vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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: 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 Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2022-09-26 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase falsely advertises my Chase loans, and they want them to work in a fraudulent way that is unfair to consumers as a whole. In my experience, I took out 2 different loans totaling around $ XXXX. The money was deposited into my bank account and everything seemed fine. Only though that wasn't the case, after 2 months I learned what they're really doing. If you continue to use your credit card as normal like 99 % of the world population. When you pay it off, ALL of the money goes towards your loan balance at the super low-interest rate and you're stuck with credit card debt. For me I NEVER carry credit card debt and never have, I took out loans for home improvement and Chase has conspired against me to make more money. I'm not sure I'll do business with them, I love my rewards card but this is anti-consumer. 

When I called Chase to fix this, the first line rep was completely useless and said it can't be wrong. I got transferred to an account supervisor named XXXX based out of XXXX XXXX Texas and within 5 minutes of her looking she told me my statement was wrong, she immediately reversed the incorrect interest charges and told me it would go to escalation and I would hear something back by Friday. Well Friday and the weekend passed and I never heard anything back, so on Monday I called Chase and got to the right department. I was told they can't view the letters being sent to me, and they're physical mail instead of email or through their messaging center. And that Chase just said the statement is correct and I have nothing I can do about it. So I told them they're fixing it or I'm filing a CFPB complaint and well it's very clear what happened next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I saw that a Credence Resource Manage was stating I own them {$750.00}. The company claimed they sent me many letters and I never received them. Once I saw the collection item on my credit report, I requested that they send me the contract I sign, along with my state identification, and last 8 months of payments. I ask for this for them to proof the account was mine and I open this with them. I am still waiting on this. I have never open any account with them or XXXX. 
They claimed I made payments to them, I have never paid CREDENCE RESOURCE MANAGE any money or have I signed any contract with them. I have reached out to them by phone and letters by in XX/XX/2022 and XX/XX/2022 and have not received a respond or return letter. 
They need to provide the proof that I opened this account and they are entitled to whatever they say I own to them. 
This negative item is showing up on XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: AL

Complaint narrative:
I have purchased a fridge on amazon.com on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but when we opened the packaging there was a huge damage to the front of the fridge so I rejected the fridge and refused delivery. The amazon driver was still at my home so he called amazon and he was told to return the fridge back to Amazon warehouse on XX/XX/2022. Until today XX/XX/2022 I still have not received a refund on this item from amazon. I called synchrony bank and disputed the charge of XXXX dollars from XX/XX/2022 against amazon on XX/XX/2022 but Synchrony Bank is NOT helping me resolve the issue and they have not given me a credit for the disputed amount and they have not resolved the issue. This charge is for an item that was rejected and refused delivery and returned back to amazon. I do NOT have the item and synchrony bank should resolve the dispute to my benefit and issue me a refund and a credit to my account for XXXX dollars. This is a very simple disputed charge claim. The item was returned to the seller so I should get a refund of my money XXXX dollars Transaction date is XX/XX/2022 Amazon.com for XXXX dollars

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 monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Hello, I got an email saying Mr. Cooper would beat another lender 's closing costs by {$500.00} or they would send me {$500.00}. I got sent in everything my loan officer requested and he came back with not being able to beat the other lender. I asked about how to redeem this offer I had and he said I would be emailed how to redeem this in a little bit. He acknowledged I should receive this since they couldn't beat the other lender. I never received this. I followed up multiple times with my loan officer. He called me once and said the email should have been sent and he would try to get a copy of what the email would look like. I followed up via email and then I never heard back from him. I followed up on the following dates and have attached the email thread showing this : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please investigate first why I am being ignored by this loan officer and also why I haven't received my {$500.00} yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

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 a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

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 a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-09-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX  ( XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I bought from XXXX an auto starter, charger was for starter and core return. I return starter and was only given credit for core return. I did a dispute, which they did nothing, and never even sent me a letter closing it, just recharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a Bank of America Credit Card and it has been fine to use, however recently I got an email that a savings account i " applied '' for was approved, but I did not apply for one. 

Now, I can not continue to use my primary checking account at another institution to pay the BoA Credit Card bill, it seems I have to use the savings account i did not ask for. 

Its frustrating, and I may try to transfer my balance to another bank to clear it from BoA and be done on that side.

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 2022-09-26 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: NJ

Complaint narrative:
in accordance with Fair Credit Reporting Act, XXXX bank XXXX # XXXX and XXXX XXXX  accnt # 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 agency can not furnish an account without my writted instructions 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

These fraudulent accounts remain unverified, as I never requested them as well as they have failed to provide proper 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 non-monetary relief
Consumer complaint received 2022-09-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.

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 2022-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: CT

Complaint narrative:
XXXX has submitted a balance owed on me account to McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX, OH XXXX Main : XXXX - I have requested in writing a settlement offer on my account to close this out. I have not gotten any written communication on this matter. 
As I mentioned, according to your website, we should always get something in writing before making a move. 
As of today, {$580.00} was the settlement offer provided. I requested something in writing and nothing was provided. I was told by the collection caller, I need to pay first and then a letter would be released. I want a letter now - then I will settle my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There was a balance of under {$6.00}. We attempted to call to make a payment but ivr indicated that there was not balance. Have escalated the issue multiple times because the account has now been closed without notice. After speaking to multiple people about their system not being synced, I was told that they could not talk to me if I did not submit a document as my Fathers agent. This account has been active since 2003.

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 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Acct # XXXX this company is reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company has reported inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct XXXX XXXX this company is reporting inaccurate and incomplete information on my credit report. This is account is also possible older than 7 years old with the original creditor and I tried to find this business and it could possibly be closed or under a different name. 

This is negatively affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed through XXXX Someone hacked my account and took my whole social security check On XX/XX/2022 someone added a unauthorized person to my XXXX Account and withdrew XXXX my whole Social Security check through my Bank Of America App. 
Bank of America Denied my claim!!!!!!!!! 
They are saying the transaction came from my phone and that I authorized this transfer which I didnt at all. 
Im a XXXX yr old senior citizen and been with BOA over 25 yrs and These people will not cover this claim!!!!!!!! This is Unbelievable and Disgusting as a institution they dont cover XXXX yet they Own it!!!! I am now facing Hardship with my rent as Im unable to pay my Monthly Bills

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 monetary relief
Consumer complaint received 2022-09-26 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: OK

Complaint narrative:
This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX  Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account XXXX : XXXX XXXX Account # 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 2022-09-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX Acct # XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX XXXX Acct XXXX XXXX this company is still reporting inaccurate and incomplete information on my credit report. 

XXXX XXXX Acct # XXXXXXX. this company is still reporting inaccurate and incomplete information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief