vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Last 4 digits of SSN : XXXX To Whom It May Concern, I am reaching out to address a matter of utmost concern related to my recent credit report. Upon a thorough review, I discovered unauthorized credit inquiries made by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to explicitly state that I did not grant permission to any individuals or representatives from these organizations to access my credit report. This situation raises serious concerns as it represents a clear violation of the Fair Credit Reporting Act, particularly under Section 1681b ( c ), and is a significant infringement on my privacy rights.

I kindly request that you initiate a thorough investigation into these inquiries. I expect you to contact these companies and obtain any documentation related to these inquiries that bears my signature or authorization. In the absence of such conclusive documentation proving my consent, I formally request the immediate removal of these fraudulent inquiries from the credit file associated with my social security number.

Please be reminded of your legal obligation to complete this investigation within 30 days, as stipulated by the Fair Credit Reporting Act, Section 611.

You can reach me using the following contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I anticipate a swift resolution and a timely response. 

Sincerely, 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 2023-11-27 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: KY

Complaint narrative:
Experian intentionally removed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They did this with the intention to hurt me when applying for credit and credit increase I sent in an written statement stating not to remove my accurate address they did this to delay and to fully stop the dispute in process Someone that worked there used my mailing address and added apartments number in between the main mailing address I filed the dispute on certain addresses not this correct address as listed This company is a disgrace to the consumer and I have not been able to utilize my own credit when needed

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 2023-11-27 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( Ally financial, 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 2023-11-27 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: SUNCOAST CREDIT UNION
State: NJ

Complaint narrative:
My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX, Suncoast credit, XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of the XXXX data breach please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident.

Best regards

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 2023-11-27 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:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
to whom this may concern, on the date of XX/XX/ i opened a new credit card with Syncrony ( Syncrony car car ) they are to report to all CRA 's on on the date of XXXX each month, However did not report this information of the status of my account on for month XX/XX/. 

I contacted the office on XX/XX/ the rep stated she would have this resolved however reported the account of the status on what it was on that date of XX/XX/ at XXXX balance. 

After noticing what happened on the decreased points on my credit file i contacted the reps at Syncrony bank back and advised the following the account was opened on XX/XX/, the reporting of XXXX XXXX never reflecting the balance at the time of {$5.00}. The amount of was paid in between the time i called on XX/XX/. I have advised several time they need to report the corrected amount for the month of XXXX however they are refusing to do so. 

This is violation of the fair credit act, due to this error my credit has taken a down fall of XXXX points. I have spoke with several reps and nothing has been done about this. 

due the recent hit on my credit i also was denied a new credit card with syncrony in hopes to do XXXX shopping with Ashley furniture, I have no idea until the sales rep pointed out why. 

the expectation is that my credit needs to be corrected with the correct information showing activity on XXXX and also 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 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
i when to ford house in XXXX XXXX tx, was approve for the loan on an XXXX, then my salesperson said he do a bait and switch to a XXXX, i saw the XXXX  after signing all papers and informed i didnt like it also XXXX XXXX XXXX  said bad transmission on them. I did not tk delivery of vehicle and mail all papers bk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.

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 2023-11-27 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: NC

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
I checked my credit report to find out I have a collection account of almost 500 dollars WHICH Ive never received or applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
I told these people to stop emailing me leave me alone I dont owe anything the school screwed up. I just got text messages from them. I dont understand when I tell them not to communicate they continued to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-11-28 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Update my personal information as soon as possible!

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed my personal statement and Experian wont remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a customer of Bank of America and its predecessor banks for over XXXX  years. I opened a business account over the weekend. I made my initial deposit of {$1000.00} over the weekend. They informed me that my funds will not be available until XXXX  XX/XX/23. 

This is a violation of Reg CC. I have attached a copy of the check. As you can see it is a pre-printed check drawn on XXXX XXXX  out of New York. There is no reason I should have an extended hold time in violation of Reg CC as I am an existing customer ( They verified my personal information at the time of account opening so they know this ).

According to Reg CC, the first {$100.00} of this deposit should be available to me XXXX  morning. The remainder of the funds should be made available Wednesday morning. I base this on your Board of Governor 's web site [ XXXX XXXX XXXX XXXX Section XXXX " Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the XXXX XXXX XXXX business day following deposit, respectively. '' Therefore, a New York check is considered local to XXXX  Massachusetts and should be available XXXX.

Further, Section 229.13 Exceptions, lists the only reasons a bank could make an exception to this policy. Non of those exceptions applies to me- especially as I am a customer of 33 years.

Further, Section 229.10 ( c ) ( 1 ) ( vii ) clearly makes the first {$100.00} available the next business day so I want {$100.00} of this deposit available XXXX  XXXX  ( XX/XX/23 ). 

" the depositary bank must provide next-day avail ability for withdrawal of the lesser of {$100.00} or the aggregate amount deposited to all accounts, including individual and joint accounts, held by the same customer on any one banking day. '' I want you to force them to make my {$100.00} of my funds available XXXX  XXXX  ( XX/XX/23 ) and the remaining funds funds fully available on XXXX XXXX XXXX XXXXXX/XX/23 ) and fine them for not doing so.

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 2023-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: TX

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My dispute is with Delta Skymiles American Express.A vaction club in XXXX called me and asked me to sign up for a vacation club. I told them I needed to talk it over with my wife who wasn't home. They said no problem I could sign up and provide my credit card info but nothing would go through if I didn't send back the authorization form and a copy of my ID. After my wife got home we decided not to do it so I didn't sign anything and I didn't provide my drivers license. We got a call from AMEX a little later that night because of possible fraudulent activity. It was the company trying to put the charge through. I told AMEX that I did not authorize the charge and to not let it go through. I was told by AMEX not to worry that they would not let it go through. On my next statement the charge was there. When I called and questioned AMEX they said the company tried XXXX separate times and that they ( AMEX ) let it go through the XXXX time. The company then supplied forged documents to say that I had approved the purchase. AMEX has accepted the documents as proof that I authorized the transaction. They are also saying that they have not reviewed the recording where I was told the charge wouldn't go through because they say that doesn't matter. AMEX now says nothing further can be done - 9 months of waiting! I have included some documents to support my story as well as the forged documents the company used to support their story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX from US Auto Sales. I had full coverage with XXXX and the gap coverage from US Auto Sales. I ended up totalling my car around the end of XXXX this year. XXXX covered their part and gave them their check. When it was time for the gap to cover the rest, that's when I found out they just got bought out by Westlake Portfolio! Who, while still in transition, is missing a lot of paperwork and doesn't know ANYTHING about my gap coverage with US Auto! Luckily, I happened to have a copy of my gap in my new truck. So I proved to them that I had it, and they told me that I'm all paid up and my balance was XXXX. That was around XXXX or XXXX. And now, on Saturday, XX/XX/XXXX, they send me an email telling me that I still owe {$2700.00}! And it's going to go up everyday XXXX until I pay it! They told me to check with XXXX XXXX, who is in charge of my gap coverage. They told me that I was correct, and that the rest of it should be covered by the XXXX. So I gave them a call. And they told me that they don't mind paying it, but they don't see anywhere that they had to. And all I need to do is show them in the contract and they will. XXXX XXXX say that they don't have the contract, and I should call Westlake, because they are supposed to have it. I call Westlake, and guess what...??? They don't have it, either! And had the nerve to tell me that they are going to email US Auto Sales and try to get the information. ( How are you going to email a company that you've taken over and no longer exists )! So now, I'm stuck in this situation and I have absolutely NO IDEA what to do! Please help me ... if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime sent communication about an open account I did NOT initiate. Started getting emails saying money was sent to random email addresses/people. NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 90 Day Credit Experts
State: PA

Complaint narrative:
Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name XXXX XXXX on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now XXXX XXXX team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking XXXX to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a tax refund for XXXX dollars on XX/XX/XXXX using the chase app. On XX/XX/XXXX my account was completely restricted and I can not get access to my funds. I am currently out of town and dont have money for gas to get back home. My account was restricted because they need more information on my irs check which is at home and not in my possession. They offered no recourse to allow me to have access to my funds ( which have nothing to do with the pending check amount, they were in my account previously ) and were rude and cold. This is my second horrible experience with chase bank. I feel abused and like they have control over my hard earned money. Please help.

Company response to consumer: Closed with explanation