vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I've attempted to make online payments for my Ann Taylor credit card for several months and I'm unable to do so : - I've forgotten my password and when I attempt to reset it through the website, I receive an error message " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' -When I attempted to contact the customer service phone number, I was informed that I would be charged {$5.00} to speak with a live representative. I ended the call. 
- The website offers a way to pay without signing into my account through XXXX where I simply enter my credit card number, my zip code, and my social security number. When I enter this information I receive an error page : This page can not be displayed. We're sorry. This page does not exist or can not be found. Tap or click the " Back '' button to return to the previous page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: UT

Complaint narrative:
I am making this complaint myself as a human being not a third party please dont close this complaint. The credit reporting agencies failed to do their ob and remove identity theft from my credit report. i sent in an ftc report my id a letter explaining what happened and what to do but they didnt do anything.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Greetings My name is XXXX XXXX and I am a professional XXXX XXXX XXXX XXXXXXXX and XXXX XXXX licensed cab-driver. I applied for the SBA EIDL in 2020 and was approved for a loan for the amount of {$9000.00} dollars. My funds were disbursed into my Chase Bank personal checking account in XXXX of XXXX. However, I was denied access to those funds because a Chase Bank representative stated that " I was not entitled to that money ''. Essentially since I am not a business owner, I was denied access to my EIDL funds and my bank account was closed. Chase Bank provided me with a check of the amount of money that was in my checking account but not of the SBA loan. 

Ever since then I have done everything in my power to retrieve those funds. I have called Chase Bank and have visited different branches in order for me to retrieve these funds. Chase Bank representatives keep stating that they sent the funds back to the SBA. However I call the SBA, I keep being told that they never received the funds from Chase Bank. There is too much of a run around when it comes to getting answers and this is my last resort. 

I find all of this to be unfair because my business suffered economic hardships due to the lockdown. All I am trying to do is know the status of my funds and if I will have access to my funds. 

I am being asked to make payments toward my EIDL funds that were never received or used by me. I kindly ask that I be assisted with the following issues : 1. I want to know whether or not the SBA or Chase Bank has my funds.

2. If there is a way for me to retrieve this money 3. Finally, if I do not receive these funds anytime soon, if I can be forgiven for this loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In XX/XX/2022 I purchased 2 XXXX XXXX from Amazon, using my Amazon credit card through Synchrony Bank. These devices with tax came to {$240.00} each. Shortly afterward, I decided to return the entire purchase. I contacted Amazon and they agreed to accept the return and sent me 2 prepaid shipping labels, one for each XXXX. I promptly returned both and have shipping confirmations that Amazon received them. However, Amazon only refunded my account for one ( XXXX ). After several attempts to get Amazon to correct this, during which they agreed they would, yet they never issued the remainder of the credit, I initiated a dispute with Synchrony. After investigating, Synchrony resolved the dispute in my favor and credited my account for the second XXXX ( XXXX ). However, several weeks later Synchrony reversed this credit. The letter they sent explaining the reversal stated that they saw the original credit Amazon had issued in the same amount ( which was for the first XXXX ), they thought I had been credited twice so they were reversing it. I subsequently disputed this again, and on XX/XX/XXXX they sent me a letter acknowledging this new dispute. As of today, XX/XX/XXXX, they still have not resolved this dispute. When I contact their customer service representatives they always seek to delay the issue. Today they told me they have 60 more days to investigate the matter. This should be resolved by now, and they still owe me {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 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: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
In XXXX, XXXX, XXXX, a company I pay to monitor my credit notified me that a credit inquiry was made by XXXX XXXX. My XXXX Representative immediately contacted XXXX XXXX on a 3-way call with me and we were assured a credit account would not be opened. In XXXX, I started being harassed with letters and phone calls from XXXX XXXX stating that my account was past due. I also saw that my credit score dropped from over XXXX to under XXXX. I called XXXX on XX/XX/XXXX at XXXX and they assured me they would open an investigation. I called again on XX/XX/XXXX and was told the same thing. I heard nothing back and later received a collection call from XXXX. I told them my situation and they assured me that an investigation would be opened. Still, nothing was done. I sent an email to XXXX and received a return email with Reference ID # : XXXX assigned to the case and they stated they would open an investigation. As of today, this delinquency is being reported on my credit report and I can not open other accounts due to my poor credit score.

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 2023-04-05 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: SC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-05 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:
I have reached out to Experian, XXXX, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

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 2023-04-05 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: MD

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  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX  XXXX -- Account number # XXXX XXXX-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX XXXX XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am emailing regarding the NJ Sales Tax I paid for the Vehicle upon registration at the NJDMV. The vehicle was stolen on XX/XX/2023, and I have recently had XXXX ( Vehicle Insurance ) process the settlement for the total theft. The settlement of the vehicle was for approximately XXXX + XXXX of ( sales tax ) = XXXX. 

Unfortunately, XXXX ( my insurance ) paid the entire amount to ALLY Financial Services ( LESSOR ) the entire value of the car XXXX which the LESSOR is entitled to and the sales tax of approximately XXXX. I requested from both parties that the sales tax owed to me should be {$3100.00} as I paid the portion of the tax to the NJDMV. Both parties denied they owed me any value of the tax and simply advised that the other party should rectify the situation. 

I am attaching the proof of the sale tax paid that I paid to NJ last year for the 39 months of the lease.

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 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XXXX shares of XXXX were stolen via XXXX network at XXXX XXXX MST on XX/XX/2023 to unknown digital wallet XXXX The Coinbase account was locked immediately. 

Coinbase was phoned immediately. The account was verified over the phone. Instructions were given to immediately liquidate the remaining account value and return to verified funding source. Coinbase has not honored the request. 

Report filed to FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This company is reporting inaccurate information according to the FCRA are reporting must be 100 % accurate, 100 % verifiable, 100 % complete. This company is reporting account as a Collection, but also an open account which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone tried to purchase a car loan in my name and it was not me.they tried over ten dealerships, banks, and financial institutions all was not authorized by me. All have hard inquiries that have affected my credit in a negative way.

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 2023-04-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, XXXX/Equifax/XXXX  have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry Portfolio Service is reporting an account placed for collection on my Credit Report for the last 5 years, 11 months. I have attempted to call Cavalry Recovery with no success. I have disputed the account through the credit bureaus as well, they are not working with them to verfiy the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: OH

Complaint narrative:
I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according .I have attempted several times to correct this in accurate reporting and this company has failed to do so which is a violation of my consumer rights. I am entitled to an accurate report according to the FCRA everything must be 100 % accurate 100 % verifiable and 100 % complete. Pursuant to 15 USC 1681i ( 7 ) I have requested the description of procedure and have not been provided this information

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 2023-04-05 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: MD

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 XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXXAccount number # XXXX XXXX  XXXX -- Account number # XXXX FINGERHUT-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXXAccount number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXXXXXX XXXX XXXX-account number # XXXX XXXX XXXX XXXX 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 2023-04-05 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: MD

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 XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX XXXX -- Account number # XXXX XXXXAccount number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer report agency can not furnish an account without my written instructions. Under 15USC 's 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.

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