vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried several times to address this with Care Credit most recently they wanted an XXXX  which I now have. The dispute was over the SPECIAL RULE FOR CREDIT CARD PURCHASES. The problem with the QUALITY of the service is that it was FRAUD. It was billed and sold as a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached XXXX  report notes XXXX XXXX XXXX  '' under XXXX and concludes in CONCLUSION " No significant interval change. '' That is to say the XXXX  from BEFORE the XXXX  and AFTER show no effect from the 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
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am writing to seek help from Bank of America regarding a claim on XX/XX/2023, that has been recently closed. 

On XX/XX/2023, I visited a Bank of America ATM located in XXXX XXXX, Texas ( XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit {$1500.00} into my bank account. After I inserted my money into the ATM, an error occurred, and it printed out a receipt showing only {$1000.00}, which was {$460.00} short. Unfortunately, the bank was closed at that time, so I immediately called the number provided on the receipt to file a claim. As a result, an associate provided me with a temporary credit of {$460.00}. 

On XX/XX/2023, a message regarding the claim was sent to my bank account. However, I did not notice it initially because the message did not appear in the mobile app ; it only became visible when I accessed Bank of America through a computer. The content of the message stated, " We found the transaction you referenced but were unable to locate any record of cash or additional cash being deposited at the ATM for {$460.00} between XX/XX/2023, and XX/XX/2023. '' On XX/XX/2023, a credit reversal of {$460.00} was applied to my bank account. It was only at this point that I checked the message through a computer and realized the message sent by Bank of America, indicating that the case is now closed. 


on XX/XX/XXXX, I called bank of America ad they reopen the claim, they said they will get back to me in 3 business days, then 2 days later, they called and said there will be someone call me in the next 7 business days. it is taking so long now, and that money is really important to me since I am a college student living on paychecks and trying to pay my tuition. 
Claim ID : 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 monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have tried speaking with supervisors nobody never comes to the phone to answer. I also called today XX/XX/2023 requesting proof of validation of the alleged debt they failed to give me the information claiming they can't because it's against policy. I have a right to privacy 15 USC 1681 a number 3 you guys assumed this role without my permission, you also did not have my consent. I feel Experian was unfair and partial, you did not exercise your grave responsibility. I am now demanding that Experian delete this account. I have also filed a complaint with the attorney general. Also I filed a ftc report against the company.

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 2023-09-15 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: TX

Complaint narrative:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law.

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights.

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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
Consumer complaint received 2023-09-15 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: TX

Complaint narrative:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX son has been making some poor choices including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am on a XXXX  XXXX XXXX account with my son at Chase where I see the bank is allowing him to use his XXXX XXXX debit card at XXXX XXXX Chases XXXX XXXX checking account is for students XXXX years old. 
On XX/XX/2023 I emailed XXXX XXXX XXXX XXXX to investigate illegal sales to a minor. Their response indicated I needed the full address of the merchant which was not evident in the transaction details. 
On XX/XX/2023 and XX/XX/2023 I called Chase to get more information on these transactions, I was told XXXX XXXX checking accounts dont have restrictions on where they may be used and that they could not provide the address of the merchant. 
On XX/XX/2023 I emailed Chase XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). On XX/XX/2023 I emailed Chase XXXX XXXX. On XX/XX/2023 I contacted Chase through XXXX where I was told the issue was referred to the Executive Office.

Chase has not gotten back to me and their irresponsibility around corporate citizenship and protecting our youth needs to be evaluated. I would like your help or direction in seeing that that is accomplished as well as resolving this issue which is perpetuating the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I began using the XXXX XXXX XXXX XXXX  about XXXX months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my Experian or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within XXXX months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that XXXX might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with XXXX, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.

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 2023-09-15 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: DE

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 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 2023-09-15 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: TX

Complaint narrative:
I have noticed that there are several unauthorized inquiries and accounts from your company on my credit report. I have not authorized any of these inquiries, and they were not made for any permissible purpose. According to the FCRA, any inquiry made on my credit report must have a permissible purpose, and I have the right to know the purpose of each inquiry.

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 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SECURITY FINANCE CORP
State: WI

Complaint narrative:
On XX/XX/XXXX I checked my credit report on XXXX and seen that I had a open loan for the amount of {$1300.00} from Security Finance Corporation with a monthly payment of {$150.00} a month. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called Security Finance Corporation and was transferred to XXXX to do a fraud dispute. XXXX informed me that Security Finance Corporation purchased my information from XXXX and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at Security Finance Corporation at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis continues to report an alleged bankruptcy with no validation of the alleged bankruptcy. I called the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and spoke to the clerk of court who stated the court does not release court filing to any third party unless they are a party to the case or legal counsel. 

LexisNexis is not a party to this filing nor a legal firm or entity therefore there is no way LexisNexis can validate this alleged bankruptcy under FCRA.

I have repeatedly asked for verification records on who exactly provided this alleged bankruptcy to LexisNexis so I may follow up with that person. LexisNexis has provided no evidence of said bankruptcy records and continue to furnish this inaccurate information to the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
THE BANK SAYS THAT I DEPOSITED A CHECK FOR A LARGE AMOUNT HOWEVER THE AMOUNT IS NOT MINE AND I DID NOT AUTHORIZE THE CHECK TO BE CASHED OR ANYTHING. I ASKED FOR THE BANK TO MATCH MY SIGNATURE HOWEVER THEY WOULD NOT MATCH IT AND STILL SHOWS THAT I OWE THAT AMOUNT. 
I DID NOT AUTHORIZE THE AMOUNT OF THE CHECK. PLEASE HAVE THIS REMOVED FROM MY CREDIT TO BE ABLE TO OPEN MY CHECKING ACCOUNT..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report and two forms of id to verify my identity, I am requesting that those charges be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: DE

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 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 2023-09-15 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: DE

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-09-15 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: LA

Complaint narrative:
I kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I checked my credit report on XXXX and it reported that I have an open, current loan from XXXX XXXX XXXX in the amount of {$1300.00} with $ XXXX  monthly payments. I have no idea about a loan and I never did an application for a loan or received any money. On XX/XX/XXXX I called XXXX XXXX XXXX and was transferred to XXXX to do a fraud dispute. XXXX informed me that XXXX XXXX XXXX purchased my information from Equifax and sent me a check in the mail. I informed her that I never authorized any form of a loan nor did I receive a check. I asked her if this was illegal and she said it is not. XXXX said the next steps was for her to send me an affidavit and have me sign it and get it notarized at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and then they would investigate the situation. XXXX told me she would call me back in 2 days from XX/XX/XXXX when the affidavit was ready for me to come and sign at their XXXX office location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I keep getting calls saying I owe {$630.00} but wont tell me what for. And now my credit score has lowered tremendously.

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