vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: MD

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-05-09 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: MD

Complaint narrative:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Not updating my credit report and I don't see my scores, and delete all errors

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX Chime locked me out of my account due to suspicious activities. They swnt me an email requesting i send the front and back of my driver 's license and a piece of mail verifing my address. I sent them everything they requested and then they sent me another email requesting a w9 form and a new form of id. My drivers license is up to date. I have done plenty to prove my identity and my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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.

XXXX 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.

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 2023-05-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt.. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sent this letter to Paypal Credit on XX/XX/XXXX with no response from the company. 

XXXX XXXX President / Chief Executive Officer Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : Conditional Acceptance of Payment Claim Lowes Advantage Card ending in XXXX PayPal Credit Account XXXX in XXXX Dear XXXX XXXX, I am writing in response to your correspondence dated XXXX the XXXX, XXXX in which you claim that I am obliged to make a payment to Synchrony Bank for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Synchrony Bank for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Synchrony Bank has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or time frames. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 


Sincerely, Then I received an on-line correspondence thru my email from them saying something about them looking for a missing payment. Then the next day the account was credited for the total amount due of {$1400.00}. 

Now the amount is back on my account as a current balance due and my card has been frozen which is an interference in commerce.

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I originally took out a personal Loan with Upstart, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. Upstart was one of these lenders that was defaulted in the process. 

Upstart notified me that they sold the debt to " XXXX XXXX XXXX '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact XXXX  by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. XXXX XXXX never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents as your reference regarding the complaint i'm submitting to CFPB today regarding these companies as they are reporting inaccuracies on 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 2023-05-08 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: 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. 

XXXX 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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. 

XXXX 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.

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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This contract was handled with the company directly and is not a correct debt. I have proven this on my disputes with 2 credit reports and this has been removed. Instead of sending me proof of the debt, they just try to verify it as " accurate '' with NO PROOF! 

Credit Collection Services is the company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
A balance of {$210.00} was paid on or around XX/XX/2022. The balance is still on the account after countless phone calls and emails. I mailed a dispute acknowledgement form when I called about the status they said it was closed ( I was never notified ) and it was double credited and I still owe the {$210.00} plus interest and late fee. I never received a refund for the {$210.00} and if I pay it again I'll be paying it twice.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Trying to make weekly transfer to my daughter and my account was disabled to transfer. I should have known, the moment my account was flagged and disabled. The ridiculous thing, they make you go through hoop and continue to ask questions. It wasn't until 3 calls later that a supervisor explained that my account was disabled due to a change of carrier of my phone number. Needed to make the transfer for my daughter that needs her allowance away from home. There was refusal to give me additional information, even how to escalate, or complain within the bank. Spoke with 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 2023-05-08 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: NY

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. 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 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 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT 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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022, I called Chase Mortage and let them know that my payment was going to be late informed them it would be the end of the month. I made the payment late and received a 30day late on my credit report. My complaint is Chase had a COVID program available to me and I shared that I was having a difficult time with my payment, during our conversation the Chase representative NEVER shared the COVID program with me and never offered the discussion to help me with an opportunity to apply for the COVID program. Because of their lack to share this important program I have received 2 thirty-day late on my credit report. I requested Chase do an investigation and listen to the " recorded '' phone call, they found that the Chase representative DID NOT offer the program, which is what they were supposed to offer any customer that called, this was a directive to all banking institutions by the Federal Government ( I believe ). I did not find out about the COVID program until after Chase ended the program- they failed provide assistance. I asked for documentation from their investigation, and I was told that they " Chase '' could not release this information to me. Based on their findings I have asked that Chase remove the 2 thirty-day late penalties from my current credit report, and they have denied my request. This would have never happened had the Chase representative provided me with the COVID program assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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