vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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 Account Number : XXXX and 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 seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: VA

Complaint narrative:
CFPB, The FCRA affords individuals a private right of action that can be pursued in federal or state court against CRAs, users of credit reports, and furnishers. In certain circumstances, individuals can obtain attorney 's fees, court costs, and punitive 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 2024-08-09 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: MI

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 Account Number : XXXX and 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: DISCOVER BANK
State: NY

Complaint narrative:
To, whom ever this may concern Im reaching out on behalf of my XXXX credit report. I have XXXX unauthorized accounts reporting on my XXXX credit report. XXXX is new XXXX XXXX XXXX and the other is discover bank. Im a victim of identity theft, in wich I never opened these XXXX accounts. Ive sent discover bank as well as XXXX XXXX XXXX my police reports, my FTC reports also my CFPB report. Ive also sent these reports too XXXX as well. The companies keep saying that the accounts belong too me but the accounts do not and I never even heard of XXXX XXXX XXXX before in my life. Ive never done any sort of business with these companies, at this time I really would like too ask for the removal and deletion of these XXXX accounts from my XXXX credit report. I never did any business with these XXXX companies, I never received any goods from either company. I also never signed any contract for either company Ive made several complaints with the CFPB. Im really suffering from this fraudulent behavior from someone who gained access too my wallet when it was lost. I really want this escalated too the highest degree, i really need someone too take care of this today please XXXX 2024!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NY

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Venmo credit card issued by Synchrony Bank was closed on XX/XX/year>2024 overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a XXXX XXXX XXXX XXXX told me the bank forfeited my {$290.00} cash back and that makes perfect sense.

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 2024-08-09 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: MI

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 Account Number : XXXX and 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 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 2024-08-09 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:
ATTN : Equifax I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX Banks Account number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX/ XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau. 
Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction. 
Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: CA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 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 2024-08-09 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: NH

Complaint narrative:
I DISAGREE with the accounts listed below which STILL appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : Upstart Account number : XXXX Account name : XXXX Fed XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year> I applied for a XXXX XXXX XXXX credit card that had a rewards program where, if I spend {$5000.00} within first XXXX months, I will receive XXXX Avios points with XXXX XXXX After spending more than {$5000.00} within the first XXXX months, and the statements showing that I received the points, my account with XXXX XXXX showed XXXX points. Calling both, XXXX and XXXX, I understood that XXXX created an account in my name ( without informing me ), while I created XXXX myself, so now I have XXXX separate accounts, XXXX didn't know which account is my account to credit, but neither company contacted me to let me know. After almost XXXX calls with both companies, XXXX confirmed that they merged both accounts and to call XXXX to let them know which account to transfer the points. XXXX also said, that once XXXX releases their latest statement, I should be good and receive the points. That never happened still, so, again I am contacting both companies. It is so unbelievable frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
ATTN : Experian I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681 b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau.

Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction.

Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, 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 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I bought online a copy of XXXX XXXX software and when I loaded it into my home computer, it was stuck and after that a representative of a company named XXXX. contacted me, introduced as a service company for XXXX software and offered to load a version of XXXX software which would valid in XXXX years and he would charge me {$290.00} including XXXX software update. At the end, I paid him {$290.00} via PayPal which would pull money out from my XXXX personal checking account. On the same day of XX/XX/year>, a debit of {$290.00} has been pulled out from my XXXX account. 
I had a trouble shortly after that with the software so I called XXXX Customer Service and I was surprised that a XXXX representative informed me that XXXX. is not an official representative of XXXX and perhaps a scammer. I called my XXXX bank to inform and ask for help, at the same time I sent a dispute to XXXX. about the suspected service. On XX/XX/year> XXXX. company agreed to refund me and sent {$290.00} back to PayPal and it appeared on my XXXX account on XX/XX/year>. Also, on the same day of XX/XX/year>, I received a momentary loan {$290.00} from XXXX bank ( XXXX same amounts noted on different ways ). On XX/XX/year>, XXXX bank pulled back {$290.00} which they let me borrowed. 
The problem is that on XX/XX/year>, PayPal asked me to load an amount of {$290.00} as a top-up money and on XX/XX/year>, I innocently loaded {$290.00} ( believing that I still have {$5.00} reward money in my account to be {$290.00} exactly ). 
PayPal later claimed that they have returned the amount {$290.00} TWICE into my Chase account and USED THIS AS A REASON TO NULLIFY MY ACCOUNT AN AMOUNT OF {$290.00} ( {$290.00} from my Debit Card and {$5.00} I had as a reward ). I checked with my XXXX bank transactions and found out they returned only ONCE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I had XXXX {$200.00} charges to my debit card from multiple XXXX locations. My bank app says these charges were made in person, and Chase stated that they looked like legitimate charges because none of my account info changed. Chase told me an XXXX XXXX account was added to my bank account, even though i havent owned an XXXX  in many years. I recently received a letter from XXXX stating that they had a data breach and some of my personal info, including card info, had been accessed by an unauthorized person. So clearly someone used my card info to make these charges, I believe they opened an XXXX  XXXX  account in my name and used my card info to make these charges. 

The charges were all made in XXXX day, from stores in Missouri, Pennsylvania, Virginia, and Ohio. I live in XXXX Illinois and dont own a car, so there was no way for me to go to all of these stores in XXXX day. 

The store locations are : # XXXX, XXXX, MO. {$200.00} # XXXX XXXX, PA. {$200.00} # XXXX XXXX XXXX, OH. {$200.00} # # XXXX XXXX, PA {$200.00} # XXXX XXXX XXXX, PA {$200.00} # XXXX XXXX, PA {$200.00} # XXXX XXXX, VA {$200.00} I called XXXX on XX/XX/XXXX to file a complaint of fraud charges and have not heard from them since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My XXXX credit card issued by Synchrony Bank was closed on XX/XX/year> overnight for no reason. When I called customer service XXXX at XXXX on XX/XX/XXXX, a manger XXXX from the XXXX  told me the bank forfeited my {$290.00} cash back and that makes perfect sense.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Have been calling Ally Bank to get an emergency extension due, to my vehicles engine was damaged. Car has been in the shop for more than a month due to engine failure although vehicle is now fixed and got the vehicle back a week ago, had to miss time from work due to this issue and this caused me a financial burden with my other bills that I almost was facing homelessness. Ive asked for an extension back in XXXX and was denied for my XXXX, XXXX, and XXXX fee that was due. Im unable to catch up until XXXX and have called Ally and explained this situation and theyre still denying me for an extension. Its not like I dont want to pay my bill, this situation has caused me a hardship in my life and theyre not understanding or helping in any way. This was not my fault that this happened to my vehicle and they should be more understanding of my situation and approve my request for an extension. I am wanting to speak with someone with power that can resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 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: Possible Financial Inc
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation