vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion refusal of allowing me to have online access to my credit report like any other consumer. I've made several request to have online access so that I may monitor and establish certain credit protections like most consumers have with credit monitoring. They refuse to give me access to my own report. They only offered to mail me a copy. I explained that bout time I receive a mailed report the report wouldn't be inaccurate as credit is in real time and change by the second. I feel controlled and punished and more importantly picked on and discriminated by Transunion.

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 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
My husband and I set up an account with XXXX to have monthly security monitoring at our house. A technician came out to set up the equipment. XXXX outsources all of their installations. The technician was at our house for hours, much longer than we thought he should have been. We had evening plans, and told him he would have to go. He said he could stay and finish, and he asked for me to leave my phone with him. He said he would install the equipment and get it set up on my phone. I left my phone and the technician finished the installation. We quickly found out that while he had my phone, he had approved a {$5000.00} credit card to pay for his services. I was NEVER given a total amount to approve, and I NEVER approved the card to begin with. On the phone, we agreed with a plan through XXXX. Then the installer came out, opened a credit card, and charged it for {$5000.00} when I had never authorized anything outside of XXXX. I have been fighting this charge from the very beginning and it is now going on close to a year. The charge card is through Home Design/Synchrony Bank XXXX This happened in XXXX of 2023 and Synchrony Bank has refused to help me.

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 2024-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I booked a rental car with XXXX via XXXX For XX/XX/year> upon arrival I was charged for XXXX separate refundable deposits XXXX for XXXX and another for XXXX. ( I was only supposed to be charged for XXXX deposit!!!!!! ) they told me both are refundable and are just for accidentals! And will be returned! Moving forward the car given to me was super unsafe and did not meet standards problems such as a broken drivers door, broken/ missing headlights, and I found out the horn didnt work while driving! Putting me in a life threatening situation! I contacted the Rental Company with all my grievances in hopes of an exchange for a safer vehicle! They told me they didnt have any and that they would call me when XXXX became available ( they never called me ) I ended up returning the car and the person doing the inspection told me the money I deposited ( $ XXXX {$250.00} ) will return in XXXX  days.. the company ends up trying to keep both deposits with claims that I returned the car dirty! $ XXXX the company is trying to scam me out of for false claims!! And CAPITAL ONE IS ALLOWING IT TO HAPPEN! no proof no proper investigations are done by CAPITAL ONE! they never even attempted to contact XXXX! and since I made a claim with me bank XXXX can no longer negotiate on my behalf so its solely up to CAPITAL ONE to thwart this companys attempt of fraud!!! I have a another complain with Capital ONE being handled by a XXXX EXT XXXX whom I attempted to contact on multiple occasions ( email, voicemail ) and Ive never received or heard anything back!! The communication is horrible I can never get in touch with the representative no matter what do! Capital One is allowing me to get scammed and is failing to properly protect their customers from fraudulent situations as such! ( assign someone other than XXXX please someone the returns calls or reaches out! )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal charge account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection utitliy account opened at XXXX XXXX XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-21 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: Chime Financial Inc
State: KS

Complaint narrative:
In XXXX of XXXX I made a dispute with chime about transaction that I didn't authorize XX/XX/XXXX of XXXX, from XXXX, XX/XX/XXXX of XXXX from Ask mode and XXXX XXXX for XXXX I was denied for my dispute for these transactions but not giving me a reason why XXXX lady had told me it was for groceries bought in XXXX XXXX which I live in XXXX XXXX XXXX and never got any information even though I kept pursuing the matter now here it is XXXX of XXXX and I had another dispute for chime on a charges from XXXX and the date started on XXXX XXXX charges totalling XXXX I was giving a credit back of XXXX dollars and with my card blocked and the company blocked they were still able to remove funds from my account I have had XXXX rebuttals in which I was supposed to get my money back on the XXXX of XXXX when I received a email stating that I will not receive any funds due to their dispute team said found no unauthorized transactions, in which they received a police report and document from XXXX statements saying I don't have a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Collections West, Inc.
State: FL

Complaint narrative:
Debt is over 7 years old and is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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.

The information and Accounts listed below have violated my rights.

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


1. Names disputes- 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 2. Address Disputes- 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 Employer Dispute : 1. Current Employer XXXX XXXX XXXX XXXX XXXX Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Status and balance Request immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXXXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXX status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXXXXXX XXXX XXXX  NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX incorrect balance and status : request immediate deletion account SOLD - Account XXXXXXXX XXXX XXXX incorrect balance and status : request immediate deletion

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/scrub> 2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. We are investors in Chase. While they're acting as an intermediary between the Trust and the Federal Reserve. Accepting funding from the Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of its fiduciary duty, when a fiduciary fails to act responsibly in the best interests of its client/investor. They are taking every deposited check, and every federal reserve note that is deposited into the Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. on XX/XX/year>2024, at XXXX I was transferred to Chase Customer service department to ask for a reversal of Overdraft fees that were charged to my account. The representative put into the system a request to have the fees returned to me. I was then informed by the XXXX that my request was denied. I asked for my call to be escalated to a person that I can instruct to have the fees reversed and I was transferred to a XXXX XXXX XXXX, ( spelling he gave me ) XXXX  in the escalation department. XXXX XXXX tells me that he will not be reversing the charges. I am an investor in Chase. While they're acting as an intermediary between my Trust and the federal reserve. Accepting funding from my Trust, as an investor puts Chase in a fiduciary role. It also requires acting ethically, leading effectively, and fulfilling their fiduciary duties. Chase is in breach of fiduciary duty, when a fiduciary fails to act responsibly in the best interests of an investor. They are taking every check and funds that is deposited into my Trust account and securitizing it. This was never disclosed when the account was open. This is allowing them to make XXXX 's what was deposited and giving back nothing. This is considered UNJUST ENRICHMENT. We are Instructing Chase to return the fees charged to the account. We are also requiring copies of all 1099 A 's, 1099 B 's ,1099 C 's, 1099 OID 's, filed using the Trust EIN or any Social Security # used to open the Trust account for XXXX XXXX Private UNREVOCABLE TRUST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, my husband and I were vacationing in XXXX XXXX XXXX XXXX XXXX XXXX 
We booked a day tour with XXXXXXXX XXXX XXXX XXXX XXXX on the nearby XXXX XXXX XXXXXXXX and XXXX XXXX. We traveled by ferry to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX was supposed to meet us in a XXXX to tour several sites on the XXXXXXXX XXXX  XXXX was over XXXX minutes late picking us up... we didn't realize until we left in his XXXX that the entire island was flooded and the majority of the roads, beaches and sites we were told we would be visiting were flooded and closed due to heavy rains. 
XXXX insisted on driving us around for several hours through flooded roads and across a flooded causeway. The caves were closed by the local governments due to flooding. We didn't get to see any of the sites that were promised. 
We requested a reduction in his price due to the lack of sites we were able to experience. He refused and insisted we pay if we wanted a ride back to the ferry! 
He THEN TOOK US TO A LOCAL FILLING STATION, XXXX XXXX XXXX XXXX XXXX who provided us with NO SERVICES and insisted we pay {$510.00} with our credit card on their merchant machine. After we paid, he returned us to the ferry over XXXX hours before our excursion was suppose to conclude. 
When we returned to the resort I complained to the concierge who suggested I dispute the charge when we returned to the XXXX. 
I have disputed this twice with Barclays who is the bank for my Wyndham Rewards Credit Card Company. They have refused to credit me because the transaction was a face to face transaction, but what choice did we have? We were in a foreign country on a deserted island and needed to get back to the ferry so we could be transported back to the island where our resort was located. He basically extorted money from us. 
I've attached all receipts and documentation showing we had email confirmation with XXXX XXXX XXXX XXXX XXXX, but the receipt for {$510.00} is with XXXX XXXX XXXX XXXXXXXX XXXX. I've also included all documentation with Barclays regarding my request to dispute this charge and credit my account, along with their denial letters. 
My XXXX XXXX with Barclays is : XXXX. I have faxed my information to them twice now. Once on XX/XX/year> and again today, XX/XX/year>. 
I sincerely appreciate your assistance with this complaint and I look forward to hearing from you. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-21 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
Recently saw a credit inquiry on my credit report that I did not initiate. I received a " XXXX XXXX '' in the mail about a week ago that I did not apply for. I've spent hours trying to contact an agent at this company. They have a special prompt that puts you on a forever hold status, saying that an agent will be with me shortly. I get hung up on after I reach the hour threshold. The companies information follows : CONTINENTAL FINANCEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: VA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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