vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: Dynamic Recovery Solutions, LLC
State: AL

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX XXXX  XXXX, XXXX, and XXXX  XXXX  are accounts opened by someone who stole my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX XXXX CHASE Bank branch , I deposited {$2500.00} in cash at the ATM. However, the deposit was not completed at that time, and a receipt came out of the ATM, but it did not show the deposit amount. 

On XX/XX/XXXX, I followed the instructions on the receipt and contacted the bank staff to explain the situation. On XX/XX/XXXX, my account showed ( Reversal : Missing Credit ClaimId : XXXX | See details of this deposit ATM deposit {$2500.00} ) But on XX/XX/XXXX, another {$2500.00} was debited from my account. On XX/XX/XXXX, I called the bank customer service again and they told me that they made a mistake. They thought I had deposited a check of {$2500.00} instead of cash., so further investigation is required. 

On XX/XX/XXXX, chase returned the XXXX credit in my account again. 

On XX/XX/XXXX, the {$2500.00} credit in my checking account was debited again. 

I contacted the bank customer service and they told me that I couldn't find the money and needed to call the monitoring department to check the XXXX. I then called the chase bank monitoring department, they said that they need a police report before they can check XXXX. 

So I went to XXXX Police Station XXXX and the police told me I needed to dial XXXX at the bank branch and the radio-dispatched the police to the scene. In the middle of XXXX ( should be the week of XX/XX/XXXX to XX/XX/XXXX ), I went to the bank branch. The bank staff said that they did not want me to call the police, and made an appointment for me. They called chase customer service to help me with this. On XX/XX/XXXX at 12 noon and the bank staff helped me contact the chase bank branch and she ended up copying my receipt, social security number, my ID. And she told me that she would report this to Chase, and they would conduct another investigation. The results will be available in about 10 days. 

On XX/XX/XXXX, the day before my birthday, I saw an update in my account activity ( XX/XX/XXXX, XXXX DUE TO ATM DEP ERR CORR XXXX Account transfer {$1900.00} ) My understanding is that they did investigate this case, and they did find some money, but it wasn't the correct amount which is {$2500.00} that I deposited at the time, but the {$1900.00} I didn't know how they find out. 

Later, I received a call from XXXX XXXX, TX a few days ago, XXXX. A staff told me that because my checking account is currently owed {$200.00}, I need to deposit at least {$200.00}, otherwise they will close my account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX by capital one is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the capital one accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed Capital One acconts as open. XXXX XXXX  will not delete duplicate accounts of Capital One XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and XXXX. XXXX XXXX only reports on my Capital One accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on capital one closed accounts as open and curtails the score very low. Credit Score points never reaching ove 4 points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have spoken with Transunion on many different occasion about this account I've sent every document i feel ; like will prove my innocence in every investigation they did steel no help as a consumer I have right under the FCRA which at this point I know for sure this company is not following not one Law on XX/XX/2022 I spoke to a rep in the fraud department XXXX XXXX XXXX who told me out of her on mouth that when they do there investigation they do not ask or recieve any proof of documentation just word of mouth so how is it right for this company to say I owe them anything without any proof no signature ID anything in all my letters I've ask for them to send me some type of proof when they make they decision with there investigation im rush off the phone ignored one rep even hang the phone up in my face this is no way to treat someone who is just trying to prove there innocence I hope this third letter to this CFPB Will get the attention of Transunion and make them do the right thing

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity thief and I explained to TransUnion that there was a problem with my credit report reflecting proper updates. I told them that I wanted to monitor my report closely, so that I would not experience any further fraud. So I added a fraud alert to my credit report and it still does not reflect. Either it was never done or as I previously complained about, my credit report is not reflecting proper updates.

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 2022-02-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted Equifax, XXXX XXXX, and XXXX several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, I applied for Capital One XXXX XXXX and was approved for a credit limit line of {$500.00}. On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I was denied an extension of credit by Capital One Bank. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data System l reported a collection account to my credit report without my written consent. Medical Data System used my personal information and damaged my privacy without my authorization. My identity was stolen and Medical Data System l has committed fraud, which is a federal violation.

It is against federal law to furnish any medical information. It is a HIPPA violation and any medical reporting should be excluded.

15 US CODE 1681a ( d ) ( 3 ) ( A )

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. Credit wise will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX XXXX acconts as open. XXXX XXXX will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to Transunion, XXXX and XXXX. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. XXXX XXXX points never reaching ove XXXX  points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX  XXXX acconts as open. XXXX XXXX  will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and Equifax. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. Credit Score points never reaching ove XXXX points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
Prosper Notified me in XX/XX/2021 via email that instead of charging me {$450.00}, which has been my monthly installment amount that they were going to, per contract, charge the remaining XXXX dollars in XX/XX/2021. 

I was I'll prepared for this, I called and emailed proof attached asking that they not do this. 

I run a business we are cash flow tight. 

They refused to heed my warning and on XX/XX/XXXX charged {$1000.00}. To exacerbate my fragile situation, 10 days later they took the other {$1000.00}. This cause Nsf and I lost my employees trust because his payroll paycheck bounced back nsf. 

I'd this fair? 

When I asked them to refund the {$1000.00} they said no I must dispute with XXXX. 

Fortunately, my bank reversed the charge. 

My employee employer relationship has been dramatically worsened by this failure to pay. 

I never missed one payment look at my track record To further cause insult, they reported to all 3 credit bureaus that I was a 30+ late payer After all I had to borrow to pay my employee while the bank worked on reversing the transaction and our trust built relationship is ruined. 

Please reprimand this organization fir preying on weakened businesses that have barely been able to catch our breathe post mid pandemic. 

I want them to fix the late pay. I paid them their {$1100.00} including late fee added XX/XX/XXXX. Should they have been able to change the contract repayment terms mid contract and report me as a bad payor as a result of their failure to refund me the $ $ the took two times in one month? 

Should I suffer? Is this morally, ethically, or humanely decent?

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 2022-02-02 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I disputed an amount of {$2400.00} to PayPal Credit on XXXX XX/XX/2022. Two days later I followed up through their live chat system, and they said that my dispute was resolved in my favor and I needed to do nothing further. 3 weeks later, the dispute was reversed and I am now obligated for the charges again. This is not fair to me as I was already told I was relieved from the charge, so I have made other purchases and financial obligations based on this information.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.

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 2022-02-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-02 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: TN

Complaint narrative:
Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted XXXX, XXXX XXXX, and Transunion several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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 2022-02-02 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: GA

Complaint narrative:
There are many accounts on my credit file that either are not mine or placed there in error by the credit report agencies. I am not associated with the accounts and after a few attempts to correct this error I am now taking my complaint to the next level. There is a list of US DEPT ED, XXXX XXXX, XXXX XXXX XXXX XXXX amongst other accounts listed that I clearly stated are not mine. I have not once received any proof that I have the credit reporting agencies permission to furnish such information on my file per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I should not have to fight to get anything corrected or removed when the only validation of any account or accuracy comes directly from me per law.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.

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