vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
In the month of XXXX, I have reach out to GM financial asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that Gm financial defer payments by XXXX  months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be XXXX time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the XXXX time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards GM financial reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After GM fiancial noted on my credit report about the deferment of my payments, I then paid the XXXX time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the XXXX time fee upon my due bill date. 
I contacted GM fiancial after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NY

Complaint narrative:
My USDirectExpress account has been hijacked, over {$60000.00} has been withdrawn without permission, my Social security XXXX account payments have been changed to a bank that I do not have access to, and I can not withdraw money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Equifax reports serious delinquent payments with company XXXX on my credit report for the dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, which is incorrect. I have tried ( 6 ) times to resolve this matter with Equifax to no avail. Equifax is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish a
ny information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around Saturday  XXXX, I get a text message from XXXX about a credit card application that was not mine. I later checked my hard inquiries on my credit report saying there was something involving XXXX, so I think I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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


XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had a balance of {$92.00} on my XX/XX/XXXXXXXX  bill. I paid this in full, i mailed the check 5 days prior to the due date although they didn't process it for several days after ( converted to ACH so I can't get a copy of the item from my bank. ) When I saw my XXXX  bill, I tried to call but was unable to reach any one. I did call in XXXX but the person I talked to was very hard to understand, foreign accent. I asked to speak with her supervisor and was placed on hold for over 30 minutes then the phone disconnected. I then sent a message through their web site but did not get a response. On XX/XX/XXXXXXXX  I mailed a letter to the address listed for disputes on the bill and did not get any response. I sent a message on XX/XX/XXXXXXXX  to the customer service section on their website and received message that they would research the issue and in the mean time would not charge late fees or report late payments to the credit reporting agencies. In XXXX, I was trying to shop for new car and homeowners insurance and found out that XXXX is in fact reporting me as late payments. This is the only negative line in my credit report. I now have received a bill from XXXX  showing my balance of {$190.00} which is ALL fees. I have made NO purchases so these are fees in a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD Bank credit card account on the premise that, as a promotional offer, I would enjoy a 0 % APR on purchases for the first 15 billing cycles. 

To my surprise, TD Bank charged me interest expenses on my outstanding balance as of the second billing cycle. 

I called cusotmer service to understand the interest expenses charged to my account, and the customer representative told me that the promotional offer include a 0 % APR on balance transfers. However, the APR on purchases is 24 % .I received the promotion via regular mail, so I am not being able to show definitive proof of TD Bank 's fraudalent practices. 

Followign my conversation with the customer representative at TD Bannk, it seems that TD Bank is trying to attract customers by saliently promoting a 0 % APR, without being explicit about the fact that the promo does not apply to regular purchases. I recommend the CFPB to require financial institutions to more saliently detail their APR promos.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I made a payment to a 'marketplace ' consumer of {$300.00} through Chase bank 's XXXX XXXX I trusted that Chase would protect my purchases or payments so i used Chase 's payment program. Once I made a payment, it was pending but did not go through immediately. On the same day, my product was not delivered so I realized it was a scam. I called Chase the same day to halt or stop the pending payment, but they could not do so. Once it went through a few days later, I called Chase again to speak with a supervisor only to find out I can not be reimbursed. I asked if they can do a one-time waiver knowing I won't do that ever again. From my experience, all other peer to peer transactions from XXXX, XXXXXXXX XXXX XXXX have protections and many of their customer rights are protected by the Regulation E law, but not XXXX. It is unfortunate I was a victim of both parties, not knowing that Chase XXXX will not reimburse or protect their customers. 

It was until after the phone calls and my reimbursement can not be accepted, I had to research why. I have found out about the issues many customers have with XXXX and that I was now one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score.

In my case, I recently found out that my score dropped down 781 to 744 without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
2. Balance decreased by {$53.00} XXXX XXXX XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX credit card ) 3. XXXX XXXXXXXX XXXX was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around 820. 

Thank you very much for your consideration. 
Kind Regards, 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 2023-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance auto loan. I have tendered payment via U.C.C. 3-603 - 3-604 sent a Promissory Note via certified mail XXXX with instructions on full payment for discharge. The instrument has not been honored, nor returned according to law. They verbally or the phone say they dont not accept form of tender which is in direct violation of the discharge/ Dishonorable not operating in the spectrum of the truth and lending act. They are not transparent.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
On I discovered ( CONTRACT CALLERS INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the XXXX data breach.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 I applied for a CareCredit card through Sychrony Bank. I received one. In early XXXX I started looking into what it would take to get a mortgage and found out that Synchrony Bank ran 3 hard credit inquiries on XX/XX/2022. This was noticed after a XXXX XXXX ran my creidt. 

I have asked Sychrony Bank to correct this but keep getting letters stating that I applied for the card and that's why it was pulled. This is true it should have one ( 1 ) hard inquiry from them, not 3. I have had them admit on the phone that it was done in " error '' but nothing is being done and they have again sent me a request asking for a copy of the credit report that shows the error ( when they have already seen it and admitted it ). 

I sent them a copy of a portion of my XXXX report which shows the 3 hard inquiries from Synchrony Bank on XX/XX/XXXX and then the XXXX XXXX hard inquiry which was negatively affected by the 2 additonal hard inquiries that were done b

y Sychrony Bank. I again received another piece of correspondance asking for more inform
ation but I sent them all of the information via certified mail which I have confirmation of their receipt.

This has cost me literal hours on the phone with them ( I have proof of this ) and potentially mortage rate issues.

I never consented for my credit report to be pulled 3 times, I consented to one time and they have given me different stories as to why this was done and what they intend to do about it.

I would like to file a complaint and pursue penaly damages.

Thank you for your assistance with this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX 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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated mu federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if they person knows or has reasonable cause to believe that the information is inaccurate.

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