vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX XXXX  Account Number : 1948 Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in XXXX 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that XXXX made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to XXXX re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to XXXX  via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: VA

Complaint narrative:
I have tried XXXX different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
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 non-monetary relief
Consumer complaint received 2022-06-21 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: Weimark
State: PA

Complaint narrative:
I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

WEIMARK Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have notified Equifax about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b 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 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 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Equifax reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY. There is no proof that I initiated these hard inquiries. If there is proof, Equifax should provide the proof to me. Equifax has never provided any proof because there is no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Good morning, On XX/XX/XXXX there were charges on my mobile USAA XXXX XXXX XXXX. I Called USAA 's customer service and told them these are not my charges and I have my credit card in my hand. on XXXX I was called by a USAA rep and was told the charges will stay on my account and interest charges as well and the charges were not found fraudulent as my credit card was in my possession. I did not make these charges I told them but she stated the investigation was complete and wished me a well. 
XXXX  {$230.00} XXXX {$100.00} XXXX XXXX {$4.00} XXXX XXXX  {$270.00} XXXX XXXX {$42.00} Any help will be greatly appreciated. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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 — Was not notified of investigation status or results
Company: World Acceptance Corporation
State: AL

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : WORLD FINANCE XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed up for a Care Credit account via Synchrony Bank in order to utilize it for medical expenses, mainly for the eye doctor. I was initially on autopay, but began manually making payments after a while. I was consistent for quite some time and realized that my balances were barely moving after 6 months. I started noticing outrageous interest rates and ridiculous miscellaneous charges. Still, I continued making my payments. Three weeks ago, after making a payment, I misplaced my debit card used for the account. This caused a chargeback. I called customer service and was told about the chargeback, causing me to promptly update my card information. Due to an issue with my zip code, the payment was charged back a second time and a late fee was added. I then made an ACH payment to ensure that there would be no more issue with my payment and it went through. My account was once again in good standing. This morning, XXXX emailed me about a closed account. Lo and behold, it was CareCredit. I contacted them through their live chat only to be told that their company cancels accounts that receive two chargebacks within a 24 month period. When the representative asked if she could help me any other way, I explained that this policy was never communicated during the process and should have be reiterated when I first spoke with customer service after the first chargeback. She in turn says have a nice day and ends communication with me. Worst experience Ive EVER had with a creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX I was scammed by a fraudulent person posting as an XXXX representative. He claimed he will upgrade my membership and give me a refund back. Convinced me to go online, give me instructions over the phone and scammed me to send {$10000.00} by wire transfer to his account. XXXX XXXX. I personally went to the bank and reported the scam. I spoke to multiple bank employees in almost 2 weeks following the incident. I was told, the bank have tried to recall the wire but to no success. One of the bank representative had personally told me the bank does not care. One of the Chase Bank employee, tried to help and made a few phone calls but nothing happened. Chase Bank, never cared. They did not even have a case filed made up about this incident. I went to report this scam to my local Police department, Detective XXXX was very nice and knowledgeable. He had been following up my case. And lately had apprehended the scammer but he is not from my city. Thereby advised me to file this complaint against The Chase Bank ( JP MORGAN CHASE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I do not have association, credit, or loans with this creditor. This was not approved and or authorized. 

XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX Inquired on : XX/XX/XXXX Comment : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I was in a car reck in XX/XX/XXXX My car was totaled out and pulled to a wrecker. When I went to get my car. It was gone. They sold my car with out my knowledge and I had gap and liability insurance on my car. insurance. I spoke with the agent and she was a smartty and rude and could not give me the information I ask for and that was documentation that they claimed to have sent me. Now seems every other month they update to my credit report that I voluntary gave them my car and I did not give them my car. I tried to get my car and they pulled it from the wrecker office. 
Then I find out that they have been sued for fraudulent activities. 

CREDIT ACCEPTANCE CORP has flagged your account as Voluntary Surrender on XX/XX/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 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are two items ( XXXX XXXX, XXXX XXXX ) reporting on my credit report that are not my accounts. It appears that both accounts were open in 2019. I have made several attempts to contact the credit bureaus via mail to address this situation. Each time I receive an updated copy of my report with the same 2 items still reporting. I have not receive any results of the investigation that can actually tie me to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
i requested validation from Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX of XXXX via certified mail, They did not responded to my request. Eastern accounts is in violation of Fair credit Reporting Act 623-b and violation of the Fair debt collection Practices Act Section 807-80. They have Negligent Enablement of identity Fraud as well as Defamation. As of XX/XX/XXXX this debt continues to be reported negatively on my consumer credit report. I will also be filing a Small claims court case for damages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MECHANICS BANK
State: CA

Complaint narrative:
I filed a merchant dispute complaint on XX/XX/2022, Dispute ID : XXXX, at Mechanics Bank for 2 POS ( Point Of Sale ) transactions charges XXXX. The merchandise was defective and the company did not want to honor the warranty. I also submitted another complaint merchant dispute for ACH transactions charges XXXX, Dispute ID : XXXX. I received a letter from Mechanics Bank for both disputed transactions and they made the decision that they could not help me with my claim and closed the investigations. I would like for you guys to investigate if the bank made the correct decision under the law. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
My Homeowners Association placed me collections for {$930.00}, for the year XXXX and XXXX. The collection agency Dunlap and Gardiner sent me a demand letter dated XX/XX/XXXX. The letter details {$33.00} interest, {$900.00} HOA Fees, and {$100.00} attorney fees. On XX/XX/XXXX, I paid the HOA {$930.00}. The money ordered was delivered to the HOA office via XXXX, and signed for. I forwarded a copy of money order and receipt to the collection agency via XXXX XXXX Mail. On XX/XX/XXXX, rep XXXX XXXX at the collection agency advised me the balance of {$1000.00} is outstanding. She advised that the account shows outstanding. I requested an updated letter reflecting that payment has gone up {$100.00} since the last letter I received on XX/XX/XXXX. The agency is refusing to send me an updated letter and referred me to go on HOA website. I stated I would give them a call and XXXX XXXX stated they may refuse to speak with me. The agency is legally obligated to provide me with a demand letter showing the amount I owe via US Postal mail and is refusing to do so. I paid the initial demand letter. If the amount has changed a new detailed demand letter needs to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  reporting inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/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 an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is discriminating against me because I am a XXXXXXXX XXXX  XXXX  and not updating my " Payment Status '' on each Credit Report to show the XXXX  Account ending in XXXX was " Paid In Full '' as of XX/XX/2022, after I made the payment to XXXX, XXXX, XXXX XXXX who stated they, in turn, reported it to XXXX XXXX regarding the -XXXX  Account ending in XXXX. 

They are now making the consumer suffer with incorrect and inaccurate information showing on my Credit Reports. The Account was " Paid in Full '' for {$3100.00} which is reflecting on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX XXXX It shows that this account was opened in 2014. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation