vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.

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 2024-08-05 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: MS

Complaint narrative:
Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE.

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Based on, 15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE. 

RESOLUTION Delete these accounts unless you want to be held accountable for {$1000.00} per account.

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 2024-08-05 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: NY

Complaint narrative:
After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXXXXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When I send money abroad, a XXXX XXXX exchange rate mark-up against the mid-market rate isnt communicated as a cost. 
{$5.00} handling fee creates the impression it is the only charge for the transaction. 
Chase discloses they make money from currency exchange, but doesnt specify how much they mark-up their exchange rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Purchased a XXXX XXXX subscription at a persentation and when we got home and found out more about company tried to cancel subscription by calling company. The New Member Agent would not cancel and would not give me any other person or phone number to cancel. After more research found that we did not recieve a copy of the full contract at the presentation. Called the NMA again and requested a copy. In the mean time called Chase and did a dispute on charge in which they put a hold on payment while researching. It took me 3 more calls to the NMA to get a copy of the full contract over 30 days later. During that time Chase stated the transaction was a valid transaction even though in my complaint stated we did not recieve a copy of the contract which had the time and address to submit a cancelation. I then protested Chase/s reply and again they denied it. Once I recieved a copy of contract I sent a certified letter to cancel subscription which I have never recieved a reply. After researching more on XXXX XXXX XXXX I found other people have had similar results with XXXX XXXX XXXX. There is no contact or business address on their website and that their website is owned by a proxy company. I again protested the transaction with Chase ( even though I have paid the whole {$3900.00} balance ) giving them more information about XXXX XXXX XXXX and stating they appear to be a shell company and that they delibertly failed to give us a full copy of the contract to prevent us from canceling on time. Again Chase has stated the transaction was valid and informed me that they would not respond to any more correspondance regarding this matter.

As a note I have tried to book a trip with XXXX XXXX XXXX to see if they can save ys tge money they stated at the presentation. All I recieved is emails with alot of garbage information that is very hard to understand. When contacting Reservation Agent by phone she stated I should contact hotel directly for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.

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 2024-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-05 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2024-08-05 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: MO

Complaint narrative:
There are inquiries on my credit report that wasnt me nor was I of age to have credit when they were filed.

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 2024-08-05 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: MO

Complaint narrative:
There are inquiries on my credit report that wasnt me nor was I of age to have credit when they were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FC HoldCo LLC
State: LA

Complaint narrative:
I have inquiries on my credit report that I didnt authorize

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 2024-08-05 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: MS

Complaint narrative:
I paid my credit card balances in full and on time and paid my monthly mortgage paid in full and on time. XXXX, Transunion and XXXX dropped my credit score by 1-2 points. Every month I pay in full and on time my credit score is reduced.

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 2024-08-05 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: OH

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Hard Inquiries not mine 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 Equifax has XXXX XXXX score dramatically compared to other bureaus XXXX XXXX XXXX by all the inaccurate and XXXX reporting claiming my credit line dropped XXXX from XXXX when it didn't, and balances not updated in months. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for XXXX purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SC Opportunity Fund LLC
State: GA

Complaint narrative:
Dear Admin, I am writing to formally file a complaint against The Loan Store regarding their actions concerning the mortgage loan for property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the day of closing, scheduled for XX/XX/year>, I was informed by my closing attorneys office, a mere XXXX hours before the scheduled closing time, that The Loan Store had unexpectedly reduced their contribution to the mortgage loan by {$500.00}. This drastic change was communicated without any prior notice, explanation, or opportunity for discussion. As a result of this last-minute alteration, I was forced to write a personal check for a substantial amount to cover the shortfall of {$340.00}. This unexpected financial burden caused significant inconvenience and stress. The actions of The Loan Store represent a clear breach of good business practices. By unilaterally reducing their contribution to the mortgage loan without any prior notification or explanation, they have demonstrated a complete disregard for their customers financial well-being. I am requesting that you investigate this matter and they be held accountable. I seek a full refund of the amount I was forced to contribute due to their last-minute adjustment. 

Additionally, I believe it is imperative that The Loan Store be required to implement measures to prevent similar occurrences in the future. I have attached copies of all relevant documentation, including the closing disclosure and the personal check written to cover the shortfall. The most recent disclosures received were XXXX days prior to closing until I received a paper document at the attorney 's office. Again, this was without approval. The adjustment was for {$500.00} leaving me owing {$340.00} out of pocket. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Desired settlement : Billing adjustment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/ 2024, I received an email from Chase bank stating that a replacement debit card had been issued to me. I had not requested said card. On XXXX XXXX XXXX my wife received an alert notification stating that the account was overdrawn. 
Upon inspection, we noticed three ( 3 ) ATM withdrawals at the above mentioned branch, and one charge at a gas station in XXXX XXXX, AZ. My son 's linked account was also accessed at teller number one, at XXXX. His claim number : XXXX. My wife called and spoke to the bank manager and he confirmed the transaction, as he was the one at teller number one. 
We immediately contacted the bank 's fraud department and worked with them to cancel the card and issue us a new card. 
Claim number : XXXX The bank manager, XXXX, suggested we file a police report, which we then did ( Case number XXXX ). They have camera footage of the perpetrator. According to Chase Bank I need to get a subpoena to get access to the video. They state that according to their records there was no fraud perpetrated. I have proof that I was nowhere near any of the locations at the time of the cash withdrawals. 
I reported the incident to the XXXX XXXX XXXX  and the bank reached out to me thereafter in response. 
To date Chase Bank has not resolved this according to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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:
This account is fraudulent, my identity was stolen 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 2024-08-05 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:
This account is fraudulent, my identity was stolen XXXX XXXX

Company response to consumer: Closed with non-monetary relief