vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a credit card with capital one, I was maybe a few weeks behind on my payment. I paid my balance in full and even paid over the limit. I never received notification and they closed my account out with explanation nor notifying me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had very clear fraudulent activity on my account in XXXX and XXXX of XXXX. Synchrony bank never identified the fraud and it continued for 30 days. My account was set up for automatic payment and the money was withdrawn from my checking account paying for the fraudulent charges. I called to report the fraud when I saw the large withdrawal. 
A fraud claim was opened. I contacted synchrony multiple time over the next several months. I never heard from them proactively. The only information I got was fraud communication was via email and I would have to wait sixty business days. I still never heard from them but eventually they found the claim in my favor at the end of XXXX which I only knew about because I called weekly to find the status. I now have a credit balance of thousands of dollars on my account that they will not release. I have been asked for dcoumentation that the payment in XXXX was made. It was an electronic payment so obviously they have that. Regardless I sent that via the companys portal. They claim they dont have it. Now I am faxing the documentation. I have been without this large sum of money for far too long and every step of the way Synchrony has been negilgent in fulfilling their duties. I need help in getting this money returned to me.I also want a complaint filed against Synchrony for negligence as I feel the fraud should have been identified way earlier than it was and this claim should have been resolved long ago. It is not XXXX and I have not received one communication from Synchrony regarding this matter.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Late Payment for XXXX XXXX XXXX  Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Late Payment for XXXX XXXX XXXX Account number XXXX was as an direct result of XXXX. I asked for the company to remove the late payments and to mark the accounts as Paid As Agreed. It is not fair that I or anyone would have to wait over 7 years to have late payment removed especially when the late payments was as a result of an disaster. My financial obligations to this account is up to date and should reflect that all payments was received. However, that is not the case and I am respectfully requesting that the accounts be marked as Paid As Agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/, I had a hard inquiry on my credit report from One Main and then another from XXXX XXXX XXXX on XXXX ( today ). 

I contacted One Main immediately and was forwarded a link to dispute it, which I promptly filled out with all the requested information. I then received a mailed packet of the same information, which I again filled out. I have not received further communication from them. 

XXXX immediately stopped the inquiry today and said they would handle it within XXXX hours. 

I contacted XXXX, who said they would remove it from my account. I called XXXX, who I need to send in this report and multiple pieces of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Urgent Complaint - Unexpected Account Closure and Withheld Funds Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX XXXXXXXX, Iowa XXXX Date : XX/XX/2023 To whom it may concern, I am writing to formally file a complaint against Chase Bank for the unexpected closure of my account and the withholding of my funds without any given reason or evidence suggesting any illicit activities on my part. 

On XX/XX/2023, I was notified that my account, number XXXX, was closed. No prior notification or reason was provided. Additionally, as of XX/XX/2023, I have been unable to access the funds in my account, amounting to {$5800.00}, despite my numerous attempts to resolve the issue with the bank/institution .

I have always ensured that my transactions and activities are lawful and within the bank 's guidelines. It is deeply concerning and distressing to be treated as if I have committed some wrongdoing without being presented with any evidence or even an articulable suspicion of any illicit activity.

Despite my repeated attempts to communicate with Chase Bank using the number they provided to inquire about the details ( XXXX ), they have either been unresponsive or unable to provide a valid reason for their actions. This has not only caused significant financial strain but has also impacted my ability to meet my financial commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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:
There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation
State: CO

Complaint narrative:
XX/XX/XXXX I opened a claim with the banking app Albert. I had them cancel my existing card & send me a new card. My debit card ultimately was used as credit for {$140.00}. They denied my claim because The transaction pattern and associated activities arent indicative of fraud. 
The transaction pattern isnt indicative of fraud. 
Deposit ( s ) occurred immediately before disputed transactions, indicating awareness of the balance and authorization.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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:
I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions. 

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including XXXX, XXXX, TransUnion, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was dold a car that was not proper working conditions and after only 2 wks of having the car I was told there was engine problems and the problems went on from there now I've learned that the company has closed the business and is being sued for illegal practices on many levels but I'm lost to who my property contract is with they've passed the payment part to another company leaving no contact person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. 

If there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. 

I will forward the document to the complaint to support my claim. 

However, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.

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 2023-10-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX fraudulent charges included : {$9.00}, {$49.00}, {$49.00} XX/XX/XXXX : I called Chase fraud services and filed a report, they temporarily reimbursed the funds in my checking account and said they would investigate. 

XX/XX/XXXX : I contacted Chase fraud services again because the unauthorized amount was charged back to my account. The person working for Chase stated they couldnt find evidence of a fraud charge as it came from an authorized digital account. I asked for more info and they simply stated they couldnt re-open the case in their system and it was considered closed. They advised me to take up the fraud charges with the merchant to reclaim the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I requested the Bill Pay service through Bank of America, to pay my landlord ( XXXX XXXX XXXX XXXX  ) in XXXX XXXX, FL for my business rent in the amount {$9900.00} on XX/XX/XXXX. 
They sent check number # XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
This person is NOT in my contacts nor do I KNOW HIM, he cashed the check through XXXX XXXX. 
Bank of America closed my case number as they stated that the paperwork was filed incorrectly. It is unclear if the one that I have is still currently active, BOA case # XXXX I have called numerous times to Bank of America, Bill Pay and also filed an affidavit on XX/XX/XXXX to retrieve my ill directed funds. None of these institutions seem to accept responsibility for this matter, all seem to point the fingers at each other and Im left with zero communication. I have been without these funds now for over a year. This is totally unacceptable. My understanding is that since the check crossed state lines it is considered a federal crime, hence the hesitation. I would like this matter to be resolved immediately since this has really been dragged on for way too long!

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



DEPT OF EDUCATIONXXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: FL

Complaint narrative:
Credco Consumer Services Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Get My Consumer Report Credco, Please send me a copy of my consumer report to the address on file. Enclosed with this is my drivers license, social security card, and mailing address. 


Sincerely, 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