vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
I opened a checking account on XX/XX/2024 after receiving a USAA offer of a {$200.00} bonus to open a classic checking account and fund it with direct payroll deposit of {$100.00} or more within 180 days. My first payroll deposit was made to my new USAA XXXX Checking account on XX/XX/2024 in the amount of {$390.00}. I have since had my regular payroll deposits into this account. The offer promised that I would receive the {$200.00} bonus within 60 days of this qualification, which should have been approximately on XX/XX/2024. After receiving no communication regarding the bonus, I contacted USAA XX/XX/2024 and XXXX confirmed that all requirements for the bonus were met and that the system takes an extra week to process the {$200.00} bonus. The next week I again called USAA on XX/XX/2024 to inquire about the bonus owed to me. XXXX reviewed the case and validated my eligibility for the bonus, telling me to call back XX/XX/XXXX if I had not yet received the {$200.00} bonus. He gave me a XXXX XXXX, XXXX. As I had not yet received the bonus today, XX/XX/XXXX, I called back and was told by XXXX and XXXX that they would escalate my case to the Member XXXX Department. I was called back several hours later by XXXX who told me that I did not qualify for the offer. She gave me Internal Complaint Number XXXX ( no room here to finish )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company is reporting that I have delinquent payments. That is incorrect 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is reporting that I have delinquent payments. That is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company is reporting that I have delinquent payments. That is incorrect 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand FCRA 605B necessitates the exclusion of any erroneous entries from my credit record. Can you review the documents, please? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Apple is using their position as a phone company to increase charges to the apple card. I have had this happen several times now in slightly different ways. 

First way, frequently have this happen. I am XXXX and have a XXXX. When I try to use the apple wallet, if my finger tremors during charging, Apple automatically defaults the charge to their card. It is NOT that my finger hit the wrong card, it's that they lined up the cards with apple on the bottom so if hand bumps it, the charge goes to THEIR card instead of the one I wanted it to go to. It never goes to any other card, just to theirs. Extremely annoying. 

SECOND WAY : I was buying music online the other day, many similar small charges which set off the security alarms at my regular cc. BUT : Instead of getting a notice it just defaulted the charge to apple card, which I did NOT want, ask for, or indicate I wanted. I ended up with over {$70.00} in charges on the card which I might have missed for payment if I had not checked. 

Apple is using its role as owner of the wallet to surreptitiously cause charges to go to their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/year> i received XXXX inquires on my report. I contacted the reporting agencies and was told the information is valid. i dont understand why they would say that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I tried to visit early warning 's website to obtain a copy of my consumer report. However, it was not available. I am kindly requesting that EWS mail me a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I started receiving late fees at the beginning of XXXX of XXXX. My same payments have been delivered consistently for months. From what I see, when my bank says they delivered the payments ( which are automatic and occur every month ), the posting on Synchrony 's app happens at the same time. The issue is, they're charging me late fees based on the time it takes THEM to process my account. I have proof from my bank, on the dates the transaction happens, and when the payment was delivered and they have matched up to the dates on Synchrony 's mobile app. Except, in XXXX, my payment was delivered by the XXXX of XXXX, the due date is the XXXX, and Synchrony processed it on the XXXX, thereby charging me a late fee. Because of this late charge on their end, they've continued to charge me late fees every month as a result. Again, when I review Synchrony 's mobile app, every date that they have received my payment matches to my bank account directly and I can provide this proof. However, i'm being punished because they processed a payment, that they've had since the XXXX, on the XXXX, when my due date is the XXXX. I also had this issue last year. I was paying them on their due date, and every month, they received the bill from me on their due date. However, even though dates aligned from what I can see, I've been charged months worth of late payments because I didn't send them their payment at the beginning of the month. This all sounds very questionable to me. I would have liked to see the differences from last year too, but I can only view up to XX/XX/XXXX through the mobile app unless I request to go paperless, but I really don't trust this bank at this point.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I signed up for XXXX  to see my credit reports. Upon looking over my XXXX report I found that Capital One is listing an account thats charged off and sold to XXXX XXXX XXXX as using XXXX  % utilization. This is not accurate. A charged off debt thats been sold should not be reporting a past due amount nor should it be counted towards my utilization. Under FCRA I have a right to have this information corrected. I would like this corrected within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting 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: WI

