vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a complaint on XX/XX/year> with CFPB. 
I have gotten 2 calls from the corporate office and one from the branch manager. 
All said they wrrr going to send me {$200.00} to correct the error. 
So far I have not received anything. 
My concern is that corporate person stated it was XXXX income which it is not. 
She said they had no way of sending me money without it being XXXX income. 
This error was entirely their doing and I should not need to report this as income. 
I do have two currently active accounts that they could credit the amount to. 
I think they need to pay me rather than tell me it will be considered income, and delay payment. 
Something is flawed in their system and meanwhile I havent been made whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I am a XXXX veteran. I have been banking with Navy Federal Credit Union for 27 years. I received a letter saying that due to " unsafe '' transactions they will close my account. There is no explanation, no one will give me any information. I work on bases overseas in XXXX XXXX and use NFCU as my personal and business account. No information has been given about why, and I've been told there is no one who can explain or change this. The only explanation is " sorry ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On receiving my form 1098 for year XXXX I noticed the total interest paid went up to {$6300.00} is comparison to the previous year. I always make additional to principal which the mortgagor said will be applied to principal as requested. For XXXX total interest paid was {$6100.00}. Please note that the company in question Rushmore Servicing recently purchase my loan from Rushmore Loan Management Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is EQUIFAX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. EQUIFAX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-12 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX, is falsely reporting a collection account on my credit report inaccurately. They are reporting a collection account as open and past due, which is inaccurate. They are reporting late payments on a collection account which is inaccurate. They are reporting different dates opened, Last reported and Last Active, which is inaccurate. They are reporting the same collection account under different names which is inaccurate and illegal. Ive communicated through ALL credit bureaus and disputed with them multiple times. All come back verified with is a complete lie because this account is so inaccurate and false. Per the FCRA, Im entitled to a correct credit report and I DEMAND for XXXX XXXX to completely delete this account off my credit report due to it being false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a Synchrony credit card. {$2500.00} was charged on this card to a law firm that went out of business and fled ( scam ). The law firm did not perform the services for the {$2500.00} they received from the Synchrony charge. The lawyer and law firm were disbarred after dozens of complaints that the attorney took clients money and fled. I submitted copious documentation to support my dispute, however, Synchrony came back and said that " Required supporting documentation was not received '' I called and complained to Synchrony, and they stated that the dispute department does not share information, so Synchrony can not verify that they received any documentation. They also said that the dispute department does not have a telephone number. I have included this chat communication here. It seems Synchrony does not actually investigate disputes and just denies them out-of-hand stating that the consumer did not send supporting documentation when they did. I am out {$2500.00} and have to hire another law firm now and Synchrony is supporting this scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon checking my credit report I have notice inquiries I have not authorized I called TransUnion to have them remove I took every step to have these inquiries remove an they still appear on my credit report when going to the FTC website to submit fraudulent complaints they redirected me to put an complaint in with you please have TransUnion remove the following inquiries XXXX XXXX dates : XX/XX/XXXX XXXX XX/XX/year> XX/XX/year> XXXX XXXX XXXX  date 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 2024-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I entered into a lease agreement for a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX, believing it was a standard retail unit. Later, I discovered it was actually a wholesale unit, which was never disclosed to me at the time of purchase. Just a few months into the lease, the entire engine failed, indicating the vehicle was not in the reliable condition I was led to believe. The car 's current value is only {$2000.00}, which is exactly what I put down initially, and yet I'm paying $ 343 monthly for a car that doesn't seem like it will last much longer. This has severely limited my ability to travel outside my hometown, affecting my daily life. The dealership has also failed to inform the leasing company of these issues, which feels like a deliberate omission on their part. I am currently in mediation with the Indiana state attorney general 's office over this matter, seeking to resolve what feels like a fraudulent contract. I need assistance in addressing this situation and would appreciate any guidance on how to proceed with the CFPB to have this matter investigated and resolved.

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 2024-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am disputing the following information on my credit reports from XXXX, XXXX, and XXXX. 

Account Number or other information to identify account : Aaccount number is XXXX, which is a Collection Account. The account had been paid in full with the original utility company XXXX XXXX XXXX XXXX XXXX and is closed in XXXX. 

Source of dispute information : TRANSWORLD SYSTEMS LLC. 

Type of disputed information : The information on my credit file is inaccurate. I need assistance with removing it. 

Dates associated with item being disputed : The date on all of my credit files is showing XX/XX/XXXX. However, I paid my account with XXXX XXXX XXXX XXXX XXXX in full last year, in XXXX. 

Explanation of item being disputed : My credit report shows an account with TRANSWORLD SYSTEMS LLC, but I don't owe them anything. My initial account was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I paid in full in XXXX. I don't know why TRANSWORLD SYSTEMS LLC is on my credit report, as I've never paid any bills late. I always set up autopay to ensure that payments are made on time. 

I have no records of owing TRANSWORLD SYSTEMS LLC anything. I have no prior interactions with this company and yet I have a collection account with a {$0.00} balance. 
The report shows that I owed money to the company. However, I already repaid the original utility company in full last year. I am attaching proof of payment. 
I would like to bring to your attention that the current status of my account is not correct. According to the report, it shows that I am delinquent, but I want to clarify that I have made all my payments on time. I have never had any balance with TRANSWORLD SYSTEMS LLC. 

The reporting is completely false and inaccurate. Therefore, I kindly request you to update and remove this information from my credit file. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
According to FCRA Section 605B It is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 2024-05-12 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: FL

Complaint narrative:
these hard inquiries are fraudulent and does not belong to me and need to be removed .Also XXXX  as well.Thanks 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

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 2024-05-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TN

Complaint narrative:
I am writing this complaint because there are persistent issues with my EQUIFAX consumer report that are out of compliance with the Fair Credit report Act. The accounts EQUIFAX currently has in its system are multiple inaccurate accounts. I want to ensure that the company effectively responds to my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit, and its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX.

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 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXXXXXX XXXX/Experian/XXXX  I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
2 Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA 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 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Please see the attached remedy.

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 2024-05-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: MI

Complaint narrative:
I have had my us bank relia card since XX/XX/XXXX that is still at XXXX dollars. I have at least 10 approved claims since XXXX and have no been paid. I filed complaint with Michigan UIA that responded as Confirmation XXXX. Relia card contacted me in a letter dated XX/XX/XXXX with card ID # XXXX and informed me of notice that XXXX, XXXX is on the card that I do not have to use. Why? 

Please investigate. 

XXXX XXXX XXXX XXXX XXXX, FL 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