vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: IL

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

Account name : XXXX # XXXX, Account name : DEPTEDXXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : DPT EDXXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has no permissible purpose to be furnishing this information pursuant to 15 U.S.C 1681b. I am aware neither one of these conditions apply, and Transunion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is furnishing information from XXXX XXXX XXXX. In addition, Transunion LLC is involved in Racketeering Activity along with XXXXXXXX XXXX XXXX. by furnishing negative, inaccurate information, oppressing and harming XXXX XXXX XXXX, XXXX. In addition to receiving proceeds derived from such XXXX XXXX. Convictions of XXXX XXXX  carry up to a Life Sentence Imprisonment of Chief Executive Officers of all parties involved. All three of the Consumer Reporting Agencies are reporting this account as, " Closed '' when, as of XX/XX/2022, XXXX, " XXXXXXXX XXXX  XXXX. '' stated that this account is still open. Which is false representation of the status of the account. All of the Consumer Reporting Agencies are in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
An account was opened in my name fraudulently and I tried to speak with company concerning this issue several times and they insisted that they account was mine and I have to pay in order to have it removed from my credit reports. Lies and more lies kept being told each time I called the company.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase for XXXX from a company called XXXX. The clothing was delivered on XX/XX/XXXX. Per their policy, you have 14 days to return. The clothing did not fit so I contacted them on XX/XX/XXXX in three different ways by chat, instant message, and by ticket on their website. On XX/XX/XXXX the company responded by asking for the SKU number and pictures of the clothing, on the same date I responded by providing the information. Instead of providing what I requested which was the return address the company offered me a XXXX XXXX refund on XX/XX/XXXX. I responded to the next date again XX/XX/XXXX declining the offer, since the clothing did not fit. Again placing in my email, I wish for a return/refund. Two days later XX/XX/XXXX XXXX responded offering me a XXXX XXXX  refund and suggesting that I give the clothing away to family and friends. I responded the next date XX/XX/XXXX explaining I did consider however again I would prefer a return/refund. On XX/XX/XXXX responded by offering me XXXX XXXX refund and keep the items. By this time I was frustrated however on XX/XX/XXXX responded by agreeing to that offer. That same date XXXX responded " We can not process a return request or refund since I did not contact them within 14 days. The clothing was delivered on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX. Bank of America did not protect me or my funds as a consumer even after providing the proof. Bank of America responded that I should reach out to the merchant again, even after over XXXX past messages to XXXX. I then reached out to BOA for further explanation the supervisor XXXX XXXX ( XXXX stated that the card provider Master Card denied my claim! I contacted Master card spoke to a supervisor XXXX XXXX and he advised that the information was inaccurate however no noteworthy help on that end either. BOA allowed an online company to take my funds.

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 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Debt collector was assigned by the original creditor to collect the remaining balance on a check for XXXX. Their records indicate that I made a XXXX payment leaving a balance of XXXX. The collection agency has reported to the credit reporting agency that the balance is XXXX. The debt collector among other charges is attempting to collect three ( 3 ) times the amount of the check per California XXXX XXXX XXXX ( a ) which requires a certified letter. On XX/XX/XXXX I contact the debt collector and their response was a notice of dishonored check dated XX/XX/XXXX which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IL

Complaint narrative:
Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know transunion, XXXX and XXXX aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : XXXX XXXXXXXX XXXX  : Transunion XXXX XXXX : XXXX and Transunion XXXX XXXX twice : XXXX XXXX XXXX XX/XX/2022 : Transunion XXXX XXXX : Transunion XXXX twice : XXXX and transunion XXXX : transunion XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : TransUnion XXXXXXXX XXXX  : TransUnion XXXX XXXX : TransUnion XXXX : TransUnion XXXX XXXX : Transunion XXXX : TransUnion Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.

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 2022-10-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted Citi as I believe I inadvertently applied for a credit card while servicing my existing account and received an inquiry dated XX/XX/2022 from Citi. I contacted customer service and they communicated that they do not see anything regarding an application or an additional card.

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 2022-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: FL

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I was promised a locked in interest rate. I was then told my d t I was too highly to qualify for XXXX XXXX but I could shift my car debt to my son to move things along. I was then told this was not an option and my locked in rate was gone and I would have to pay all closing cost. I have been temporarily staying in Texas because I ran from the XXXX in Florida. I told my lender this and he is trying to say I am living in Texas and therefore can not take possession

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have submitted a claim with the FDIC for the missing deposit amounts and have provided copies of the statements and returned payments that would have used the credit amounts. JP Morgan Chase failed to credit the deposit amounts to the deposit account # XXXX and to date the total outstanding credits for just XXXX and XXXX are in excess of {$380000.00}. A Notice of Claim has been sent to JP Morgan Chase, a claim made to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CA

Complaint narrative:
In accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 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 2022-10-25 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: CA

Complaint narrative:
In accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 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 explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-25 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a Chime checking account about 2 years ago and have been having my paychecks deposited there and moving them into my Chime savings account since. I transfer money into my checking as needed so I dont overspend, so it had a {$0.00} balance and {$760.00} was in my savings account. On XX/XX/22 around XXXX I received a notification on my phone that thanked me for making a deposit into my checking account that I never made. Within a minute, I got a notification and email from Chime support letting me know that my account had been closed. I immediately responded to the email asking why, and what would be done about the {$760.00} I had in my account before it was closed. Within the hour, support had emailed me back and let me know that they closed my account due to not being in compliance with Chimes internal policies and I am ineligible for my money back. I responded immediately again asking for clarification on what that meant and why I was ineligible for my money back. I was then told that someone would reach out to me by email within 2-3 days, and that if I kept reaching out it could delay my response. I called their support number but it is an automated machine that only gives you their email address. Then I called XXXX XXXX, the bank Chime partners with and explained the situation. They also told me they have nothing to do with Chime and I would have to reach out to them for any help. I never heard back from Chime support. So it appears theyve randomly decided to close my account and keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/2022 {$12000.00} I Called my XXXX XXXX XXXXXXXX on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using Zelle. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. 

I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the zelle list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I opened a new Ally Bank account and deposited a {$15000.00} check from my cousin to fund the account ( The money was meant for home repairs ) Ally promptly locked my account promptly saying there's suspicious activity and they need to do this since it's a new account and the check is large. 

This was on the XXXX and for the last 14 days I have talked to their " Loss Prevention '' department and customer care at least 12 times. Here 's what I was told authoritatively on XXXX : ( After listening to multiple explanations, answers AND having to explain why he's giving me money etc ) The check is of a big amount and in a new bank account. So, we need to wait 10 business days for it to clear and only then the lock will be released and I will have access to funds. 

It was supposed to be done today ( XXXX ) and when I called in the morning they asked me to wait till afternoon. In the afternoon, I hear a new explanation The check still hasn't cleared so you have to wait another 7 business days! 

Which is wrong because the money left his account on the same day! 

I am at my wits ends as I really need the money ASAP. And this has been incredibly stressful as they are constantly changing their stance.

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 2022-10-25 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: IN

Complaint narrative:
I applied for an car I was told they would only pull from XXXX now I have XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX  XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.

Company response to consumer: Closed with monetary relief