vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yield Solutions Group, LLC
State: VA

Complaint narrative:
I refinanced my auto loan via REFIJET/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX disbursed funds via ach to REFIJET to disburse to my previous lender on XXXX, which REFIJET received on the same day XXXX. 

Today is XX/XX/19 ( 11 days since they received said funds to complete the transaction ) and REFIJET still has not disbursed funds to payoff my previous loan, causing me to lose money in interest roughly ( {$22.00} a day ) on two open auto loans while RefiJet holds the XXXX in their account to collect interest ( this is a clear violation of Unfair, deceptive, and abusive acts and practices ( UDAPP ) by withholding disbursement to enrich themselves. 

I called REFIJET today XX/XX/19 asking why is it taking this long - their response was it takes time to process a check, really... 11 days?!?!? 

Once again a clear disregard of UDAPP regulations which were created to stop this nonsense from financial entities. 

I want a refund of the interest I've loss from both open loans since XXXX, due to Refijet holding MY money and not disbursing in violation of UDAPP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'M CURRENTLY XXXX AND A VICTIM OF IDENTITY THEFT CAPITAL ONE ACCOUNTS ENDING IN XXXX, XXXX, XXXX AND SPARK BUSINESS ENDING IN XXXX WAS FRAUDULENTLY ESTABLISHED UTILIZING MY PERSONAL INFORMATION. CAPITAL ONE ALSO TOOK MONEY FROM MY CHECKING ACCOUNTS WITHOUT MY CONSENT FOR THESE FRAUDULENTLY OBTAINED ACCOUNTS I DID NOT ENTER INTO ANY AGREEMENT WITH CAPITAL ONE, PROCESS ANY APPLICATION FOR A LOAN NOR DID I AUTHORIZE OR GIVE CONSENT FOR ANYONE ELSE TO DO SO. I WANT ALL THE MONEY FRAUDULENTLY TAKEN REIMBURED, THE CAPITAL ONE ACCOUNTS REMOVED FROM MY CREDIT REPORT AND ANY NEGATIVE INFORMATION REMOVED FROM CAPITAL ONE 'S SYSTEMS COMPLETELY. 

I CAN BE CONTACTED AT : XXXX XXXX XXXX XXXX XXXX PRIVILEGED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for discrepancies in the way they have reported my account information to credit bureaus. I have encountered issues with two accounts, and despite my best efforts to rectify the situation with XXXX XXXX XXXX directly, the matter remains unresolved. 

Account Details : Account 1 : XXXX XXXX XXXX Charged Off Account Account Balance : {$810.00} Credit Limit : {$500.00} Additional Fees : {$310.00} ( Junk Fees ) Discrepancy : I contest the validity of the imposed junk fees, and I believe they have been unfairly assessed. 
Account 2 : XXXX  XXXX XXXX Paid in Full, Closed Account Account Balance : {$0.00} Credit Limit : {$6500.00} Payment History : 30-Day Late Payment reported in XX/XX/2021 Discrepancy : I have never missed a payment, and I have substantial evidence to verify that I paid the account in full. 
Consumer Banking Laws and Codes ( New Jersey ) : In accordance with New Jersey consumer banking laws and codes, including the recent legislation signed by Governor XXXX XXXX : New Jersey Statutes Annotated, Title 17 - Corporations and Institutions for Finance and Insurance New Jersey Administrative Code, Title 3 - Banking and Insurance Governor XXXX Signs Legislation to Safeguard New Jersey Consumers Against Unfair Credit Card Surcharges ( A4284/S3508 ), which prohibits sellers from imposing certain surcharges for credit card transactions Issue : Despite my attempts to resolve this matter directly with XXXX XXXX  XXXX , they have not corrected the inaccurate reporting. As per the Fair Credit Reporting Act ( FCRA ) and the New Jersey consumer banking laws, I have the right to accurate and up-to-date information on my credit report. XXXX  XXXX XXXX 's failure to update my payment history is a direct violation of my rights under these regulations. 

CC : New Jersey Attorney General 's Office

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 2023-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

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 2023-09-19 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a claim in XXXX of XXXX in the amount of {$1000.00} it was denied XX/XX/XXXX reopened XX/XX/XXXX denied XX/XX/XXXX reopened XX/XX/XXXX & since then its still been pending its been over 3 years Ive been waiting on a resolution Ive called numerous times only to be given the runaround and told there is no time frame for a resolution which is absurd because how long does it take to investigate unauthorized charges theres no way it takes over 3 years I filed a complaint & an escalation XX/XX/XXXX & they still said as of today that there is no time limit on this claim or the escalation Im not sure what is going on but I need help with this matter

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
As per my previous complaint states, Ally is inaccurately reporting my loan that was paid in full. They marked it as disputed and its being reported disputed and included in XXXX XXXX XXXX. Ally themselves states my account was paid in full. They stated during the process of my bankruptcy I continued making payments. I also signed a waiver from Ally. This account was paid and not included in a bankruptcy. My bankruptcy was XXXX XX/XX/2021, and I continued to pay the loan until XX/XX/2021 when the loan was paid in full.

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 2023-09-19 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: NC

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 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 2023-09-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The Home Design Loan from Synchrony Bank was offered by the company XXXX XXXX. The company billed my credit card before the work was completed as agreed upon. One document has a forged signature, the other has discrepancies as to the initial work and cost. The company never allow me assess to the eSignal documents on their device, and refuses to address the issues at hand. The documents that I received were sent to me by Synchrony Bank. The company never gave me access to the documents I requested on XX/XX/2023. The Bank stated that they did not have my signature on file, hence my dispute was deemed as a service issue.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This is an addendum to my previous complaint. I have been on the phone dealing with the fraud department and all their shifting me from one department to another. The upshot of all this was that no matter what I did they would not be able to make the transfer to my other bank, they could not close the account and send me the money. The REASON that the transfer was rejected was that THEY could not verify that the account was owned by me ( even though I identified the minor deposits and withdrawal that they did to verify my account ). I called the other institution and verified all that they said Chase couldn't. I suggested many times that if they wanted to verify my ownership of the account, I would be willing to have a three way call with the other institution in which I could give them my bona fides and they could then verify with Chase that I was the owner. They stated many times that this could NOT be done, even though one of their employees in technical support suggested it and bounced me back to the fraud department. Even if I resubmitted the exterior account and went through the verification of minor deposits and withdrawals, I still would be rejected. I asked them to send me a cashiers check, but they could not do that over the phone. The only option they gave me was to drive hundreds of miles to a Chase branch and take out a withdrawal. THEY ARE HOLDING MY MONEY HOSTAGE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-19 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-19 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: TX

Complaint narrative:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. Please remove.

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 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in 2011. I suffered economic loss from XXXX forward to XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
We purchased ( 3 ) Vanilla Visa cards at XXXX and they loaded them with {$500.00} each on XX/XX/2020. They have NEVER worked. We have disputed with our credit card company XXXX XXXX but they closed the case because XXXX said they loaded the cards. We have opened cases with XXXX and can get no where. We have opened a case with Vanilla and sent them everything they have requested via email. Complete run around, no new cards, no credit, no response. We have made more calls then we can count and nothing. Vanilla says they don't exist, they do and are in our hands with the activation receipt. They have XXXX dollars on them and have never had a XXXX on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: WA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-09-19 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: NJ

Complaint narrative:
Reached out to Transunion for the 3rd time today in regards of dispute made that account came back as " verified ''. Representative said it came back verified, i asked how did they verify and they said creditor just verified without any documentaion. Letters were sent certified mail, fax & via cfpf requesting method of verification. I have confrimation that they reccieved all coorospondance and followed up via call to ensure that they reccieved it. Was on the phone with rep for 45 minutes with the rep and he failed to help. Once i stated that i was going to take legal action due to my rights being violated and i would be seeking damages then i was transferred to a specialist. Specialist did not help with my request at all after advising them that this account keeps coming back " verified '' the rep told me that they dont have to provide proof of verification. Once i stated that i was being violated of my rights as a consumer, the rep said that they sent method of verification in which earlier he said they never did and did'nt have method of verification. When asked for proof of method of verification specialist hung up on me with saying anything. I am very disappointed in this company and would be taking legal action against them in this account isnt removed in 24 hours. I provided the documentation that they asked and i never reccieved the method of verification.

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