vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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:
On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as TransUnion, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. My question to is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to the FCRA U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you are reporting information that by law should NOT be included on my credit report? I have also brought this information to the XXXX XXXX XXXX attention as well as my attorney general. Reverse all late payments that are reporting on the account ending in 1053 to paid on time.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase closed my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The card had been opened about XXXX months prior with a XXXX Line of credit to facilitate my flying on United airlines. I did receive the bonus miles promised. I received a letter, dated oddly enough, XX/XX/XXXX with the following words : " XXXX XXXX have an obligation to periodically review our customer relationships. We decided to close your credit card account on XX/XX/XXXX because of your connection to a publicly reported financial investigation. '' The letter is attached. I have an XXXX XXXX XXXX of XXXX at this moment ). It was over XXXX when I got the card. I believe the decrease is because of the increase in my percentage of credit due to their closing my card. I am retired and not involved in any financial or business dealings. I pay all of my bills and taxes. I am not under any type of investigation to my knowledge. About XXXX weeks ago I was able to reach someone at Chase ( A number of transfers ) that agreed to have the case reviewed and revert by mail in 10 Days. I have just received a letter thanking me for my valued business! No one at Chase will discuss this event with me under any circumstance. I am concerned about the effect on my otherwise stellar credit rating that I worked so hard to achieve! I also just applied for a card from XXXX XXXX and was rejected but I think that is because my credit accounts are all locked. I am not used to this. 

Attachments Chase XXXX XXXX XXXX ( XXXX KB )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them 3 letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off 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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX I thought I was talking to a loan officer, I had given him all of my information. This included my Drivers License number and banking account number because funds we suppose to be deposited into my Chase bank account. He deposited money into my bank account in turn I was told to buy gift cards. He had access to my bank account Chase will not take responsibility and will not pay me back the money that he backed out of my account. He backed out XXXX, XXXX, of my Car payments and my Condo payment and my HOA payment as well as doctor payments and other bill payments such as my XXXXXXXX XXXX bill I had made on the dates of XXXX XXXX through XXXX XXXX with a total amount of {$8100.00}. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have XXXX issues. I am a veteran XXXX identity theft watch program with the office of personnel management via the XXXX due to a XXXX breach. 

Since fed agencies removed full socials and mostly all partial socials on all paperwork. I called in today and couldn't get an agent. I pushed the options to get checking account info after asking for an agent XXXX My phone is insecure as well as our phone call. Security XXXX  decided to ask for the last half of my social security number via automated bot and not agent like I requested. This is a XXXX failure in privacy. This happened on XX/XX/2023 around XXXX XXXX. I then spoke with an agent to file a complaint as cell phones are not secure lines with data breaches due to trusting all devices. I understand this may cause inconvenience but not XXXX person needs my social but me and my spouse ( husband or wife ). The agent and supervisor in question said I could give other info instead. The automated line did not allow that, instead, it said if I didn't put in my last XXXX that it would hang up and did XXXX. I called XXXX originally. Additionally, the supervisor wanyed to badger me on why i was questioning security when breaches happen daily even to XXXX, XXXX, XXXX, even to state offices. A company that questions why a user has security concerns when their name literally has security in it, is a fallacy on its own.. If I get breached again due to a company I have no choice but to sue for damages. 

My XXXX  issue is I use third party services for management. Before XXXX, plaid was trashed. I complained and was able to use it again. Recently, I can no longer use it. I don't want a security service app like this because I don't trust them with the last interaction when this is an ongoing issue so far especially with the issue noted above. All I want to do is use plaid and to not have my personal information exposed by companies that have poor security practice that can't even match state and fed level already. Fed employees can't even email me directly because I am required to use encryption and their secure messaging and calling. They don't ask for socials anymore period.. you can verify me just like they do..

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 2023-01-09 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: PR

Complaint narrative:
XXXX XXXX  ( bank ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-09 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-01-09 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: TX

Complaint narrative:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

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 2023-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
These inquiries are made by companies with whom you have applied for a loan or credit in the past XXXX years. Learn More 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  SYNCB/PAYPAL XX/XX/XXXX SYNCB XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries are on my credit report, and I NEVER made any of them. 
I have no acknowledge of these items. I did do a credit freeze and experian did remove them. 

I ONLY opened : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

I have no idea what the rest is, this is fraud and i would like this removed off of 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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I spoke to XXXX the bank manager at amtrust New York Bank my father died and left myself and my mother as power of attorney and beneficiary to any and everything he owns and myself and.my mother went jnto bank and found out there had been fraud on account and I was told they would Handel the account and return funds and call.me to keep me updated well the.manager has done nothing won't release funds and never returns my calls I provided all necessary documentation and my attorney info was given she lied and said she spoke to him and.all he needs to do is sign a paper to release funds well my attorney said he never spoke to her. I'm upset and frustrated because XXXX XXXX is is my money that I need to Handel my father 's wishes and get him a headstone and I've been waiting for almost a year now. I keep getting the run around my documents have been lost several times by the bank and I've replaced them and had them make copy at banks many times I get no access to my funds and no further info I'm very upset and should be given m g father 's gunds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
The XXXX paid an auto claim payout to me thru XXXX in the amount of {$7600.00}. I was forced to open a venmo account to receive it. Venmo released {$4500.00} to me but then would release any more, and I needed {$5100.00} to pay for the vehicle replacement, which Id paid a {$600.00} deposit on. Over several days, phone calls, chats, and emails not once was I told to submit my ID or that my account was frozen for being in violation until yesterday. Upon receiving that I immediately submitted my ID. Today I received an email from XXXX thanking me for the ID but closing my account and keeping {$2900.00}. Im losing my car, half my insurance payout, {$60.00} @ deposit, and the final payout from my insurance company for failing to replace my vehicle within the 30 day timeline. Through no fault of my own. I have screenshots of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. NONE OF THIS Accurate.. 

CAPITAL ONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Typically the monthly payment is XXXX and we sent in XX/XX/XXXX amount XXXX for XXXX months in advance but Wells Fargo applied to Principal instead. We called but they did not want to reverse it. 

The strange thing was all advance we sent in XXXX, and XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX was reversed and applied to regular monthly payment no problem.

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 2023-01-09 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX. Act # 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

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 2023-01-09 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: NY

Complaint narrative:
I have the XXXX XXXX app. I have XXXX VISA card, originally at a XXXX} balance. I have paid $ XXXX XXXX religiously ever month. My balance is at XXXX now and Equifax lowered my score XXXX points, XXXX raised my score XXXX points. 
Equifax explained that my debt is less ( paying my card down ), so therefore my score goes down. 

I am truly being disciplined for getting out of debt. The system seems to be set up for me to keep a XXXX balance, pay the minimum and my score would go up, while the XXXX lender makes a ton of money from me. 

The system needs to be addressed and fixed. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have always been able to view my Equifax Credit Report online at Equifax.com ; however, I have not been able to view my credit report for over a month now. 

When I log into my Equifax Account, a pop-up window appears with the code " XXXX '' and tells me that my credit report and score are not available due to a technical error. The pop-up window also tells me to call XXXX and give the agent the code " XXXX. '' It appears that my credit report file is blank. 

I have called Equifax five ( 5 ) times and no one knows why this is happening. Sometimes, I get transferred to other Equifax agents and they can not fix the problem either. I have verified my identity in every way possible, and they even told me to change my password which I did, but none of this fixed the problem. I still can not see my credit report. 

The people at Equifax are not very good in solving problems and it has become frustrating calling them. They are very incompetent. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: P.S.C., Inc
State: WA

Complaint narrative:
In XXXX i entered into a consumer transaction with XXXX XXXX and it looks like now Puget Sound Collections has taken over the account. The big problem that i have is that i noticed this collection company pop up on my credit report, BUT i have never heard from them before and i don't know who it is. I don't know what the {$1800.00} charges are all for, what interest or fees are associated with that amount or anything. I was never given the right to dispute this account, and they haven't sent me any of the documents that i requested. I'm not refusing to pay but this account is inaccurate and never was properly validated for my consumer rights. I think Puget Sound is in violation of my consumer rights by illegally reporting this debt and hurting my credit and causing me stress. I sent them a letter over 30 days ago ( XX/XX/XXXX ) asking for ANY information that they had about this account and i'm being ignored. This is really messing me up.

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 2023-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

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 2023-01-09 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: IN

Complaint narrative:
15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX, Transunion, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report : XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief