vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information I am reporting to you my correct personal information. 

This is my correct personal information : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX Employers : Michigan Department of Corrections Date of Birth : XX/XX/1981 The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : I have never lived there. I don't know why this is listed on my credit report. I want this address removed immediately. 

If my information is not updated to what I have requested I have been in contact with a consumer financial law attorney and if all the incorrect and obsolete information is not removed from my report I will be pursuing civil litigation against Experian without hesitation.

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 2022-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I contacted XXXX XXXX, my old apartment complex because they said Me and my husband owed a ton of money when we moved out. I contacted them and they took off quite a bit with the proof of documentation I had. I sent quite a few certified mail letters and emails and they wouldnt responded. I tried very hard because I had paperwork from them supporting that I owed no money and I did everything correctly when I moved out. They would never respond to me and I couldnt do anything about it. I never received anything about this going to collections. I have leases and documents since the time I moved in 5 years ago to prove everything but they r not willing to look at anything. Also they recently switched management and dont have a lot of the older documents. They are XXXX who were horrible and I felt constantly endangered for my life because they did nothing to protect anyone. I always felt scared and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CA

Complaint narrative:
15 USC 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 a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.

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 2022-05-02 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Citizens Banks has incorrectly updated my credit report which has adversely impacted my credit scores and ratings in a negative way. In the comments section of the report Citizens Banks is reporting that the account was paid by the dealer. This is incorrect as I paid the account balance in full and have provided a letter to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " 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, and all other hard inquiries that are not associated to any current or pre-existing accounts 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

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 2022-05-02 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts " 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, and all other hard inquiries that are not associated to any current or pre-existing accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc.
State: OH

Complaint narrative:
Hi, I fell behind on a loan with XXXX XXXX. I due owe a debt to XXXX XXXX, that is not the problem. The problem was someone calling claiming to be a third party debt collection agency here in XXXX. The caller used a stage name and refused to contact me via email or US Mail. He also used racially-charged language and claimed he could show up at my employer if I didn't give him my credit card number. Also, he said that XXXX XXXX has charged off my account which is false. XXXX XXXX said I can simply begin to pay back the loan as my situation improves. 

The person in question is XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX. He has been calling my underage son at his school. My son 's teacher answered my son 's phone XXXX XXXX XXXX made a threatening remark, hung up, and kept calling throughout the day. 
I am a retired XXXX XXXX and had to return to day work after my wife passed away. I was fired from another assignment simply because I was " overqualified '' and now am working three jobs just to make it by. I have made a video of XXXX XXXX XXXX and attached the video herein. He is a wanted felon out of the state of Illinois and moves from one HUD household to the other. I know where he currently lives, gets liquored up and where we frequent adult entertainment in XXXX, OH. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I use my XXXX  XXXX  credit card solely to benefit from the rewards program. I have pristine credit. I have a strong history of paying off my balances in full as soon as they appear on my statements. I receive paperless statements, which has not been a problem until recently. XXXX XXXX switched to Capital One in XX/XX/XXXX. I made a purchase in XX/XX/XXXX. I thought I had pause this balance in full in XXXX. I never received an email regarding an outstanding balance. I made another purchase in XX/XX/XXXX at XXXX XXXX and was expecting a statement, which I received in late XX/XX/XXXX. When I logged into my account, I saw that there was an unpaid balance and that I had been accruing late fees and interest on that balance for several months despite never receiving any email notification prior to this about a past due balance. I called Capital One and after spending over 45 minutes on the phone with various customer service representatives, they would only remove the most recent late charge and interest. I paid in full the outstanding merchandise total while on the line. A supervisor consulted with their technology team regarding the fact that I was not receiving previous email statements and that they were not in my spam folder either. I was then asked have you gotten a new phone recently? To which I honestly answered yes around the holidays in XXXX. Per the supervisor, due to my yes, there was nothing further they could do for me because the missing emails were as a result of a new phone. But yet I suddenly receive an email statement in XXXX after not doing anything within my phone to enable that?!! I have NEVER heard of such a thing as an excuse. I am fortunate that the over {$100.00} in fees and interest on a ~ {$300.00} purchase is something that I can easily afford but am infuriated to pay. Other consumers are not in the same position and this type of response is beyond unacceptable from Capital One. It is despicable. Consumers BEWARE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need transunion to do what they need to do this is becoming a headache

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 2022-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter. 

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
Someone opened a Montgomery Ward account under my name and wrong address. My ex husband received mail and passed it on to me. I never lived at the address being sued, I also did not open the account. The account # under my name opened falsely is # XXXX Someone purchased a {$450.00} purchase that was shipped to Florida, and Montgomery Ward wants to collect payment from me. I never ordered anything from this company. XXXX XXXX XX/XX/22 I would like this account closed and my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: SC

Complaint narrative:
XXXX XXXX XXXX. Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, XXXX shows XXXX and TransUnion shows 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 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am trying to open an account through Navy Federal not sure if its the site or if Im being blocked none the less I have called several times to inform them that their secured portal is not allowing me to upload documents I would much rather speak to a supervisor from corporate and email or mail my documents in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: VA

Complaint narrative:
On XX/XX/XXXX my debit card was charged {$99.00}. I started a dispute on XXXX XXXX. My card was issued a Provisional credit adj. of {$99.00} on XXXX XXXX. On XX/XX/XXXX there was a reversal debit adj. for {$99.00}. Then a reversal credit was put on my card for {$99.00} on XXXX XXXX. Once again in XXXX XXXX XXXX XX/XX/2021, a reversal debit appeared .It was for {$99.00}. On XX/XX/XXXX a Provisional credit adj. of XXXX. Finally on XXXX XXXX, the last provisional debit was charged. The only {$99.00} charge that even indicates a false merchant name was the very first charge on XX/XX/2021. It says XXXX XXXX XXXX The denial letter was sent to me in XX/XX/2021. It just states that I do have a XXXX account. I told them I had an account, but it is not a paid account. I tried to have it refunded from XXXX, whom reaffirmed, I had not made a purchase ever from them. I made 11 claims with XXXX to no end. XXXX did not take my money, but the Way2Go card says I have to get refunded by XXXX. I want all {$99.00} returned to my account. They should have not even occurred again during the 3 month investigation. The first charge, the supposed 2 reversal debits, and the last provisional debit that was the fourth charge from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NJ

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 in one or more ways. 

XXXX XXXX  AXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX & XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX & XXXX, has violated my rights. 


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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank refuses to properly validate that they were properly assigned both Note and Mortgage from XXXX XXXX XXXX  at the time of consumers dispute on XX/XX/2022. Consumer requests 3rd party audit on the account due to misrepresentation by bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX  XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXXY XXXX Ref XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 2022-05-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ref XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 2022-05-02 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: PA

Complaint narrative:
On XX/XX/2022, I called TransUnion and XXXX to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from 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 explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX  Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on Equifax shows XXXX but the other two show XXXX. The date last active is different on all three. Equifax shows XXXX, XXXX shows XXXX and XXXX shows XXXX.

Company response to consumer: Closed with explanation