vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I woke up and got a notification that my debit card what not able to use for XXXX XXXX due it being suspended. So I called chase bank customer service and was told that my account had a restriction on it and I needed to be transferred to the fraud center. I got transferred and wasnt not given any explanation on why it was being closed because and that when I opened the account I signed and discloser that the bank didnt have to provide me with any information if the bank chooses to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XXXX XXXX, a credit card was opened fraudulently in my name with Synchrony Bank. The credit limit issued is {$6500.00}. The balance updated XX/XX/2023 is {$1000.00}. The contact info is XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act SYNCB/LOWES XXXXXXXX has violated my rights. 

15USC 1681 section602 States I have the right to privacy.

15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-05-31 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : XXXX  XXXX, XXXX XXXX  : XXXX  XXXX, XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX  XXXX  credit reporting. I have evidence to prove my case

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 2023-05-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX  XXXX XXXX ( XX/XX/2022 ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my recent credit report, I noticed an inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

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 2023-05-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed a few items that are on my credit report back in XXXXXXXX XXXX XXXX with the CRA ( Experian ). I was NOT notified by mail within 5 business days as it Pertains to 15 USC 1681 ( i ) 2 ( a ) .I believe the CRA did not properly assess a complete investigation. 

As it pertains to 15 USC 1681i ( a ) ( 1 ). ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

" FREE OF CHARGE ''. Well I disputed items and the CRAs have decreased my overall credit score. That would be considered " charge ''. I have the right dispute any item ( s ) I deem to be " inaccurate, incomplete or wrong '' FREE OF CHARGE ; that includes penalties for for exercising my rights. 

I am being violated!

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2023 I deposited a check into Navy Federal Credit Union Mobile deposit requesting Lawful money for any and all past, present and future funds deposited into or transferred out of any accounts held in my name be redeemed in lawful money per 12 USC 411, 95a ( 2 ) for a special deposit. I tried to sign into my account and it was restricted and instructed me to call the branch and when I did that resulted in them closing my account without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: William D. Meeker Enterprises, Inc.
State: OH

Complaint narrative:
Upon reviewing my recent credit report, I noticed an inquiry from CIC CREDIT, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: DISCOVER BANK
State: AL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  XXXX  account number ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In Accordance with the Fair act XXXX  XXXX Account # 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.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.

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 2023-05-31 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: TX

Complaint narrative:
In Accordance with the Fair act XXXX  XXXX Account # 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.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.

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 2023-05-31 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX You are in Direct Violation of The Fair Credit Reporting Act Discover it Credit Card # XXXX, has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearty states that I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions U.S.C 16608 : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 

Ramove these late payment and update this account immediately as you are in died violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account with Bank Of America with a promise that my account would be free, as a student. After furnishing the required information, the bank charged me a maintenance fee. 

I mentioned the fee to a teller who was unwilling to help. I then asked to withdraw my funds and the teller refused.

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 2023-05-31 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: TN

Complaint narrative:
I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX/XXXX  on XX/XX/XXXX, XXXX  XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/2023 I scheduled a payment with Wells Fargo to go through on XXXX/XXXX/3023. I received a conformation number of XXXX for that payment. On XX/XX/2023 I discovered the payment never went through and was being charged late fees and interest on it. I contacted Wells Fargo on XX/XX/2023 and informed them about it and they said they would look into it. They told me it would take XXXX to XXXX business days and would continue to gain interest during that time unless I paid in full plus the fees. I told them I had the confirmation for the payment from them and they still said I had to pay the fees. I confirmed with my XXXX XXXX  that Wells Fargo never attempted to withdraw the {$840.00} payment from my account. My XXXX XXXX  also stated that the full funds were available and they would have no reason not to make the payment if Wells Fargo attempted. I had to pay the full amount plus fees and interest to avoid more interest during there review. They stated that I may receive a refund if they decide it was on them and not my fault.

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 2023-05-31 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # 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

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 2023-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; EQUIFAX MORTGAGE SER inquired on XX/XX/XXXX ; XXXX  XXXX  inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XXXX left in the FEDERALTRUTH-IN-LENDING Disclosure and they interfered with registration of vehicle tag.

Company response to consumer: Closed with explanation