vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: IN

Complaint narrative:
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and Transunion, they were all in violation of these terms.

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 2023-12-21 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: IN

Complaint narrative:
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, Equifax and XXXX, they were all in violation of these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: IN

Complaint narrative:
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on Experian, XXXX and XXXX, they were all in violation of these terms.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wasn't aware that my credit wasn't frozen until I had to apply for some credit and then unfreeze my credit. Several times I checked and it keep saying not frozen and company 's were able to check my credit without me having to unfreeze it. I went some years thinking that my credit was frozen and it wasn't. If company 's are able to check without me saying it, how many people have used or able to get into my account without me knowing. I don't feel safe anymore.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing. 

1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will " drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws.

2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust. 


In severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it. 
- A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA.

- Assurance of measures to prevent similar issues in the future.

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 2023-12-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-21 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma assured me that I would get a credit card when what really happened was I was denied because of my my credit score and it went as a bad mark on my credit report because this company pulled up my credit history without my approval. I have been getting spam from credit karma and a bunch of other loan and credit card places through my my mail and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I called the BMO Fraud Department on XX/XX/XXXXto file a dispute on several transactions from merchant XXXX for {$510.00}. Then the Merchant XXXX XXXX XXXX XXXX NY, for a total of {$1100.00} ; their protocol is the Claim is open for 45 Days. If the Merchant Responds, they then would call me to discuss further options ; it has been more than XXXX Calander Days and XXXX Business Days, and I have never received a call from BMO nor a Voicemail, so I am under the impression the Merchant did not respond, so as per BMO protocol after 45 Days with no response the Claim would be closed in my favor. I have yet to receive a credit for these transactions.

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 2023-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from Experian Credit Member Services stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for Experian to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.

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 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid car loan off in XXXX XXXX. After multiple conversations due to late payments reported in XXXX and XX/XX/2023 due to app payment issues, this was not removed. I paid loan off due to frustration and XXXX weeks later have another late payment reported on XX/XX/2023 even though the balance is XXXX and I received refund for over paying. Bank of America admitted the issue on XXXX XX/XX/2023 at XXXX and told me they would fix but to also call the credit bureaus.

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 2023-12-21 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: CA

Complaint narrative:
I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from XXXX XXXX XXXX XXXX stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for XXXX to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.

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 2023-12-21 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: CA

Complaint narrative:
I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from XXXX XXXX XXXX XXXX stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for XXXX to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX early in the morning I decided to finish XXXX shopping, a random stranger asked me to use my phone to call for a ride, me being the nice person I am out the kindness of my heart I let her use my phone while she used my phone she decided to send herself ( Transaction # 1 ) in the total of {$50.00} dollars a few minutes later she send herself again ( Transaction # 2 ) in the total of {$30.00} dollars, now she handed me my phone back and I proceeded and got in my car, once I get to the next place I noticed {$80.00} was missing ( before I pay for my items I always check my account, even throughout the day ) I instantly called chime to dispute I told them the same thing so they filed dispute # 1, hours later I recived a email stating that they denied the dispute I called to rebuttal so here it is dispute # 2 again same thing hours later now this is yesterday they send me a email again that even the rebuttal had gotten denied now at this point, I'm emailing chime letting them know I will take further action if need be, I've also tried to explain to chime I did not authorize these 2 Transactions, this was simply a stranger asking me to use my phone ( I do believe if I do good by others a blessing will always come ) me being the person I am I let her and when I did she sent herself {$80.00} from my account without my knowledge, my apps in my phone do not have a pass code on them, also I would like to state that chime has not solved my issue and they refuse to, I've told them expressed to them on sevral occasions that it's XXXX and I have been a customer loyal at that since XXXX of 2023 XXXX XXXX XXXX XXXX i work hard for my money that was money for my children for XXXX and they still refuse to place my {$80.00} back to my account, I don't even use chime to send any type of money I can count on 1 hand of how many times I used chime to send, I could give chime documentation because I do not know this lady the name that the lady sent the money to I looked up the name on XXXX and XXXX and that was simply not the same lady I let use my phone, they still refuse so please I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I took out a {$1500.00} loan in XXXX of 2021. I've been paying on the loan since and still owe {$1000.00}. I got sick and missed a payment so I contacted a manager named XXXX and asked about a settlement to payoff the loan. Hey advised he was going to contact corporate office and see if they could negotiate the settlement and maybe cut some of the interest and fees. 
I prepared a settlement letter and sent a certified letter with a certified check in the agreed upon amount of {$600.00} dollars. 
I continued to receive multiple collection calls daily and a new person claiming to be the manager stated they were not going to honor the arrangements and my car would be confiscated. They are holding the cashier 's check, but never cashed it and have not returned it to me stating I need to pay the remaining amount and are still showing my account past due and subject to take possession of my vehicle. 
I was also a victim of the data breach and they refuse to give me any information regarding submitting a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I don't make this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't make this accounts.

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 2023-12-21 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: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Equifax : EQUIFAX MORTGAGE SER XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: TX

Complaint narrative:
I transferred {$150.00} on XXXX XXXXXXXX XXXX to an account in XXXXI noticed the account number was wrong an hour later & notified the company. 
No update has been provided other than the issue has been escalated.Called several times, the customer service always says issue has been escalated. I missed out a XXXX in the account number

Company response to consumer: Closed with monetary relief