vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX Transunion is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last complaint that I submitted in this portal said that XXXX was going to delete all of this in XXXX business days and they have not. I want this inaccurate info deleted immediately.

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 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Returned an item and never got my refund XX/XX/22 {$300.00}

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 explanation
Consumer complaint received 2023-01-15 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:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of XXXX and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: EQUIFAX, INC.
State: PA

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 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 XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-01-15 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: PA

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 name : XXXX XXXX XXXX  # XXXX xxxxxx Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Make payments, lower my credit limit than that would run my credit score and raise and repeat

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 2023-01-15 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: SC

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 15USC 1681. 

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 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 record 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 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I received a letter stating that I owe a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Item purchased was returned XX/XX/22 {$750.00}

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 explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was giving provisional credits for XXXX on XX/XX/2022 by the bank for a dispute I filed on XX/XX/2022. Once giving the temporary funds my old card was disabled XX/XX/2022, only way to move funds were for me to enter a branch which 1 hour away from my home or use a member to member feature inside my mobile app. I went with the member to member feature to send funds out of my account in the amount of XXXX then XXXX another for XXXX and finally another transfer for XXXX to two other accounts, the next day my account was restricted and also the other members account was suspended as well. I see nothing I did wrong to deserve my account to be closed I been a loyal customer since day 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
An original letter was sent to credit bureau & the company directly and I have not received any information nor is the account deleted I also disputed this debt online as well Asking them to verify debt information & send updated results and have not received anything.it has been over 30 days without a response

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 2023-01-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
There was a account from XXXX XXXX that I previously disputed and had removed from my credit report thats was not mine, I have never done business with this company. On or around XXXX oXXXX XXXX This account was added to my credit report for a second time, now how could it be removed and deemed not mine now its on my report and I dispute it it comming back verified. I ve ask equifax to send me verification process, signed contract with this company but they have yet to show proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: MS

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 Name/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, Account Name/Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account Name/Number : 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. 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 2023-01-15 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 XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 2023-01-15 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 XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX AR XXXX XXXX Account number XXXX XXXX of XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 explanation
Consumer complaint received 2023-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was in the hospital and missed my credit card payment because I was unable to log in and change my bank account info. When I paid my bill in full using my debit card, I noticed that the app said my count was restricted. 

I called to ask how to unrestrict and they said I could not do it because they closed my account. They said there was nothing that I could do. 

I paid the bill in full that day. Now I am being charged interest? So now the want another {$7.00}. Why am I being charged interest on an account paid in full and that they closed? If I had deleted the app, I wouldnt have known they added on more interest after I har already paid in full. 

I believe they should remove the interest and that my credit report should not be negatively impacted. I called 3 times about the original issue and was denied an issue escalation because they said reopening an account was impossible. I should be allowed to speak to a supervisor and escalate an issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 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: KY

Complaint narrative:
On XX/XX/XXXX, I tried to book a hotel for my family vacation. The amount was for {$1000.00}. The transaction did not go through and I received a text message from Chase at XXXX XXXX stating there was fraud detected. The text asked me to answer yes or no. If my answer was yes, I would not be charged and had to try again. If it was no, my card would be closed and Chase would send me a new card. I answered yes and I received a text message saying thank you for confirming my transaction to retry the transaction. I did not retry to book again that day. 

The next day ( XX/XX/XXXX ) I noticed I had not been charged for the hotel. I decided to book a different hotel. Before I booked another hotel, I decided to call Chase 's customer service to get clarification on whether the transaction had gone through. If so, would I needed to contact the hotel or Chase to cancel the transaction. The Chase agent informed me the transaction had been declined so i had not been charged for the transaction. I would only be charged if if I tried to book the hotel again. 

After hanging up, I did not book the same hotel and booked a different hotel. On XX/XX/XXXX, a week later, I saw I had been charged the {$1000.00} for the first hotel on or around XX/XX/XXXX. I called Chase to ask why I had been charged the {$1000.00} since I never rebooked the first hotel and I had also called to confirm with an agent on XXXX XXXX, XXXX that I would not be charged unless I tried to rebook the hotel. They stated they would conduct an investigation into the matter and would refund me the amount for the moment. 

On XX/XX/XXXX, I received two letters from Chase stating they had completed their investigation into the transaction I reported to them on XX/XX/XXXX. Chase stated they found that the transactions were processed based on information I provided or authorized. As a result, they would remove {$280.00} and {$740.00}, totaling {$1000.00}, from my account on or after XX/XX/XXXX, which they did. 

After I received these letters I have called them twice about this issue to get clarification on why I was told misleading information about whether the transaction had been approved or not. I have been told by Chase agents there is nothing they can do since I voluntarily submitted my information even though I never stayed at this hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
FACT #!. I was credited {$120.00} on XX/XX/XXXX on my account ending in # XXXX Bank of America XXXX AZ XXXX card from the XXXX XXXX Pandemic from XXXX XXXX XXXX XXXX XXXX, AZ. See attached consecutive stays dated from XX/XX/XXXX thru XX/XX/XXXX. 
FACT # XXXX. Bank of America is in possession of my {$120.00} and is wrongfully withholding my {$120.00} from vendor XXXX XXXX XXXX XXXX, AZ as a refund for transient taxes that are all " EXEMPTED '', see attached consecutive stays from XX/XX/XXXX thru XX/XX/XXXX. 
FACT # XXXX. Under Arizona Revised Statutes XXXX Consumer Fraud and theft by Bank of America XXXX 
FACT # XXXX. Today is XX/XX/XXXX, at no time has Bank of America sent me my {$120.00}. Bank of America has committed and is accountable for bank fraud and consumer fraud against me, the consumer. It has been 2 months.

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 2023-01-15 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: MS

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 Name/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number 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 XXXXXXXX, 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. 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