vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: OH

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.

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 informationisinaccurate.

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 2024-05-26 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: OH

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 
and XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 usc 1681e ( b )

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 2024-05-26 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

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 2024-05-26 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit karma promised {$50.00} if youre denied for a credit card. I applied and was denied but never received the {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX, XXXX, XXXX of XXXX and XXXX of XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

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 2024-05-26 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: 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. 

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 informationisinaccurate.

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 2024-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

Ive tried disputing multiple times, however the credit agency have blocked me from disputing any further. Also this matter has been treated as a total loss, and theyre still violating my privacy during this tragic loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CO

Complaint narrative:
IC System : XXXX XXXX XXXX XXXX account opened XXXX. Balance on account {$1300.00} Account was fraud, I have never opened a XXXX account under my name. Account should be listed as fraud/ improper information and removed from my credit report as I was not aware of this account.

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 2024-05-26 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-26 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I get monthly I have several creditors that are refusing to change my due date so I avoid a late fee and or late payment remarks. For the past years I have been pushing hard to get this request completed. These creditors are not compliant with FCRA and complying with the due date requirements of allowing the consumer to make a change. These companies are fraudulently charging late fees stating that cant change per the guidelines, or state once your account is current which it is, or youre over the limit. I wouldnt be over the limit if they were not racking up fees charges and then interest on top. They are losing money because people are defaulting and XXXX  the consumer who is doing right and paying monthly but refusing to change the date because they will lose revenue if they honor the request. Synchrony Bank is the worst, XXXX XXXX XXXX  is another, How is this acceptable?

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 2024-05-26 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: UPGRADE, INC.
State: TX

Complaint narrative:
In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies XXXX  Upgrade, 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 2024-05-26 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: IL

Complaint narrative:
I

n accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose. Ive tried disputing multiple times, however the credit agency have blocked me from disputing any further. Also this matter has been treated as a total loss, and theyre still violating my privacy during this tragic loss.

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 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting unknown unauthorized credit inquiries to my 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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I called CHASE credit card about an unusually high balance on my card. I pay my balance in full every month. There was a difference of approximately {$1400.00} that was explained to me as charges that were assessed after my last payment on XX/XX/year>. I informed them that I paid these charges on XX/XX/XXXX and nothing was pending when I made the payment in full. I was told that these charges were from the XXXX and had not " hard posted '' until the XXXX ( apparently after my payment coincidentally ) even though they showed not in pending status at that time and some charges from the XXXX had posted. I asked for itemized list of charges, posting times, and account balances ( what they were looking at as they explained this to me ) they said they " can not provide that '' I asked why, and was told repeatedly, they just can not. I believe at worse I am being assessed twice for the same authorized charges and at the very least I am being not provided transparent information that is due to me as a consumer. Regulation needs to be enacted and policy changed/enforced to protect consumers and force credit companies to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX  I was a victim of a Ponzi Scheme where I was scammed out of {$750000.00}, I have provided screenshots of my XXXX along with the invoices from my lawyers that was also XXXX. This statement of facts articulated the scheme to defraud and I also provided the bank my efforts to resolve the issue with webull. Let me be clear, this scam has put me in a ruinous financial position, I have lost everything because of this scam. Citibank will only respond to my complaint with a generic answer that since I authorized the charges, I cant dispute them. I never stated that I didnt authorize the charges, my complaint was that I was scammed in my investment. The scam is so complex that can only be explained in my statement of facts. Ignoring my statement of facts which I spent XXXX for my lawyers to put together is a smack in my face and a failure of duty on Citibanks behalf. I will be forced to file for bankruptcy with this decision. My life has completely ruined and I would hope that my bank would defend me in these efforts. Please know, that recovering money from a Ponzi Scheme is impossible.

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 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had recently moved to a new city and opened this checking and savings account with Capital One and they closed it in a few days after I received my salary and my rent was due in a few days. I received my money after XXXX days where I had to pay my rent my borrowing money from my brother who lives XXXX This was really embarrassing and inconvenient to say the least. I was provided with no logical explanation and I vowed to never return to this brand for my banking needs. 

I received the following email : We're closing your Capital One 360 deposit account ( XXXX ) because we confirmed you're misusing them. Any CD ( XXXX ) were closed without penalty and with the full maturity value. 

We're sending the funds- plus any interest earned- to your linked external checking account and they'll arrive in XXXX business days. If you don't have a link or your link 's closed, a check will arrive by mail within XXXX business days to your address on file. 

I tried contacting the bank and even visited the branch and talked to the representative and they said they could do nothing. 

I faced a lot of financial hardship due to this and not to mention I had just moved to the city and even my first salary was stuck due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I acquired a bankruptcy attorney in XX/XX/2019. Per my attorney I was advised not to communicate with any debtors. I continued with the bankruptcy process and it was discharged. I received negative marks from the Department of Education/Aidvantage after the bankruptcy was discharged. I have never been late paying student loans currently or prior the negative marks on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies Upstart, Upgrade, 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