vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello there, I initially sent this message with a previous report but XXXX responded and let me know that their issuing bank XXXXXXXX XXXX is the one reporting to the credit bureau. 
A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 XXXX XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on Transunion and XXXX. 
I lost XXXX points on XXXX and Transunion but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since XXXX XXXX is completely incompetent and has refused to do their job. 
My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
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 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NC

Complaint narrative:
After numerous attempts to be transparent with the collection agency about the theft of my identity and the proof to support my claims they remain in violation of the original contract that I created once I was aware f this fraud on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 1XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX USA 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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The perpetrator ( an online conversation, false persona whom I agreed to meet in person ) used my phone-to-face identity to get into my Chase College Checking Account . He stole/transferred {$500.00} and initiated a wire of {$5000.00}. I was able to escape after a few hours and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following morning, XX/XX/XXXX  I was at the bank with my mother as soon as the bank opened up. They were successful at stopping the {$5000.00} wire transfer. On the matter of the {$500.00} it has not been returned to my account as they are refusing it. I have provided the bank police reports and have had to relive the nightmare and tell the story to at least five or six different Chase  representatives who kick the can to someone else or just say they won't give me the money back. I am a XXXX XXXX XXXX  who has targeted by a really bad person and I don't have it in me to keep going around in circles with a bank that is not abiding by the law regarding fraudulent charges made under duress -- Regulation E unauthorized transfer where consumer has been induced by force.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One Accounts # XXXX & # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Opened XX/XX/2023 for the amount of XXXX dollars as soon as I found out about it I contacted the company and asked them to close it and have it removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello there, I initially sent this message with a previous report but PayPal responded and let me know that their issuing bank Synchrony Bank is the one reporting to the credit bureau. 
A little back story, I opened my PayPal Mastercard credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 Synchrony Bank/PayPal reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX. 
I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. Today XX/XX/ they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX XXXX XXXX XXXX  Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since Synchrony bank/PayPal is completely incompetent and has refused to do their job. 
My XXXX XXXX XXXX  scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this.

Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I applied for the federal student loan forgiveness program and was initially approved, only to later have the program denied in court. Nelnet, my loan servicer, informed me that the US Department of Education had supposedly issued a {$20000.00} check to offset the negative balance in my account resulting from the canceled program. However, I never received this check, and my attempts to resolve the matter with Nelnet have been limited, with only one phone conversation in early 2023 where they explained the {$20000.00} balance I am now expected to pay. This discrepancy has left me in financial uncertainty and frustration, prompting my complaint to the CFPB to seek a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A claim was filed on my Chase ATM/Debit card for the amount if {$730.00} from XXXX XXXX XXXX XXXX , posting date of XXXX. I attempted to provide XXXX tracking information showing a scribble forged signature from XXXX, however, I do not have access to a fax machine, I am attempting to provide the information here via an image of tracking info with forged signature. Further, XXXX has closed their investigation in re, claiming I received package, ID supposesly shown..The package was delivered to a XXXX  location at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, this is a drop off point. When I visited location at around XXXX XXXX on XX/XX/12, I was told package is not there, I did not show ID at any point. Further, the scribble is not how I sign my name. Unfortunately, XXXX closed claim, it appears package intercepted by a third party at location. I requested copy of ID supposedly shown, however, nothing provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
Square point of sales illegally withheld funds from my company and refused to correct issue after I verified for the debit card and all accounts nor had a dispute or fraud and lied while avoiding the issue I was forced to refund the money and are refusing to deactivate account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello There, I tried reaching out to XXXX regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, XXXX placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time XXXX did not reach out to me regarding my account they continued to let the days accumulate. XXXX has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. XXXX continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.

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 2023-09-23 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am contacting you because my CB Indigo/GF which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my XXXX credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a late payment on my report from XXXX 2021. Late payments should be removed after 24 months and it's been 25 months

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 2023-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
US AUTO SALES went out of business recently. Without my knowledge or consent they refinanced my car and gave my loan to a different party. They edited my credit information and said Ive only paid on my loan since XXXX of this year XXXX. I first got the car in XXXX of last year XXXX. Due to the company filing bankruptcy the property is legally mine, but they are making me pay their debt to a debt collection agency, Westlake Portfolio Management. Earlier this month, they double charged my credit for the vehicle making my auto loan XXXX. They then closed my original loan with US Auto Sales with my payment history and transferred it into debt collections. I was informed by Westlake Portfolio that there is nothing I can do and just pay it or they will repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In early XXXX, I discovered an unfamiliar Home Depot credit card listed on my credit report, despite never having applied for it. I promptly reached out to their customer service to report this as a fraudulent account. Approximately two weeks later, I received a credit card application letter from Home Depot, even though I had already closed the fraudulent account. They assured me they would investigate the matter and provide me with the results in the letter. 

Moving forward to the beginning of XXXX, I received a bill from Home Depot 's credit card department, indicating that it was overdue and subject to interest charges. Despite my numerous attempts to contact the Home Depot credit card department and sending all the support documents to them since XXXX, the issue remained unresolved. 

Now, as XXXX began, I find myself in the same predicament, having received yet another bill and still awaiting any form of response or resolution from Home Depot 's credit card department, and the interest goes higher.

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