vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-03-23 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 follow 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I opened a high yield savings account with Synchrony Bank on XXXX XX/XX/XXXX, I deposited XXXX , on XX/XX/XXXX, I deposited an XXXX , and on XX/XX/XXXX, I deposited an additional XXXX . Th deposits totaled at XXXX $ and all deposits came from my XXXX XXXX XXXXXXXX Checking Account. On XX/XX/XXXX, I received an email from Synchrony Bank informing me that my access to the funds transfer service had been suspended. I called called Synchrony Bank and was informed by a customer service representative that my account was under review and that they could not tell me why. I attempted to log into my account, but I could not. I called Synchrony Bank multiple times over the next few months and each time I was told either that my account was under review or restricted and that they could not tell me why. I called Synchrony Bank on XX/XX/XXXX, requesting to have my savings account closed and the funds returned to my XXXX XXXX XXXX Checking Account. On this call, I was informed that my account had been closed on XX/XX/XXXX. I have not received any funds from Synchrony Bank at this time. Synchrony Bank claims that the funds ( XXXX $ ) were returned when my account was closed and that they are on hold with XXXX. After hearing this, I called XXXX on XX/XX/XXXX, and they claim that they have not received any transfers from Synchrony Bank and that they do not have a hold placed on any transfers.

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 2023-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting this complaint to express my frustration and disappointment with the way my account has been handled by Capital One and XXXXDEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * First Federal Credit : Account Number : # XXXX For all 3 credit Bureaus * XXXX XXXX XXXX  XXXX Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: KS

Complaint narrative:
On XX/XX/23 XXXX XXXX  XXXX  credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, XXXX, and Transunion to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but XXXX and Transunion continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

Transunion did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear XXXX  yet the spelling oa say atypical XXXX  name seems foreign say some XXXX  or 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 2023-03-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 while at work I received a phone call from Chase Fraud Services about an unauthorized use of my credit card. I said the transaction was not authorized. While on the phone with the Chase Fraud Services I received emails that my debit card was being used to make unauthorized purchase totaling {$9400.00}. While still on the phone with Chase Fraud Services {$10000.00} was transferred apparently by telephone form my business account to my personal checking account. This was used to pay for the debit card purchases that originated overseas. I told the Fraud Service representative that none of these transactions were authorized. I said this several times. This was happening in real time. The next day I went to my local branch to obtain new credit, debit, business checking and personal checking accounts. While there I told the Chase representative that the debit charges were still listed as pending and they were not authorized. Needless to say the debit charges went through. Chase has determined that I authorized all these transactions which is not true and wants me to repay {$8400.00} in overdrafts and be responsible for the {$1000.00} Chase took out of my account. I want the {$1000.00} returned to my account and for Chase to be responsible for the overdrafts as I did not authorize these transactions. Attached is a Certification and documents that support my claim against Chase..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I am writing with respect to my PLSF waiver. I have worked for an eligible public service institution since XXXX. I have made full payments monthly since XXXX ( with XXXX until consolidation in XXXX for the TPLSF ). When the TPLSF waiver was initiated, I immediately consolidated. It was at this time, after consolidation, that I learned that over 5 years of payments were not included. Those periods of payments were during a time that I returned to school to further my education. Despite my effort to continue my payments and status as normal, I was caught in an automated process between my institution, the department of education, and my servicer ( XXXX ) and I had no way to proactively protect myself and my account from harm of being placed in in-school deferment and that my payments which were made in full, on time, and in good faith. The program that I was in was almost exclusively an asynchronous program meaning we didn't have class/lecture together and was meant to be done around a full time work schedule. The full-time status opens up more opportunity for students to qualify for financial aid, but it also results in automatic in-school deferment. As a result, over 60 payments are not counting towards my waiver, and if they were, my loans would be forgiven. Theoretically, the PLSF waiver was created for this purpose : to waive loans after 120 payments towards their student loans all while working at an eligible Public Service Institution. I did this. I accomplished this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol one was paid for cash advance in full on XX/XX/2022, The money that was paid was dedicated for the cash advance payment of {$320.00}. 
The company allocated the payment to there benefit to extort additional payments, interest and late fees. 
This is a form of theft from elderly abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the state of Michigan and EXPERIAN are reporting inaccurately a case that has been closed! account on experian : XXXX show closed but with a comment of collection in XXXX XXXX and with a balance of {$30.00}, XXXX but i have proof enclosed that this case has been closed and the balance is {$0.00}!! I have even sent letter to experian to dispute already the issue back in XXXX! they clearly do not do their part to protect and verify our information properly and violate my rights! I have NOT given them written permission to put anything on my consumer report. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. It is unlawful for the advertisement of any debt specially when it is INNACURATE they need to stop harassing me by reporting false information on my credit report. They have caused me severe harm and XXXX to me and my family!

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 2023-03-23 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed three disputes with Equifax. They do not offer me an option to provide the written notice from the financial institution that they concluded, on XX/XX/XXXX, that indeed a credit inquiry that is showing on my Equifax report was obtained fraudulently. Standard timeframe is to see the inquiry removed in 60days. Equifax denied the first two, denied the complaint I filed through CFPB, and just today, XX/XX/XXXX, they would not provide me with the opportunity to attach the letter copy even though online there was not option to attach docs before submitting. They said something like nope, you can send it but that doesnt matter because its got to come from XXXX. Ive been inundated with personal tragedies for two years. Im a XXXX employee. I know my rights, but Im just so exhausted and they want me to give in when Im the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
At the end of XXXX I took out a loan for XXXX XXXX XXXX with XXXX XXXX XXXX on a 6 months same as cash for {$6200.00}. In XXXX I paid {$2200.00} towards the balance. On XX/XX/2023 I paid {$4000.00} to pay the loan in full prior to the 6 months. As of XX/XX/2023 this is still showing on my credit report as open with a balance. I have filed a dispute with Equifax but they keep sending me back to XXXX XXXX. I have been on the phone and in emails asking XXXX XXXX to correct this and they keep saying it has been reported there is nothing else they can do. I requested proof that this was reported on 2 separate occasions with no response. I need this removed from my credit report with Equifax immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.

Company response to consumer: Closed with explanation