vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-04-13 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: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and 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 2023-04-13 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: EQUIFAX, INC.
State: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: AE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: FL

Complaint narrative:
I have requested my name and addresses to be fix over 4 times with the credit bureau XXXX and transunion. I have disputed by mail and Ive disputed by mail in writing I have one Name XXXX XXXX XXXX and one address XXXX XXXX XXXX XXXX Fl XXXX They have not removed all other names listed on my report And have not remove addresses I dont live at On XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX On Transuion XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl These address my Son resides at not me. 
They have names that I dont use in my credit report as well. This is a 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2023 I initiated an online external money transfer of {$200000.00} from a XXXX XXXX  account under the name of my trust to Synchrony Bank. I have documentation from XXXX that the transfer went through to XXXX XXXX. I have email documentation from Synchrony Bank on XX/XX/2023 that there was a pending transfer from XXXX of {$200000.00}, and the expected delivery date into my Synchrony account would be XX/XX/2023. 

On XXXX, XX/XX/2023 I received an email from Synchrony Bank stating that my XXXX account was temporarily suspended from using the funds transfer service. I personally went into XXXX XXXX  and spoke with XXXX XXXX, XXXX XXXX. She confirmed that the {$200000.00} had been sent to Synchrony Bank, and that it was not pending return to XXXX. I phoned Synchrony Bank at approximately XXXX XXXX while meeting with XXXX XXXX, and spoke with a representative who told me there was confusion with the transfer since it was originating from a trust account at XXXX. My Synchrony Bank account is under the same XXXX. She contacted a Synchrony Bank XXXX Supervisor named XXXX. He confirmed with her that the {$200000.00} transfer would be sent back to our XXXX account and would be at XXXX within 24-48 hours. 

As of today, XX/XX/2023, Synchrony Bank has not transferred the funds back to my XXXX account. This {$200000.00} is also not appearing in my Synchrony Bank account. These funds appear to be lost. 

I again phoned Synchrony Bank this morning, on XX/XX/2023 at XXXX XXXX., and the representative, XXXX, informed me that there was no one available who could help me with this missing {$200000.00} missing transfer. I left my phone number and asked for either XXXX or XXXX to call me back. 

It is absolutely unacceptable that Synchrony Bank can 'lose ' {$200000.00}, and not have anyone available to help locate these funds. Please help with a resolution. 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 2023-04-13 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: KS

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
This is now my THIRD complaint against Equifax regarding account XXXX. Equifax in their last response stated that they mailed me results of their investigation. The problem with this is I submitted new information in my last complaint. XXXX XXXX XXXX explained that the account was placed with " XXXX XXXX XXXX XXXX XX/XX/2018 because the account was past due and I spoke with them, XXXX XXXX XXXX XXXX this account. However Equifax is allowing this account to show that it was with XXXX from the time it was opened to close. IN addition the practices that XXXX and XXXX XXXX Used directly violates the FDCPA. In my last complaint I included the letter I received from XXXX explaining the account as well as the FDCPA and instead of Equifax looking at the information they gave me a generated automatic response. As a consumer I have the right to a credit report that is 100 % accurate. When a consumer submits a complaint the Company is supposed to look at all documentation in connection with the complaint and then make a decision. Equifax did not do that. Until now I have kept all of my complaints private in hopes that we can get this resolved but I see now that Equifax allow malpractice in handling complaints and disputes. This leads me to believe that they have done this to several people. So this complaint will now be public in an effort to encourage others not to be bullied by Equifax and when something is inaccurate on their Credit Profile the Bureaus have a duty to correct it. We all have the right to a Credit Report that is 100 % accurate and also have the right to dispute inaccurate information on our credit report according to the FCRA. I understand that disputes can be time consuming and may cost the Bureaus however it is their job and duty. I will be including the last complaint with this, along with the letter from XXXX admitting that they did not have the account and I spoke with a third party who also didn't honor their agreement thus violating the FDCPA which then means this account isn't verified. It is inaccurate and needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hello, Complaint against JPMorgan Chase bank, address XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX, doubt for helping scammers collect money and money laundering. 
One of my clients was scammed into paying to a scammer 's account in JP Morgan chase bankon date XXXX XXXX, and on date XXXX XXXX payment arrived on the fraud bank account, JP Morgan chase bank allow Open an account without formal company authorization, doubt without verifying the authenticity of the account company, then cause our customer lose USD XXXX. 

Just hope can help us to help our customer compensation for customer losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Capital one closed my account without giving any notice. According to them, the notice was sent to my address on file. However, I have a mail service that scans every mail. No mail was received. The notice was NOT found on my notice or statements online ( my account is setup as paperless ) either. When I requested a copy of the letter, they are not able to provide such notice. I lost XXXX points because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express National Bank is suing me and my wife business ( XXXX XXXX XXXX XXXX ) Claiming the Amt. of {$10000.00} XXXX used in a credit card in my name and i never asked for a business credit card and i also doesn't have a social security number. 
Now they are suing me and my wife business sending us to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: PA

Complaint narrative:
On XXXX XXXX XXXX  as the bank alleged, someone pretending to be me used my ATM card numbers and stole {$5400.00} from my checking account. I was hospitalized then ; I had no idea I was victimized. After realizing this crime, I discovered my phones and other credit instruments were compromised. I can cite Chase Bank ; they claimed that they did not know how the theft occurred on Saturday, XX/XX/XXXX, and again on Sunday, XX/XX/2023, and that they could not freeze or stop the ATM card. I was aghas and wholly devasted. I immediately went into the bank and spoke with my banker, XXXX, at the XXXX XXXX XXXX ; he told me they were not honest with me and that the theft resulted from skimming or ACH fraud. While I was with the Branch Manager, XXXX and XXXX finalized another account. The disputes department was speaking with a fraudster. I have a rare illness I pay for my co-pays. I moved to this bank and deposited {$50000.00}, and because of my race, I have discovered, as with all big banks XXXX depositors are victimized, and their money is skimmed off and never returned. This is systemic and deliberate. I will never do business with any large bank again. XXXX is a business in America. I never authorized any withdrawals from my account and if someone took my money it was due to fraud this bank is rude and XXXX They promise to return money stolen by fraud to everyone except XXXX XXXX women.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX 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 2023-04-13 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: Experian Information Solutions Inc.
State: MA

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX error_outline

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