vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: PA

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: GA

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 : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
Submitted an XXXX application on XXXX XXXX, student aid sent application to EdFinancial. Called EdFinancial approx. 5 times between XXXX XXXX and XX/XX/XXXX on update, some reps saying no app on file, some saying its processing and need 32 days, another telling me it would be completed XXXX XXXX, it was not. Called again XXXX XXXX, told since the requested tax info from me, it pushed the date back lie, I provided my tax information unasked in hopes it would cut out time. Never received any correspondence from EdFinancial asking for anything, just provided it. But they were quick to switch my loan back into repayment when I asked but can not find my IDR app. Horrible systems, not handling repayment well at all, no communication to client, phone has XXXX minute wait-time, staff unknowledgeable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the victim of identity theft. And the items on my credit report list. in my identity theft report from the Federal Trade Commission do not belong to me. Included with this complaint is a copy of my identity theft report. Along with ID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the victim of identity theft. And the items on my credit report list. in my identity theft report from the Federal Trade Commission do not belong to me. Included with this complaint is a copy of my identity theft report. Along with ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the XXXX Bureaus, Transunion, XXXX, and 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 2023-09-30 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, Experian, and 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 2023-09-30 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
This complaint is regarding the online bank " Chime '' In XXXX 2023, I received an email from Chime saying my debit card was on the way. I didn't pay much attention because I figured it was a scam, since I did not open any account with them. 
However, on XX/XX/XXXX, I did receive a debit card, with all the documents regarding my brand new bank account ( account and routing number ). I immediately contacted their support to let know that someone fraudulently opened an account using my information. I got concerned because opening a bank requires providing your SSN and confirm your identity. Upon contacting support, they informed me that they'll close my account, and as I was inquiring about the account ( transaction history, date if was requested etc, emailed or phone provided in the application, IP address etc ), I was told I'd get an email to follow up there. 
Within minutes, I received said email, and was instructed to provide a copy of an identity theft claim and provide the last XXXX of my social, which I did. 
To this day, I've exchanged a dozen of emails begging for the information I seek, and I'm given the round around by different representatives who keep asking me the same questions over and over again. 
According to the Fair Credit Reporting Act, I'm entitled to a copy of all the information they have on the fraudulent account, which they blatantly fail to do. Therefor they're not compliant and should be investigated. 

Also, to gage the fraud detection systems they have in place, I created an account with bogus information, and passed all the steps until the congratulation message for a newly created account. Meaning they have XXXX fraud prevention measures, which again puts them out of compliance. 

Customers, beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
We have been paying on this loan since roughly XXXX the loan changed hands in roughly XXXX and we now owe more on the loan than what we originally started with and we had been making regular payments up until a few months ago. This is a XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
About 6 days before our vacation, the hotel contacted me via text to tell me the beach access had been closed suddenly due to construction and the nearest access was a mile away. This reservation was nonrefundable but we were told this policy would be waived because of the circumstances. We booked elsewhere and actually paid more for a different hotel with the access. I contacted the hotel several times via XXXX and they said, in writing, that it was refunded. This never happened. I finally disputed the charge through my Chase credit card. I supplied pictures of all conversations promising the refund and the conversation stating the refund had been issued. After the investigation Chase sided with the hotel because they simply sent a copy of the nonrefundable booking policy. I have many conversations in writing stating this would be refunded by XXXX AND the XXXX XXXX but Chase still sided with them and did not consider all of my evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Case number XXXX XXXX XXXX billed on XX/XX/2023 for {$610.00}. 

Disputing {$500.00} since I didn't get receive the retouch service and the service promised on the date of contract or purchase. 

I received a letter saying One Capital has received your response to this request, it lacks all of the previously requested information needed to validate your claim on XX/XX/XXXX. 

Next day, I called them and asked what information they needed for dispute because it was not clear and last dispute I didn't have any problems. 

They told me to submit another statement and highlighted the contract part saying that retouch should be provided. 

Next day, I submitted my statement and the highlighted contract again.

Then, a few days later, I received a letter saying I submitted the dispute too late, after 2 billing cycles. I submitted my dispute before 2 billing cycles ended. So, this statement is incorrect and they took 2 weeks to send me a letter for my response. If one capital responded to my original dispute in XXXX quickly, I dont think we had a timeline problem. 

Therefore, I would like One Capital to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to Comply or delete these items below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted Equifax to find out why my credit score went down XXXX points!!!! On XX/XX/XXXX when nothing would have warranted my credit score dropping this much, considering this did not happen on XXXX or XXXX. My credit score was almost XXXX, and every time my credit almost reaches XXXX, these credit agencies always drop my credit score, for the past XXXX years this has been happening. And I will attach proof. One instance it shows an increase in a creditors balance, and on the equifax actual website, it shows this creditor is actually CLOSED!! In fact, I have a lot of creditors that show non existence accounts that I am having to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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. 
account does not belong to me ; I do not own a XXXX  XXXX XXXX. 
COMAPNY SENSIBLE AUTO LENDING HAS VIOLATED MY RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital one close both my accounts for no reason. When I called they said its from a year old returned payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This complaint is about LVNV Funding. I XXXX XXXX am further requesting documentation to be provided to me as I did not receive any correspondence from LVNV Funding. The documentation I am requesting will be provided below, attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I had a live chat conversation with agent on my PayPal account asking him ( XXXX ) if I make extra payment to my PayPal will it be allocated to the special financial purchases that are coming due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX advised to make the payment in the amount of {$1900.00} and he will have the payments applied to the account according to my request. So made the payments while he was on the live chat with me. The problem is instead of applying the payments per my request ( Synchrony Bank ) PayPal which would have paid off amount due for those months. Instead payments when to XX/XX/XXXX and special finances purchases that would have come due in year XXXX and XXXX. Kindly keep in mind that I had already made the minimum payment of {$220.00} on XX/XX/XXXX towards the XX/XX/XXXX due date. From since XX/XX/XXXX I have contacted Synchrony Bank via telephone, messages online, and live chat to get this done. Now they are charging me accrued interest for XXXX in the amount {$64.00}. I just received a billing statement for {$1600.00} due for XX/XX/XXXX ( special finances purchases ) if I do not pay the full amount I will be held responsible for accrued interest total {$170.00}. for the month of XXXX. I have already paid off these payments. I have tried to get this clear up and all I am getting is run around I fell like I am fighting a phantom.

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 2023-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation