase ( as opposed to via XXXX XXXX ) since I booked the flight through Chase using rewards points. Chase representatives said I would get a refund of the points or otherwise be compensated for the terrible Chase customer service that I received in trying to rebook the flight ( i.e. I missed an entire vacation spending an hour and a half on the phone trying to resolve the issue with Chase and getting ABSOLUTELY NO WHERE ). Ultimately, I had to pay my own way to grab an XXXX  to go to the airport and speak to multiple XXXX XXXX representative to get the issue resolved on my own. Chase was of no assistance throughout the process. I called to get the update on XX/XX/XXXX regarding the complaint that I filed with Chase on Tuesday XX/XX/XXXX, spent 2 HOURS being transferred from representative to representative and still DID NOT get any compensation or refund of the points as I was told I would get. I asked the Chase representatives for the complaint number so that I had something to refer to but the representatives refused to give me or send me any information they have on file. They also refused to transfer me to another agent who could assist and said they were the highest person in the chain at Chase who could assist in any way regarding my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/XXXX, I received two notifications that Navy Federal Credit Union had ran my credit. It was strange to me since my credit was locked. How is a credit union able to manage this? On XX/XX/XXXX I received another notification via XXXX that another hard inquiry was submitted. As perplexed as I was I reached out to the company and received no resolution. On XX/XX/XXXX I received a notification that a credit card had been opened in my name. I reached out to the company and we confirmed that the date of birth was incorrect as well as other facts- such as the addresses being incorrect. I have never lived in XXXX XXXX or in North Carolina. However, there were the addresses. At this time, my credit was also locked. I reached out to the company and still- have not received a resolution. I am now being hindered as my credit score is being affected by these three inquiries and a now delinquent account for which I am not responsible for. How is it that this credit union was able to not only submit inquiries but also open an account while my credit was locked?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there was an update on XXXX XXXX XXXXXXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off

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 2022-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc.
State: IN

Complaint narrative:
To be honest. This has been a complete horrible experience. 
Never jumped through so many hoops in my life, and then had someone from a company cause so many issues bc they canceled my application, without my permission, which should be no issue of getting my application done and approved, and now, being told they can not approve me, but yet I was approved! 
I was told it would be no issue to get the backend to reinstate my application. 
I see others online with the same thing that this company has done to them. Seems like this company profits somehow without giving approvals and getting peoples information for nothing. Do they sell it? What is done with all of this information and not approve anyone? 
So, I feel that I definitely was done unjust and unfair. 
Absolutely wasted time that I could have went elsewhere and spent on them, and mislead me thinking they were going to resolve the reps issue, get my loan approved, and be done. 
So, really, I feel deceived by this company. 
I also ask for call backs, in emails, and no one contacts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My title company sent check 1 on XX/XX/XXXX when I signed on my house on XX/XX/XXXX. Part of my agreement was that I had to pay off my car with the money I made from my house. When I called XX/XX/XXXX to check the status because I was reported past due. I was told on the phone that they had issues with mail. 
My title company stopped payment on check 1 and reissued and sent check 2.this was notated on my account. I received a paid in full letter XXXX. Check 2 was reported to have been Cashed XX/XX/XXXX. I went to check on my Gap check and was told it would be 60 days. I went to check on it XX/XX/XXXX and my account was passed due. I contacted them they told me that my check was returned and that it had accrued fees. I have attempted since to talk to some one and have been told that I need to talk to my bank. I discussed this with the title company. Ally told me that if I could send proof of the check then it could be fixed. I sent them this information. I had to contact them again. They said that they didnt have enough information and they rejected the check. That this was returned and I had received more fees. I was told numerous times that I was wrong then I was told that it was just not applied to my account and to give them 1-2 business days to fix it. I contacted them again today and they started the whole thing over again saying that I was late. I needed to pay. That the check was returned. I needed to talk to the bank. I was then told I would receive a call in the next two days while they are processing my case. I have been give concern case numbers and told to call if this is not resolved. When I call I am told it from the beginning. I have to have the same fight each time I contact them. I also need to receive my lien on my car and receive my title.

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 a mobile deposit check was deposited into my teen checking bank account without my knowledge. The mobile deposit was in the amount of {$2300.00}. The person then used XXXX to send their selves {$400.00} on XXXX XXXX. On XX/XX/2022 the person mobile deposited another check in the amount of {$3800.00}. The person used XXXX to send themselves {$1000.00}, {$500.00}, {$300.00}, and {$400.00} on XX/XX/2022. On XXXX XXXX the person used XXXX XXXX send their selves {$1000.00} and {$400.00}. They then went on to transfer {$2000.00} to my savings account. On XX/XX/2022 they wire transferred {$2000.00} to a XXXX  XXXX XXXX account. I reported the fraudulent check of {$2300.00} on XX/XX/2022 which was visible to me. Wells Fargo Bank Closed my account and created a new account on XXXX XXXX at XXXX am I saw another check in the amount of {$3800.00}. I called Wells Fargo to report the second check which made my account negative {$6200.00}. On XX/XX/2022 Wells Fargo completed their research on the unauthorized mobile deposit checks. The letter states that Since the deposit ( s ) from your account on XX/XX/2022. The adjustments have resulted in no loss to you. We also reversed any fees charged to your account as a result of the unauthorized deposit. I then called on XX/XX/2022 to see why my account was still negative. I spoke to XXXX in the claims department who told me that the claim was not put in correctly. He gave me another claim number for the XXXX transactions and a research claim number for the checks because they were untraceable. I reached out on XXXX XXXX where I was told the claim was closed on XXXX XXXX. When I asked the claims department employee XXXX why the claim was closed they could not give me a valid reason. I was told for my case to be reopened I would have to file a police report. I filed a police report on XX/XX/2022.

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 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. 

Before that I only check my credit report if i ever file for something or once every 2 to 3 years. For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. 

I been following every steps that my banks and credit agencies have been telling me for 2 months now. As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. 

At this very moment my 5 inquires is insane as I usually do 1 every 2 years if that Original CFPB COMPLAINT # XXXX The unauthorized hard inquires are as followed 1.XXXX XXXX XXXX : 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

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 2022-07-28 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:
I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from Equifax, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

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.1618 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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : DISCOVER BANK Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: IL

Complaint narrative:
I applied for a card through Chase that was co-branded through XXXX for a specificpromotion. I was not given my miles as the promotion indicated because I was misled by Chase 's promotion. 

The promotion stated, spend {$3000.00} in the first 3 months, I would receive XXXX miles. Then, if I spend an additional {$3000.00} in the next 3 months, I would receive an additional XXXX miles. This did not happen, so I called. 

The first time I called, in XXXX I believe, I was informed the miles would be placed in my account, but it would take time. I accepted that answer and I waited. Nothing happened. 

Then I called today, XXXX. I was informed I will not be receiving my miles because I had apparently signed up for a completely different promotion. This is not true. I was very deliberate when submitting this application.I was told I applied for a different promotion and was provided the XXXX miles and a {$250.00} credit from that promotion so they were unable to rectify the issue. They misled me. this is NOT the promotion that was advertised and I am very upset about it. They were wrong.Be aware of Chase and XXXX XXXX.

Company response to consumer: Closed with explanation