vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-02-17 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report ConsumeXXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX  ( Account # XXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CT

Complaint narrative:
UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIMXXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN TRANSUNION AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS TRANSUNION TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND TRANSUNION WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. TRANSUNION IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! TRANSUNION IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; XXXX recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I tried to log in to my Amazon Store Card Synchrony Bank and access my account but I was forced to agree to some online terms. There was nothing else clickable on their site to continue to my account except " agree ''. Then I was locked out of my account due to " we are having technical difficulties please try again later ''. This went on for weeks. I could not access my account online at all and I needed my balance to pay the card. The account worked fine the months before. Customer service wanted my to alter my computer settings to log in and I refused. No other financial institution that I do business with does this. Finally I was allowed to know my balance and the card was paid but I still have no access to statements, fees, alerts, settings, or balances! The same issues constantly happen when I try to log in, I am forced to click " agree '' then I get the same error stating THEY are having technical difficulties not me on my end.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has 7 hard inquires that aren't mine. It is done through fraud. 

XXXX has 18 hard inquires that are complete fraud. 

XXXX has 2 hard inquires that are complete fraud. 

They let companies use inquires to make money. I have not applied for any new credit in 4 years. So these all have fraud issues and take customer service overseas and destroy are laws.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has 7 hard inquires that aren't mine. It is done through fraud. 

Transunion has 18 hard inquires that are complete fraud. 

XXXX has 2 hard inquires that are complete fraud. 

They let companies use inquires to make money. I have not applied for any new credit in 4 years. So these all have fraud issues and take customer service overseas and destroy are laws.

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 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Several transactions were made using XXXX that were a scam. I tried fixing the issue with PNC bank and was denied 3xs. I filed a police report with XXXX XXXX Sheriff Lt. XXXX XXXX. I called PNC back with the incident number and was denied again. The total amount was just under {$1000.00} because it would have been a felony if they got that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
On XX/XX/2023, we talked by phone with XXXX and we sent you again via email proof of coverage " Full Value ''. 
XXXX XXXX XXXX XXXX confirm that the apartment has no improvements, so we do not understand why Selected Portfolio continues requesting H0-6 coverage. 
I would appreciate it if you could confirm the reason for requesting coverage H0-6.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I sent XXXX today XX/XX/2023 to XXXX XXXX XXXX The receiver was XXXX XXXX. She is my girlfriends mother. Moneygram said they needed more information to process the transaction. They want her date or birth and her place of birth. I don't even know this woman so I told moneygram to cancel. They refused. I told them I don't speak their language and don't even know the woman 's telephone number. So I am filing a complaint. The transaction never was completed and did not go through. The moneygram reference number is XXXX. The amount was XXXX. I am the sender. XXXX XXXX. The receiver in XXXX XXXX was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The account list below violated my federally protected consumer privacy and confidentiality under 15 USC1681. account XXXX This company violated my constitutional right. This account is paid in full. I attempted to dispute this with no results

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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

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 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I've contacted Chase multiple times with zero resolution. They have tried to allege that they charged me interest for " not paying my balance in full '' when 99 % + of my balance was a 0 % interest balance transfer. I hardly ever made any purchases using this card and when I did, I paid them in full. Chase still charged me interest. Furthermore, on XXXX XXXX XXXX  I updated my auto-pay to my new bank details, but Chase still incorrectly tried to take payment from my old ( closed ) bank account. I contacted them on XX/XX/XXXX and spoke to XXXX. He said they had a system glitch and updated the system with the notes. The payment issue was resolved but it appears they then used THAT issue to continue charging me more fraudulent interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The Kay Jewlers credit card has a balance that included a promotional, zero interest balance until XX/XX/. I called before my due date and made a payment to fully pay this balance off. The due date came and I called again to make another payment towards the principal, non-promotional balance and found out they did not apply my first payment towards the zero-interest promotional balance and instead applied it to my minimum payment. This means I paid interest of 29.99 % on my promotional balance AND 29.99 % on my principal balance. When I questioned why they didnt apply my payments as I requested the representative changed their answer multiple times. First she said it was because my minimum payment was due ( this is untrue because I called BEFORE my due date ), then she said to apply any payments towards my promotional balance I needed to submit this in writing ( also untrue according to the terms ), finally she said they would escalate and respond. I never heard back from them. Next thing I know I have a late payment indication on my credit report. I called again and they gave me the same run around. I have disputed this with my credit reporting app and no one has been able to address the fact that I have them money, told them how to apply it and they didnt follow interruptions and did what they wanted with my money. It is the principle of the fact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I had a credit card with Bank of America. I paid it off and closed it in 2016. The card is still on my account. I want this account to be deleted from my account. I sent disputes to XXXX they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. Bank of America is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. This is racism. Bank of America is XXXX XXXX company. 

Thank you! 

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