vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hi, I had installed the roof and gutters under a Fixed Pay Project Plan for 60 months from Lowes in XXXX / XX/XX/XXXX Suddenly in XX/XX/XXXX, it was converted into a purchase with interest added at 26 %. I have called several times in the past three weeks- One of the Customer Service agents mentioned that it was a computer glitch that changed all my information incorrectly. She said that she would excalate it to the manager. However, nothing has been done as of yet. 

I would like the Fixed Pay of 6.99 % to continue from XX/XX/XXXX on the amounts, without it being converted into a purchase with interest rate of 26 %. Additionally, the interest charged from XX/XX/XXXX should be credited back into my account. 

It is a Lowes XXXX Credit Card. 

Thank you 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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC reported a debt in the amount of {$110.00} to the credit bureaus that was opened on XX/XX/XXXX, and I was never notified or received a letter about this debt collection before they reported a collection to the credit bureaus. I have moved out of the apartment on XX/XX/XXXX and called to close this utility bill from XXXX. It is impossible for me to receive any letters if it was sent to that address. Now, this is affecting my credit score because I never received a proper notification from TRANSWORLD SYSTEM INC. I also called Transworld System Inc today to just pay {$110.00} for a pay for delete, but I was told by their representative that they do not do that, so even if I pay for this debt which I have no clue about, my credit will still be affected in a negative way ; this call was being recorded by them as to what their representative stated, and this can be verified by them if they want to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian fraudulently utilizing bait and switch patterns in response to violations being reported resulting in misinformation, inaccuracies and flat out unlawful and illegal CRA practices. I am writing on behalf of my client to bring to your attention a serious issue with the information on their credit report. Upon review of the report, it has been discovered that there are several errors and false statements contained therein. After conducting an investigation, it has been determined that these errors and false statements are the result of your agency 's failure to properly verify and authenticate the information that has been included on the credit report. | Specifically, it has been discovered that Experian fraudulently transposed two separate issues that occurred on XX/XX/XXXX and XX/XX/XXXX, resulting in the inclusion of false and misleading information on the consumer report. This transposition has caused significant damage to my client 's credit score and reputation, and has made it difficult for them to obtain credit, loans, and other financial services. | On XX/XX/XXXX, my client submitted a complaint through CFPB regarding Experian 's violations of the Gramm-Leach-Bliley Act ( GLBA ) and the inclusion of false and misleading information on their consumer report. Despite providing a copy of the consumer report in question, Experian marked the complaint as " vague '' and " unclear '' on XX/XX/XXXX. On the evening of XX/XX/XXXX, my client submitted another complaint through CFPB regarding Experian 's misconduct on a separate account that was found on their credit report. | Experian falsely reported the issue on XX/XX/XXXX as re-investigated updated and resolved on their website, void of any CFPB notice. Furthermore, Experian has denied my client access to dispute any inaccuracies on their consumer report through their website and has forced them to utilize the CFPB for all complaints, disputes, and inquiries. | Experian has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to follow reasonable procedures to ensure the maximum possible accuracy of the information on my client 's credit report. By failing to properly verify and authenticate the information on the credit report and fraudulently transposing two separate issues, they have violated the FCRA and caused my client significant harm.

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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was scammed on XXXX XXXX XXXX out of {$1100.00}. This company called XXXX XXXX XXXX XXXX XXXX XXXX  promised two days shipping said they sent it XXXX. They sent it to not XXXX  but this place : XXXX XXXX XXXXXXXX They in turn said they would only ship it for XXXX more dollars. At this point I refused to pay themXXXX And they told me to XXXX XXXX XXXX  PLEASE help. I had no money. I tried to start this because I am a XXXX XXXX and I was trying to earn money. I am now broke. I really need advice on how I can get a refund. Cash app has not helped even though I paid ANOTHER cash app customer. PLEASE PLEASE can someone help? My number is XXXX. 
I have ALL the documents and texts and websites. Please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Went to make my payment with many of my community store charge accounts ( recently XXXX and XXXX XXXX store credit cards ). My due date was XX/XX/2023, went to pay at XXXXXXXX XXXX, and their was a message statement saying " Please submit your payment by XXXX E.T. '' I selected my payment options, the payment schedule showing my due date, and would not let proceed, until I had to pick the date of the XXXX of XX/XX/2023. Which made my payment late! No another late fee. How can they ALL get away with these early cut off times, how is fair to the comsumers trying to keep their budgets and credit scores in good shape. I personally can not auto pay I have a tight current budget. If the DUE DATE is the XXXX then you should be considered on time! Because you paided on the correct date. The greed ... Now late fees are piling up, Same with XXXX XXXX Department stores, Just happened to my mother 4-5 months ago, And that was a nightmare completely. With them they add a late fee, if they credit it back to you it will not show up until next billing cycle, and they demand the late fee no matter what ; or your account is considered behind, what a bunch of crooks! Even though your payment were done on it's due date, but on early evening the consider it the next day! The greed, where are the Comsumers WATCHDOGS, someone needs to reel the greedy creditors in. Most comsumers are on a tight budget and the unnecessary late fees can destroy your budget V/r XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a XXXX  check in the amount of {$15000.00} in XXXX  on XX/XX/2022. The conversion rate that they used was XXXX which is incorrect because the conversion rate should have been at least XXXX. Both of my sisters received the same amount ( this was an estate check from my mom ) and they received more than XXXX and I only received {$17000.00}. I filed a complaint and the number is XXXX and I spoke to both XXXX XXXX XXXX XXXX and XXXX at XXXX and they told me they can not help me so I'm hoping that you can. The bank is Truist.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.

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 2023-01-10 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: FL

Complaint narrative:
Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-01-10 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: MD

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
There's incorrect information reporting on my credit report. please remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
So I discovered about this XXXX XXXX Credit Card which was charged due to missing payments on my credit report. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have 2 active credit cards which are on my report and in good standing. This charge needs to be taken off from my credit report as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on Experian to which I can call to. I have already filed dispute with experian which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my credit score.

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: RI

Complaint narrative:
I have collections in my name on my credit report, that 4 of them had health insurance at that time and the place where I attended did not get to communicate with my insurance, time passed and the insurance was no longer able to pay the bills because their estimated time to send the request to do so passed and they never contacted my health insurance again. and number 5, the amount is {$640.00}. I have proof from my medical insurance that the bill was paid at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Businesses : Chase Card Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and/or XXXX ) Issue : Unauthorized credit card charges XXXX XXXX XXXX  Automatic debit credit card without authorization Invoiced payments are first applied to the oldest amount ( dates were not invoiced ) due dates then invoiced again for the same dates Chase Card Services ( Chase ) Informed Chase that automatic credit was not authorized, both telephonic and written Closed Chase after unauthorized credit card charges by XXXX. 
Issued a new card ; and Chase processed XXXX charges on new credit card Held financially responsible by Chase XXXX Since XXXX, I was a patient of XXXX. In XXXX, XXXX purchased XXXX. XXXX applied two practices : Automatic debit credit card ; and payments applied to oldest debit first. 

On XX/XX/XXXX, I received an e-mail from XXXX. On XX/XX/XXXX, XXXX will charge {$50.00} every Monday on outstanding balance, see XXXX XXXX. I spoke with XXXX, XXXX XXXX, that stated that my account will not be charged. On XX/XX/XXXX and XXXX, without authorization, XXXX charged my Chase Credit Card Account Number ending in XXXX, collectively {$50.00}. Account was closed immediately, and a new credit card was issued, account ending in XXXX. 

On XX/XX/XXXX, XXXX charged account XXXX {$50.00}, and Chase applied it to XXXX, without my authorization. I requested to close the account again instead a Chase agent placed a payment block on XXXX. On XX/XX/XXXX and XXXX and XX/XX/XXXX, XXXX submitted {$50.00} payments for each date and Chase processed them. For each date a verbal/written stop payment was submitted to Chase. 

In XXXX, I permanently closed my Chase account. To aspirate the problem, Chase has issued temporary credit for each charge, but stated in " Update : Your account has been credited '' that the credit will remain on my account while the issue is being reviewed. I should not be held responsible for {$250.00} plus interest. 

XX/XX/XXXX : Re-dispute letter, Chase XX/XX/XXXX : Dispute letter, Chase XX/XX/XXXX : XXXX XXXX XXXX payment errors

Company response to consumer: Closed with non-monetary relief