vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2023, while reviewing our information our account at XXXX XXXX XXXX  ( XXXX ), account # XXXX, my wife discovered that {$50000.00} was transferred to Synchrony Bank on XX/XX/XXXX without our authorization. We immediately filed a fraud complaint. We then called Synchrony Bank ( Synchrony ) and discovered that an account had been fraudulently set up in my name, account # XXXX, and the money from XXXX were to fund the account. We immediately claimed that fraud was committed, and they agreed and froze the account preventing any unauthorized withdrawals. 
Both XXXX and Synchrony performed their ( Reg E ) due diligence and realized that I was a victim. Without my knowledge XXXX filed for a reclamation but was rejected by Synchrony due to their freezing the account and preventing any withdrawals. 
While this was going on, both banks had been telling me that the reclamation was in process and that it should be resolved within days. Each time I called for a status update each bank would tell me something different and that it would take longer to resolve. 
To prevent a long-winded story, on XX/XX/XXXX, I instituted a three way telephone call between myself and both banks. After ninety minutes it was finally (? ) resolved as to what each bank had to do to have the funds returned. However, Synchrony advised me that even though the process has been sped up, they will still take their time in returning the funds to XXXX, with a resolution time of nearly three ( 3 ) months. 
I have filed a complaint with the executive offices at XXXX but was unable to find any means of communication with Synchrony executive offices, hence this complaint.

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 2023-07-30 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I didn't make the transaction on the card. Going through identity theft. So you close my account and left me with the bill, which is effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 my capital one secured card was closed. it is now XX/XX/2023 and I am still waiting for my secured deposit refund. I paid capital one off instantly as soon as they closed my account I expect my funds to be sent to me in a timely manner. 90 days is not a timely manner and I need the funds to cover other credit card balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Account number : XXXX I am not liable for this debt with MAS Financial Services, I do not have a contract with MAS Financial Services, they did not provide me with the original contract as i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
The company 's name is affirm it's a credit card company on internet I payed the bill off was XXXX cents when I called to close it I was told to call back in XXXX days that I had to wait XXXX days to close account. I don't owe anything so I think I should be able to close it as soon as I call them.thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Citizens Bank subjectively decided to place a XXXX day hold on my business checking account ( Account # : XXXX ) for my business : XXXX XXXX even after the check being cleared and cashing the check and won't release my funds until XX/XX/23. Please assist me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: 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. Accounts : XXXX XXXX XXXX  Number : XXXX Accounts : XXXX  Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.

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 2023-07-30 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Date- XXXX Amount- {$1000.00} / XXXX One- Date - XXXX Amount - {$400.00} / XXXX XXXX- Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX- Date - XXXX XXXX XXXX XXXX {$1200.00} / XXXX XXXX XXXX  Date - XXXX / Amount XXXX {$720.00}

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 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2021 I added an authorized user to my account. In XX/XX/2021, I removed the authorized user. I asked Captial One to stop using the closed Capital One credit card to report positive on the former authorized user. Now, I am getting credit card offers in the authorized user 's name because of my credit card. I asked that they stop reporting my credit card usage to the former authorized user. They have not. Now I am concerned with privacy issues because my positive credit is still being reported to the former authorized user credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: CT

Complaint narrative:
Universal Account Servicing , LLC has stated that i owe them an alleged debt but I have never applied for any loan with them or signed a contract with them for a loan. I have written to Universal Account Servicing , LLC asking them to provide documentation showing that I have a contract with them for a alleged debt, which they have not provided me, and for them cease and desist but they continue to ignore me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: IL

Complaint narrative:
XXXX / XXXX / XXXX/ - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX Amount - {$400.00} / XXXX XXXX XXXX - Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX - Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date - XXXX / Amount {$720.00}. Illegal unauthorized credit reporting of owners/ consumer alleged debt ( s ), hard inquiries.

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 2023-07-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The Chase Credit Card Company is running a scam! They overcharged me {$820.00} this month, and when I went to check my charges ( like I do every couple weeks ), I caught this. Last Monday I submitted a request to get this refunded back into my bank account, and they said I have to accept an email that will arrive in 48-72 hours... I set an alarm on my phone to check everyday, and after almost a week of not seeing anything, I checked one last time today, and sure enough they sent it at XXXX last night, with an expiration to accept the money by midnight TONIGHT or I wouldn't be refunded!!! This is an unacceptable solution to a mistake THEY made. If I didn't check my email between XXXX ( like they were probably hoping I would forget ), I wouldn't get my money back! I also spoke to a customer service representative today before checking my email one last time, and he said to just keep checking this week ( knowing that there's an expiration/time-limit to receiving this email )! This is WRONG. How many other people are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: GA

Complaint narrative:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those 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 explanation
Consumer complaint received 2023-07-30 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: 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. 

Account XXXX # XXXX 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 2023-07-30 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/XXXX, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2023, two transactions were fully processed through my Chase bank checking account. One of the transactions was for {$35.00}, and one was for {$110.00}. On XX/XX/2023, I deposited {$220.00}, covering both transactions and leaving a positive balance in my bank account. I followed my agreement in depositing to the account within 24 hours, and I was still fraudulently charged two fees by Chase Bank. I opened a case with the executive office, and they refused to refund me. I have transaction details as proof of my deposit and dates. The dates on the executive letter from Chase Bank denying my claims contradict the dates on my transaction detail page. Chase Bank is committing a blatant unethical act of fraud by a large bank ruthlessly charging illegal fees to consumers like myself. I closed my account immediately because I do not support unethical banks, and I was a victim of Chase Bank 's illegal practices. I would not be surprised if these practices result in the many class action lawsuits Chase Bank has already had over illegal fraudulent fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one credit card wants me to pay charges that I didn't do. I tried to tell them, and they closed the card and left me with a bill and it's on my credit report that I owes them and I was going through fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from Experian, XXXX, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the Experian XXXX and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all 3 credit bureaus, ( Experian, XXXX, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract Experian, XXXX and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, 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 2023-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NC

Complaint narrative:
The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation