vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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 the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in TRANSUNION, XXXX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  has violated my rights by reporting frivolous information on my credit report. I would like this account to be removed for the entirety of my credit file immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  has violated my rights by reporting fraudulent information on my credit report. I would like this account to be removed immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2022 I was at the register of my local JC Penny, located at XXXX XXXX XXXX XXXX Ma, when I was asked by a JC Penny associate to open a credit card in order to save 35 % off my purchase. I already had an online coupon for 25 % off my purchase when I asked if it was IN ADDITION to that coupon. I was informed by TWO associates working the counter that it would indeed be an additional percent off NOT one or the other. I then made a decision based on this information to go ahead with opening up a credit card. I gave all my information, ie salary, SS number etc. electronically through the register. Upon completing I was approved, and handed the receipt. I questioned the amount charged to the new credit card as it was not the math I had done in my head. The JCPenny associate called over the manager when I was informed that I could only use one discount hence the larger amount now charged to my card. I explained to the store manager the only reason I opened the account was for the discount and the opening of the credit card was under deceptive terms. There was no resolution to this mess as I now had to close a new card I didn't really want and never got the discount on merchandise as promised.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it. 

Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen. 
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer. 

Later I contacted BoA and they said they'd send me a check to return my {$9000.00}. 
I never got it. 

Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle. 
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''. 

How is it even legal to hold my money this way for almost half a year?

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 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Friday XXXX I deposited a check from an account owned by my partner, who is also the co-holder of this account, as we do on a regular basis all through mobile deposits. I went into my account and seen that the deposit had been put on hold then called the customer service number and was instructed to call the holds department on XXXX. On XXXX I called the hold department and was told by agent the hold was due to an image issue and she adv they verified the information but I would need to call back on Monday and as long as The funds have been received the bank would be able to release the funds. I called Monday XXXX I was told by the agent the funds were verified, they called my partner to verify information from the deposited check, and was put on hold for XXXX min and came back on and said they have tried to release the funds but the system wont allow them to and I'll just have to wait until XX/XX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. I would like the account to be removed from my credit report immediately. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting a fraudulent account as an individual charge-off. According to the FCRA, I would like the account to be removed from my credit report 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 explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

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 2022-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX Please investigate this account and remove if theres anything missing XXXX XXXXXXXX Please investigate this account and remove if theres anything missing XXXX XXXX XXXX Please investigate this account and remove if theres anything missing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my 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 2022-08-08 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: GA

Complaint narrative:
I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC
State: CA

Complaint narrative:
I got used car auto loan from Statefarm on XX/XX/XXXX of XXXX and I have been paying on time via auto payment and all of sudden they transferredmy loan to another entity name called XXXX XXXX and it turned out to be same company of Statefarm but they changed a different name of company on XXXX I don't know which month they changed because I was out of country at that time and when I came back to the state, I noticed that there was past due 30 days marked on my credit report and I called them and explainedmy situation and they said they sent a letter to my home but I haven't received any letter from them and I didn't receive any email or phone call include text message from them while I was out of country and I told them that I haven't received any notification and this is not fair because I never changed my contact information and my auto debit bank account but they said it's a different company so they don't have any control so they were not be able to help me on this case. After that, I logged into the Statefarm account and it's about the same platform and I did make a payment through the system. Basically same Statefarm but they did change a company or I don't really know what happened and what was the intention of doing this but this is totally unfair because I haven't received any notification of this and everything is the same never changed on my end and they did post 30 days past due on my credit without saying anything to me. Totally unfair behavior and not acceptable in this matter. That's the reason why I am reporting to you on this matter. The loan is paid off now because I don't want to use service from them but that 30 days past due mark still remains on my credit report so I would like to ask you to help me in this case. I never have missed any payment in my life including Credit cards and Loan entire my life. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: IL

Complaint narrative:
I submitted a previous complaint concerning a violation of my consumer rights per 15 USC 1681b ( a ) ( 2 ) ; as the company was unable to produce documents that state I gave written consent to report information concerning a XXXX XXXX account. Additionally, the information regarding the account is both inaccurate and incomplete which is also a violation according to15 USC 1681i ( A ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX my deposit was in my account for XXXX Ive talked to several of chime representatives I was told to send emails and also verify my my self with my photos Ive been calling about my money and keep getting the same response as to send them emails and that they cant verify me I answered they security question on my phone with them every time I call name number email last 5 settled transactions and my social security number still no response and no answers to to why Im not able to log in my chime app and as to where my money I was told that there was 3 transactions that I have no clue where it came from told them to stop payment and close my account they refuse to i keep recieving emails from chime saying my number has been updated also my number and name they giving me some fraudaulant email to use just to log in my chime app with somebody elses name email and they number and wants me to take a selfie of myself and my id to got them to verify myself with this person email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I had a fraudulent charge made at XXXX on XX/XX/XXXX at a XXXX. I was home with my card when the purchase was made. I called the XXXX and they told me a man was using a physical card that was flagged as fraudulent on the first swipe. The 2nd swipe manually over rode the flag. I filed a police report, turned my card off and filed a dispute. I sent chime XXXX XXXX Bank ) my location for the entire day from XXXX ( timeline/map ) showing I was home from XXXX to XXXX, footage of me at my house at the time of purchase, and the police report. They still are refusing to refund my money, claiming I " did not provide enough proof '' and that they had found it was not an error. Even though, I had proven I was home all day long and had not given whoever this person was my card or information. I have filed 4 rebuttles and they still will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On or about XX/XX/2021, I wrote a letter to Midland Credit Management asking them to stop calling me, and to stop calling my friends and family about a debt I do not owe them. I sent a letter to them at the following address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX. However, over the past several months, I have continued to receive abusive calls and letters from them demanding payment. This company has also contacted my daughter and her husband about me, which I know they should not do, even though I am elderly. Please tell them to stop harassing me about this debt I do not owe them. 

Thank you. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief