vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.

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 2022-10-24 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX. The following items I have attached are items in my report that I need deleted. I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as I am attempting to purchase a home and can not do so with these inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX illegal repossessed a XXXX XXXX XXXX. Without any permission, nor notification of where I may retrieve personal items from the car. Credit acceptance also did not notify me of a right to redeem vehicle. credit acceptance currently has multiple compliant filed against the company, As they lie and try to close the compliant so that they can repossessed the vehicle. After findings of multiple illegal repossession. The Consumer Financial Protection Bureau ( CFPB ) is moving to thwart illegal repossessions in the heated auto market. A compliance bulletin issued today reveals conduct observed during CFPB examinations and enforcement actions, including the illegal seizure of cars, sloppy record keeping, unreliable balance statements, and ransom for personal property.The CFPB is concerned that these market conditions might create incentives for risky auto repossession practices, since repossessed automobiles can command higher prices when resold. The timing of auto repossessions often comes as a surprise to borrowers and can cause devastating injury by depriving borrowers of the use of their vehicles. In addition, many people experience emotional distress when a car is taken from them, lose personal property, miss work or lose their job, incur expenses for alternative transportation, pay repossession-related fees, experience negative credit reporting, and have to repair vehicles damaged during the repossession process.

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 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
Was paying a set amount to XXXX XXXX. Next I receive a call from a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX submitting this complaint against Experian Information Solutions , INC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well

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 2022-10-24 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:
I wrote Experian about 2 incorrect accounts they have reporting on my credit report. I requested that they investigate and provide me with proof of investigation and all I keep getting from them is the debts were verified. I have requested method of verification and they are unable to provide the method and they are currently still reporting.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX submitting this complaint against Transunion, LLC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My mail was potentially redirected to another residence. I never received my benefits from the IRS, XXXXXXXX XXXX XXXX CREDIT UNION ACCOUNTS, CAR IN MY NAME, XXXX, UNEMPLOYMENT BENEFITS, XXXX. I took the necessary procedure and made reports to the XXXX, IRS, FTC, FBI, XXXX FTC # XXXX IRS # 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 2022-10-24 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: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries and were not authorized on my credit consumer report with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I submitted a charge back to BOA on XX/XX/XXXX, BOA claimed they were waiting for the merchant to respond. Merchant says money has already been taking back from their account. XX/XX/XXXX BOA says they sent another chargeback to the merchant, merchant responded on XX/XX/XXXX, BOA claims their response wasnt good enough. BOA is now waiting for the merchant to send A BETTER RESPONSE If this whole time we were waiting for the merchant to respond and for me to finally get my money back, why wouldnt they close the case and issue my refund once theyve seen that merchant doesnt have creditable evidence?? Why is MY bank giving this merchant so many chances to respond to chargebacks that they can not provide evidence to?? The merchant has already said they were willing to give the refund, I have provided BOA with evidence saying the merchant is willing to give the response! BOA is refusing to close the case and issue the chargeback. It has now been 3 months of me fighting my OWN BANK to get funds thats owed to me!!! My next steps will be to get a lawyer involved and see about legal actions!!

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had an account with Synchrony Bank for a Care Credit and a Discount Tire Car Care account. I reviewed my credit report on XX/XX/2022 and Synchrony closed my Care Credit and Discount Tire account, stating I filed a bankruptcy. I did not file a bankruptcy. When I contacted them to find out where they are getting this information from, I was hung up on. They did not give me any recourse to fix this error and this is damaging my credit worthiness. I have a relative in my same household who filed, but he has a completely different social security number, so I am unsure how they are confusing this with me. My SSN ends in XXXX ( XXXX XXXX XXXX ) and the relative who filed for bankruptcy and the bankruptcy paperwork shows the last 4 of the social as XXXX ( XXXX XXXX XXXX ). Two separate people. They need to fix this.

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 2022-10-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CFPB + CBNA, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible

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 2022-10-24 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: NV

Complaint narrative:
On XX/XX/22 I called the Experian Credit Agency reporting that there were some Inquiries that I do not recognize and were not authorized, therefore they had to be removed from my credit report and my application did not work and they have not given an answer on the case. I ask you to take action on the case and eliminate these unknown and unauthorized inquiries in the next 15 days.

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 2022-10-24 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: MA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XX/XX/2022 XXXX XXXX. 
Fraudulent inquiries and were not authorized on my credit consumer report with TransUnion

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 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
I have been trying to get a refund for payments made during the covid forbearance. My refund has been processing for 30 days with no updates. I have {$320.00} coming to me in the form of a refund and received no confirmation email that this was processed. When I chat with someone, they keep telling me it's still being processed. This is becoming increasingly frustrating. I have no proof just by what agents tell me that they started the process, I have applied for the student loan forgiveness and want to make sure my refund is added back to the current balance of my loan, so it is paid in full. My loan company is Ed Financial, is there any way to get this process sped up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Beginning on XX/XX/XXXX of the year XXXX till the current, My accounts at Cominity Bank- bjs ending in XXXX, case # XXXX. Along with an XXXX account with a case # XXXX. Both accounts have been in fraudulent use with multiple unauthorized transactions starting from and around accounts opening. I believe my cards were stolen and has been in use since, and all transactions on the accounts are unauthorized and are a result of fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX I wrote 3 letters to Experian, XXXX and XXXX disputing 3 issues on my credit report, the amounts were in question after verifying the accounts with the creditor and 2 creditors did not recite the XXXX XXXX, I stated this in my dispute, weeks later while on the Experian app, I see " Dispute results updated '', the dollar amounts were changed but no mention of the creditor failing to recite the XXXX, I called Experian, they opened up a new " Account Dispute '' but nothing has changed to date, Experian did not even mention the XXXX not being stated in their 1st report, it had no bearing to them, I thought the XXXX always had to be recited and if not that is a violation of the Fair Credit Reporting Act.

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 2022-10-24 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: MI

Complaint narrative:
the following accounts are illegally reporting this negative information regarding a debt that allegedly I owe I requested to have the information verified they failed to provide me with proof. This is a direct violation of USC 1691 ( a ) 2 As well as 15 USC 1681 further sates there is no requirement for a financial institution to furnish negative information to a consumer reporting agency. The other negative information is a direct violation of my HIPPA rights.

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 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank holds my mortgage. My homeowners insurance increased, so as a result my monthly payment increased from {$2500.00} to {$2500.00}. I never received notice of the increase, so in XXXX, I paid the normal amount of {$2500.00}. 

Later in the month, I received notice that my loan payment was underfunded by {$53.00}. The notice said to send the {$53.00}, which I did IMMEDIATELY upon receiving notice. I was charged a late fee of {$83.00}. 

The bank -- despite instructing me in a letter to just send the additional funds owed in order to rectify the issue -- decided to NOT deposit my original payment and instead for some reason mailed me a check for {$2500.00}. So, rather than accepting the two partial payments ( {$2500.00} and {$53.00} ) I have sent, which combined is the full payment for the month of XXXX, they recorded me as not paying my loan at all. 

Despite NINE phone calls to fix the issue, PNC has now reported me to a credit agency and has threatened to take action to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I posted an item on XXXX XXXX. First time seller. In the first 1h of posting the item I received 4 messages. I replied to one and the 'buyer ' told me he would pay me asap and have his son pick up the item later in the day. He suggested XXXX. I said ok send me the money ( {$550.00} ) and I gave him my XXXX info ( email and phone number because I wasn't sure which one I had connected to my account ) and then he said he sent it and he wanted an screenshot of the email of confirmation. I found the email from " XXXX pay '' and it indicated that only a maximum of {$500.00} could be transfered so the money was pending. The email also said that the transaction couldn't be cancelled and that in order to continue with the transaction I had to create a XXXX Business account and the only way to do that was for the 'buyer ' to send me {$1000.00} and then I had to send {$450.00} back to the 'buyer ' so the transaction would process. The 'buyer ' was insisting and constantly texting me as to put pressure and make me believe that he trusted me by sending {$1000.00} and asking me whether or not he could trust me with the 'extra ' {$450.00} he was adding so the transaction could take place. I asked for his XXXX info and send the {$450.00} which was pending on my XXXX account connected to my Chase checking account. Then I proceeded to get a phone call which appeared on my cell phone as " Chase '' and I answered. The " representative '' told me he was calling because of a XXXX transaction that needed approval. He proceeded to confirm it was me by asking 3 security questions related to addresses I had lived in the past and places I had worked at. Then they sent me a code on a text which I had to give to him so he could verify my identity and proceed with the transaction. After that call, the XXXX transaction was delivered and so I informed the 'buyer ' that I did all that was required but then the 'buyer ' kept saying he still had issues with the money. I proceeded to get another email saying that a Government fee of {$1000.00} had to now be paid in order to get the money transaction to proceed. Unfortunately, it was only until that point that I realized all was a very elaborated scam. I called Chase bank and they said they couldn't do anything about it because it was a cash transfer. I called XXXX and they said that they are aware of many scams and they were sorry but there was close to nothing they could do about it. 
The other 3 people that also contacted me on XXXX XXXX were also scammers. They initiated the communication in the exact same manner offering to pay through XXXX. They never replied or left the chat after I asked for other ways to do the transaction or for the transaction to proceed in 2 payments.

Company response to consumer: Closed with explanation