vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX there was an Amazon Store Credit Card opened in my name that had made a purchase of {$560.00} to an address that was near me but not my home. On XX/XX/XXXX there was another purchase made with the same card to a different state with the purchase of {$970.00}. 

I had called amazon asking telling them I had no knowledge of these transactions or these cards. They simply returned the money and ask that I call again if there where any issues. Amazon gave me no advice or information on what might happen to the account or card. 

I then received the card in the mail. I then called the number on the back of the card asking if I could close the account or freeze it, as I had no knowledge of how this account was made or how. They simply did the same thing ( refunded the money ) and asked me to call the bank associated with the card. I could no get a hold of the bank because I needed the Account number associated with the card in order to start asking questions about it. 

I then Printed My Credit Report to check if any other cards had been opened under my name and address.

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, XXXX company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.XXXX XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with XXXX was initiated almost a year ago approximately. I spoke to XXXX XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact XXXX company 's bank, Frost bank for additional information. I did reach XXXX XXXX ( relationship XXXX at frost bank ) I again explained the situation and was advised that now XXXX XXXX XXXXXXXX  ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from frost bank or XXXX XXXX XXXX I have maintained communication with both frost bank and XXXX company throughout this process via email and telephone calls leaving voicemails and never hearing back. XXXX company contact number XXXX Frost bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont have information for the XXXX XXXX loss preventention department. I am not an account holder with Frost Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

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 2022-11-15 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In XXXX of 2022 I started a dispute with XXXX XXXX to let them know they were not reporting the correct information on my credit report file regarding my bankruptcies. They reported back that the information was accurate back in XXXX. I then filed another dispute in XXXX and also included letters from the XXXX bankruptcy XXXX and also XXXX. I have since been told that my account is still under review with no updates. Only being told that someone will give me a call, or I'm placed on hold for over an hour with no help. I have letters from the companies stating that they do not give out personal information so I'm trying to figure out what's the hold up with updating my account. I know I'm past the XXXX day wait time so I'm looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a flight through this credit cards travel program for a flight on XX/XX/22, the airline never issued my boarding pass. I called chase to try to resolve at the airport but they couldnt get in touch with the airline. Post then, I have called Chase ( the credit card issuer ) to dispute this transaction since I never received the service. I have called Chase between 8-12 times over the course of almost 3 months and never receive an answer or resolution. I was never issued any credits or refund around this ; and have been told numerous times that someone will follow up on the case but no one has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: NY

Complaint narrative:
Dear Sir/Madam, Someone on my behalf send inquires to open credit cards, and even opened some credit cards, thus I would like to remove them from my credit history. Such as : XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
This account is to be remove do you its inaccurate information. This account was already removed from XXXX credit reporting agencies due to its lack of correctness! So this agency is still committing illegal activity against a consumer that do not owe a debt to ( CREDIT CONTROL CORPORATION ) Neither do I have a contract with XXXX XXXX XXXX XXXXXXXX this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: SC

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. 

XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2022-11-15 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: SC

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. 

XXXX : # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 2022-11-15 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: TX

Complaint narrative:
In accordance with fair credit reporting act XXXX  accounts bellow .XXXX XXXX XXXXXXXX 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 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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Synovus Bank
State: AL

Complaint narrative:
XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$140.00} ( XXXX XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$170.00} ( XXXX ) I called XXXX to all XXXX XXXX XXXX about a double billing issue. The person said they were a customer service representative for XXXX XXXX XXXX and would give refund. 

The person was able to hack into my bank account and quickly did the above transactions using XXXX. I did not authorize any of them and IMMEDIATELY hung up and went to my bank branch and reported the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Berman & Rabin, P.A.
State: MI

Complaint narrative:
This debt was a business loan that was claimed to be forgiven by management it was then paid off through a personal loan and is no longer a valid debt. 


Called me more than XXXX times within XXXX consecutive days, Harassed me through XXXX  and/or XXXX, Called me to collect payment without clearly identifying themselves as debt XXXX, Contacted me even after I requested for them not to in writing. Debt amount : {$19000.00} Company : Berman & Rabin PA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.

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 2022-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
was on covid forebearance for my mortgage. it ended on XX/XX/XXXX XXXX by XX/XX/2022 i was told my house was in foreclosure for lack of payment. was never called or giving any indication this would happen. by law midland mortgage has got to inform you of options before they proceed with a foreclosure and give options for getting back on track. they did none of this. I've been in communication with Midland on the XXXX of XXXX to try to rectify this situation but was told by another company that has been calling me that Midland has set up a short sale of my home on XX/XX/XXXX XXXX if that's not unfair practices then i dont know what is

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 2022-11-15 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with AD ASTRA RECOVERY SERV. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that AD ASTRA RECOVERY SERV received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Special Financing Company, LLC
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX to sign up for their program. I was mislead and lied to on many occasions. Even when I tried to cancel before they pretended to start working I receive a called for the XXXX stating we will get it done. This company caused my XXXX XXXX to drop tremendously by sending in incorrect information had a wrong date of birth added that I had to get corrected. Even after I asked them to stop sending their so -called dispute letters in they wouldnt stop insisted they will keep trying. Fortress teamed up with Special Financing LLC this fraudulent company and they are telling me I still have to pay for amount that was financed even though they didnt do any work on my behalf. They made it difficult me to even apply for anything each credit bureau put fraudulent red flags on my credit file and it took me months to get that straightened out. The XXXX of XXXX XXXX XXXX stated she would contact Special Financing LLC so they would zero my account out and I wouldnt receive a bill. Today XX/XX/2022 I received a statement saying I owe Special Financing LLC. I am tired of these people harassing me. I will be getting into with an attorney this evening because I am tired these XXXX scammers. I would like for the FBI to investigate them up and down. And review all their fraudulent agreements and contracts. I am a veteran and I will be seeking guidance from the XXXX XXXX as well. This makes no sense at all trying to take money from individual when youre not performing the services that you guarantee. Where are your human morals people

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
There are unauthorized businesses on 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 2022-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-11-15 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 — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am requesting to have IC System Collections {$70.00} and XXXX XXXX {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These two accounts are affecting my credit score. I have written to bother agencies and didn't get a response from either account. Both may be medical. I repeat these are not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation