vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.

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 2023-03-20 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: OH

Complaint narrative:
Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report.

Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.

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 2023-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXXXXXX XXXX XXXX XXXX  is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX  on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MI

Complaint narrative:
THE FOLLOWING INQURIES ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THESE INQURIES SHOULD BE REMOVED IMMEDIATELY. 

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 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

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 2023-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened one CD account with Capital one on XX/XX/2023 with an 11month 5 % interest ; I entered and confirmed the external account around XX/XX/2023 then opened another CD around XX/XX/XXXX. To date, the accounts have not been funded and I called my bank ( XXXX ) who stated they do not show anything coming in to transfer the funds over ; I have called Capital One twice, they keep saying they have had " technical '' issues with lots of customers and those are no longer available. they can not transfer the money and refused to give me any information regarding an ACH Trace to prove they even tried to fund it. They now say that CD is no longer available and I would have to request to open a new CD 's at 5 % but it would be 12 months and I will not get approval for at least 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
The Chase Sapphire Rewards credit card is a premium product that charges a {$550.00} annual fee. One of the benefits it offers is a Collision Damage Waiver for rental cars. Chase manages claims under this benefit through a website, XXXX XXXX XXXX. Upon submitting documentation of a claim, customers receive an email from XXXX stating that " your examiner will review documentation within XXXX business days. '' My experience below suggests this timeframe is misleading. 

On XXXX XXXX, I returned a rental car with a small scratch and was charged approx. {$300.00} to my Chase Sapphire Rewards card. After confirming with Chase that the incident would be covered under the Collision Damage Waiver, I requested reimbursement via XXXX on XXXX XXXX On XXXX XXXX, XXXX requested more documentation ( such as a copy of my credit-card billing statement ), which I provided on XXXX XXXX. 

On XXXX XXXX, XXXX requested a document that I had already provided on XXXX XXXX ( an " itemized estimate of repair '' ). 

I re-uploaded this document on XXXX XXXX with the file name " XXXX, '' along with a written explanation of my claim. 

Since then, I have received no formal updates, and my claim has not been paid. It is now XX/XX/XXXX - XXXX weeks after the last documentation was submitted. I've had to pay the cost of the damage out of my own savings. XXXX 's customer-service representatives have confirmed by phone that they have all the documentation needed and have attributed the processing delay to a supposed surge in claims related to the pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
Prosper upon new loan opening [ at the time my loan originated ] required consumers to enroll in automatic payments. These payments were only be processed when the minimum payment to the account has not been met. 

Although enrolled, I follow a fortnightly payment schedule [ set months in advance ] that covers the minimum payment and then some. My due date is on the XXXX. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX & XXXX, which covered the minimum payment of {$230.00}. These payments processed without issue. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX and XXXX, which covered the minimum payment of {$230.00}. The XXXX payment processed with no issues, leaving a minimum payment due on the account in the ballpark of {$110.00}. On the XXXX, despite being aware of a payment being scheduled for {$120.00}, Prosper 's payment system proceeded to process both the previously scheduled {$120.00} payment and arbitrarily processed an additional full month 's payment of {$230.00}. 

Prosper 's payment system logic is not UDAAP compliant and exhibits systemic abusive behavior against consumers in the following respects : 1 ) the system is designed with no inherent consideration to a consumer 's already scheduled payment plan 2 ) the automatic payment system is advertised as meeting minimum monthly payments, however it deliberately ignores other payments made during the billing period ( see example below ) 3 ) the automatic payment system does not have consistent practices ( i.e. in XXXX back to back months XXXX and XXXX I had {$120.00} payments scheduled on XXXX, XXXX, XXXX, and XXXX ; enough to satisfy the required payments for each billing period. There was no issue with an extra payment being processed in XXXX, whereas in XXXX Prosper decided to change their practices. 
4 ) Prosper 's loan origination process [ at least at the time of this loan ] pretty much forced enrollment into automatic payments [ you can see in my payment history I've managed my payments independently since account inception and this incident is the first time automatic payment has been utilized since the beginning. 
5 ) It is not readily apparent on Prosper 's website that the automatic payment are optional and consumer 's can un-enroll. On the phone the rep I spoke to ( XXXX phone call ) advised he could remove enrollment. 

Example for # XXXX Given a billing period from XXXX through XXXX and a theoretical minimum payment of {$200.00}. If a payment is made on XXXX for {$150.00}, the minimum payment to meet that billing period 's payment would be {$50.00}, not the full {$200.00}.

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
An eviction was filed against me by XXXX XXXXXXXX XXXX in XXXX and that eviction was dismissed via XXXX XXXX XXXX XX/XX/XXXX I have supplied the proof of dismissal to the 3 credit bureaus and this item is still being reported on my credit report despite the information being inaccurate. I have attached the court records which state the item was dismissed with a XXXX  balance. This debt is negatively affecting my ability to attain credit. I have called and requested that someone call me from the agency and they refuse to resolve or remove this item. They continue to call me asking for someone else and when I explain that that person does not have this number and explain I requested a call back I am told that my account is still under review. I was told my original dispute was received in their office XX/XX/XXXX and to date it is sill under review????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is against Synchrony Bank according to your ruling : https : XXXX I opened a dispute on CareCredit/Synchrony Banks XXXX back XXXX XXXX against XXXX XXXX XXXX. I am attaching files that I submitted to them which are narratives of what happened as follows : CFPBXXXX # XXXX ( These are narratives of what happened divided up so they CFPBXXXX  # XXXX ( are small enough to attach. 
XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( The dentist involved can be found with 3 different names : my XXXX appointment was with XXXX XXXX ( which is not now listed in the yellow pages ), XXXX XXXX XXXX ( which is the name my dispute with Synchrony Bank is for ), and XXXX XXXX XXXX ( which recently sent me a text saying I was due to schedule an appointment ). And, the insurance claims they submitted to XXXX is for XXXX XXXX. 

Im also attaching the following files that show all transactions from the beginning to XX/XX/XXXX. 

XXXX ( these are monthly Synchrony statements ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .XXXX XXXX ( XXXX ) .XXXX XXXX  ( XXXX ) .XXXX  The following files are print outs of Synchrony Banks All Activity summary. The activity is showing my 2 monthly payments, late charges and interest. 

XXXX XXXX The Explanation of Benefits showing what my insurance paid XXXX XXXX. 

XXXX XXXX ( XXXX ) .pdf I have been carrying this debt ( over {$5000.00} ) for 5 months and it has affected my credit score and my debt to income ratio. Im attaching a file ( XXXX ) that shows as of today, XX/XX/XXXX, a balance of {$5400.00}. They have zeroed the monthly payment again. That balance is for work they NEVER did because I chose not to go back to them. 

I have spent many, many hours on preparing and sending documents to CareCredit/Synchrony Bank and phone calls to CareCredit/Synchrony Banks XXXX department XXXX They are very non-responsive to disputes. I have also hired an attorney to help with this. I have already paid him over {$1700.00}. For about 2 weeks he made several calls to XXXX XXXX and left messages. They have been completely non-responsive. 

I believe Im sending enough information to get a complaint started. If CFPB needs more ( like emails etc ) just let me know.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account. 

XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account. 

I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint. 

XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint. 

I received three letters stating that they were investigating my complaint. 

XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid. 

XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details. 

XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. 

XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}. 

XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.

Company response to consumer: Closed with monetary relief