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. 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. 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 explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This the first time I'm filling this compliant with this company concerning this matter. This was about three months ago that we'll be XXXX XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
i bought my car using Chrysler Capital XXXX XXXX in XXXX. I was with this company for XXXX  years never late on payments. on XX/XX/XXXX i refinanced my car with a different company. i made my last payment to Chrysler Capital on XX/XX/XXXX and refinanced my car with another company that same day. my new finance company received the final payout information XX/XX/XXXX to end my contract with Chrysler Capital and start my new contract with my new finance company. Chrysler capital received the final payout check XX/XX/XXXX via mail. as of today Chrysler capital is stating i have an outstanding balance of XXXX $ still because they state the final car payment i sent didn't go through but i have the bank statement from XXXX XXXX showing otherwise. they tried to say the final payout check from my new finance company wasn't sufficient enough but when i had them on a XXXX call they took that statement back and confirmed with my new finance company that the final payout check was correct, it was the final payment that i sent that did not go through. But i have the statement from my bank account showing the date the payment went through to Chrysler capital. i even faxed them ( the same picture uploaded on this complaint ) showing the payment went through with the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX reported a late payment to the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I recently pulled my credit and see a collection that Ive received no communication from via XXXX mail nor phone call attempts. If I had, I would have advised that this debt is time-barred. Due to being time barred the collection must be removed from my credit profile as it is outside of the window to collect upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Would you mind verifying the paperwork? Several of the enumerated accounts exhibit inaccuracies in reporting, such as erroneous amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure payments are made promptly on this account, never allowing them to become overdue. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc.
State: CA

Complaint narrative:
AUTOMTD COLL Is alleging I owe them a debt I do not. I have received no notice of my right to dispute this debt before the information was sold to XXXX in an attempt to force me to pay a debt that I do not legally owe. I retrieved XXXX XXXX XXXX XXXX business incorporation that they have on file with the state and it did not state in their business practices that AUTOMTD COLL would be collection for them. This is required to do business in the state. So under who authority are they acting on? I would like the documents to prove that AUTOMTD COLL is a part of the company either with its bylaws or articles of incorporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made a criminal complaint about fraud and a cover up happening at the fed and many banks and credit agencies and some other government entities. I received a notification from the cfpb saying transunion can not respond to my complaint because I named judge XXXX as corrupt, and so because they can't share my credit information with him they can't respond. Clearly this is idiotic, as why would you need to share my credit information with a judge to investigate corruption, but whatever. " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. '' Anyway, I then received an unsolicited email from transunion. " Dear XXXX, We have received your password reset request, and your temporary password is : '' I did not request a password reset. Then I received another email from Transunion with a link to a " secure '' portal on the transunion website where they presumably have some sort of response. " This is a secure message. 
Click here by XXXX XXXX XXXX to read your message. 
After that, open the attachment. 

If you have any questions about this email, XXXX XXXX please call XXXX and outside recipients please call XXXX. 
More XXXX Disclaimer : This email and its content are confidential and intended solely for the use of the addressee. Please notify the sender if you have received this email in error or simply delete it. 
Secured by Proofpoint Encryption, Copyright 2009-2022 Proofpoint, Inc. All rights reserved. '' Look Transunion, I'm not clicking on any of your links. You are involved in a criminal conspiracy. There could very well be malware on any link you send me. I do not trust you at all. Why do you want to respond confidentially anyway when you just told me that you can't respond two hours prior? I don't want any sort of confidential communication with Transunion. They are dangerous. Respond here in public. This is ridiculous.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation