vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems has reported incorrect information that is not attached to me and have tried to dispute the account, but they deny the dispute and have yet to show no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is showing a pending sale on my account which is showing an incorrect available balance. The sale was cancelled on XX/XX/2021, and the available balance should be {$2000.00}. The Ashley store Manager is responsible to notify the Synchrony Bank of the change, another example of poor customer service from Ashley. 

This is negatively impacting my credit. 

Regards. 

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 2023-01-02 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. 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 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 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 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 2023-01-02 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: AZ

Complaint narrative:
Ive been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen

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 2023-01-02 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: GA

Complaint narrative:
Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A  Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that 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.

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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-01-02 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: GA

Complaint narrative:
Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that 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.

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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: GA

Complaint narrative:
THIS COMPLAINT INVOLVES A HOME WHICH WE CURRENTLY VISITED WHICH IS ACTIVELY ONLINE VIA XXXX. WE TOOK IT UPON OURSELVES TO VISIT THE HOME. WE RESEARCHED THIS HOME WITH EXTREME DETAIL. WE CONTACTED A REALTOR LAST WEEK AND WAS TOLD THE HOME COULD NOT BE ENTERED DUE TO BEING PREOCCUPIED. THIS WAS A LIE. AFTER SPEAKING WITH THE NEIGHBORS THE HOME HAS SET FOR OVER 1 YEAR. INDIVIDUALS FROM XXXX XXXX COME INTO THE HOME AND STAY FOR A VERY BRIEF TIME AND LEAVE. IT APPEARS THERE HAS BEEN SO MANY LOANS ON THE HOME PROVIDED BY XXXX XXXX AND OTHER AND THE XXXX XXXX PAID OUT TO THE BANK. IT APPEARS THE HOME WAS PURCHASED APPROXIMATELY XXXX TO 6 TIMES SINCE XXXX WE ARE UNABLE TO REACH THE BANK WHICH OWNS THE HOME. AS STATED THE FOLLOWING BANKS ARE INVOLVED XXXX XXXX AMERICAN PACIFIC MORTGAGE THIS HOME IS BEING SOLD OVER AND OVER AT AN EXTREMELY HIGH PRICE POINT AND INDIVIDUALS ARE APPEARING TO BE SCAMMED OUT OF THE MONEY. 

SADLY, WE ARE INTRESTED IN THE HOME FOR A EXTREMELY LOW AMOUNT. THE HOME HAS BEEN PAID FOR OVER XXXX TIMES!

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 2023-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I was recently switched to a new services and I have been calling for moths and all they tell me is the payment count will be fixed soon in 30 days well its been 6 months and no progress. I asked if they had all my information from last servicer and they said yes but no progress has been made yet XXXX getting frustrated that I XXXX not get my loans forgiven based on their lack of knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Between XXXX and XXXX of XXXX, Midland Credit Management Company ( MCMC ) sued me in court for roughly {$4800.00} dollars ( this is an account that they purchased ). As a result of them suing me, my paycheck was garnished for six months in the amount of {$2000.00}. After six months, I noticed that the MCMC account had not been updated, so I disputed the discrepancy with the credit bureaus. Unfortunately, the account came back verified and still owing the {$4800.00} dollars. I continued to check my credit report and dispute for 10 months and MCMC claimed that I owed the {$4800.00} plus interest. 

In XXXX of XXXX, I contacted MCMC to ask about the {$2000.00} that was garnished from my paycheck. MCMC claimed that they never received the check from my payroll department. 

After contacting my payroll department, an investigation was completed and a copy of the check was sent to me. 

Again, I checked my credit report and there still was no change to the balance. So I looked at the MCMC website and it stated that I owed {$5200.00} dollars. 

I called XXXX, in XX/XX/XXXX, to ask about the check and why it had not been added to my account and again they stated that the check was not received. I told them I had a copy of the check and after further analyzing the copy of the check it was found that the check was cashed on XX/XX/XXXX by MCMC and never added to my account. 

As of today, XX/XX/XXXX, I have looked at my account and reached out to them and they still have not located the funds that they took from me and did not add to my account. 

They have withheld these funds from my account for XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
THIs ACCOUNT NEEDS TO BE REMOVED FROM MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Bread Financial Holdings, Inc.
State: CA

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 a account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a documented victim of identity theft. My mortgage company had a breach of information and all of my personal account information ( SSN, drivers license, personal information ) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in XXXX  ( I live in XXXX  ). They then opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost {$10000.00} to this fraudulent credit JP Chase Credit card -- - for " Intensive Therapy. '' [ A fraudulent business which listed my name and and my home address as the place of business, billed me on invoice # XXXX, for a credit card opened the day before, for XXXX session of therapy totaling close to $ XXXX at my home address. In an of itself, this should have been thrown out ] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the XXXX XXXX XXXX that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I have tried to resolve the issue with Chase -- but they have XXXX customer service. I get a canned response, a XXXX line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. 

I have had this reviewed multiple times and can not get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase 's incompetence, it's failure to protect its customers, and its violation of XXXX XXXX of Rights. I have provided them with information that my identity had been stolen ( through my mortgage lender breach - letter attached ), a copy of a police report ( attached that showed my home address was changed, and I was a victim of identity theft ), and provided all relevant information, as well a fake business receipt which looks like a XXXX XXXX XXXX developed it. Still, I am on the hook for this money and have received XXXX help or support from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2022, I requested Bank of America to perform a wire transfer with the instruction to cover all fees related with the transaction ( code OUR ), so the transfer amount would be delivered in full to the beneficiary. To cover any fees from the recipient bank, Bank of America charged me XXXX XXXX, but this amount was never delivered, and the recipient charged their standard fee for receiving the wire. 

In the electronic document ( attached ) it is observed that fees were instructed to be shared between sender and beneficiary XXXX XXXX XXXX XXXX, contrary to my specific instructions. The XXXX XXXX are identified as " sender 's charges '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is worth mentioning that Bank of America reimbursed the XXXX XXXX " transfer fee '' due to another error in this transaction, but they stated that they can not reimbursed the XXXX XXXX as " it has been charged by the recipient bank '', which is not true.

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 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had notify my bank about not authorizing any more transactions from XXXX XXXX since I had canceled my policy with them, the representative said that was done then a XXXX XXXX later I found a charge from XXXX XXXX for {$750.00} when I tried to dispute the transaction the representative couldn't 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 2023-01-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

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 2023-01-02 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: AZ

Complaint narrative:
I've been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen

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 2023-01-02 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: NJ

Complaint narrative:
i have multiple inquires on my file. i did not request these inquires. 


Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-02 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: AZ

Complaint narrative:
Ive been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen

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