vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NE

Complaint narrative:
I XXXX out my Discover card in XXXX XXXX and then accepted their zero % interest for 12 month balance transfer offer. 
XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - Interest charged XXXX cents XX/XX/XXXX - " Minimum '' Interest charged XXXX cents That is not the zero % balance transfer offer I accepted. I realize it's a small amount, but it's not right to charge interest, even " minimum '' interest on a zero percent balance transfer offer. 

I paid {$160.00} for that balance transfer offer of 0 % and to be charged interest on that transaction is deceptive and shows me they're double-dipping. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
SYNC B and XXXX XXXX  Did not authorize with me to run credit checks or reports on my behalf.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX, a XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX  records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: LA

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 with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2024-03-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, 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 payment on a credit card account under an open end consumer credit plan as late for and 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
Consumer complaint received 2024-03-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In 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 payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both TransUnion and XXXX that I am part of the Transunion and XXXX data breach.

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 2024-03-15 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
in violation of the privacy act in 1974 XXXX is violating my privacy by reporting an account listed in the name of TRANSWORLD SYSTEMS INC. I've tried to contact this company requesting an original contract between me and TRANSWORLD SYSTEMS INC, and the original contract between XXXX and TRANSWORLD SYSTEMS INC of this alleged debt that they are saying i owe them. As well as the transfer of ownership. They are reporting this on my report inaccurately in which is causing me to be denied things based on this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT NUMBER : XXXX SUBJECT : NOTICE OF DISPUTE, DEBT VALIDATION AND DEMAND DOCUMENTATION DEAR XXXX XXXX XXXX, I AM DISPUTING BOTH THE VALIDITY OF THE ALLEGED DEBT AND THE VALIDITY OF YOUR CLAIMS. PLEASE BE AWARE THAT INFORMATION I RECEIVE FROM YOU WILL BE COLLECTED AS EVIDENCE SHOULD ANY FURTHER ACTION BE NECESSARY. PLEASE ALSO BE ADVISED THAT NON-COMPLIANCE WITH MY DEMANDS COULD PUT YOUR COMPANY IN LEGAL TROUBLE. 

ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692G, I HAVE THE RIGHT TO REQUEST VALIDATION OF THE ALLEGED DEBT OR COMPETENT EVIDENCE THAT BEARS MY SIGNATURE AND SHOWS I HAVE SOME CONTRACTUAL OBLIGATION TO PAY YOUR COMPANY. 

I HEREBY DEMAND THAT YOUR COMPANY PROVIDE ME UNDER PENALTIES OF PERJURY WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE ALLEGED DEBT : 1. PLEASE PROVIDE A VERIFIED COPY BOTH FRONT AND BACK OF THE ALLEGED ORIGINAL CONTRACT / AGREEMENT / PROMISSORY NOTE IN ITS ENTIRETY, INCLUDING ANY APPLICATION, ACCOMPANIED BY A COMMERCIAL AFFIDAVIT, SWORN TO BE TRUE, CORRECT AND COMPLETE, UPON THE COMMERCIAL LIABILITY OF A PROPERTY IDENTIFIED AND AUTHORIZED OFFICER, EMPLOYEE OR AGENT OF THE ALLEGED CREDITOR WHO STATES THAT HE/SHE HAS PERSONAL FIRST-HAND KNOWLEDGE THAT SAID FRONT AND BACK VERIFIED COPY IS THAT OF THE ORIGINAL ALLEGED CONTRACT/ AGREEMENT/ PROMISSORY NOTE.

2. THE AMOUNT OF THE ALLEGED DEBT ; 3. THE NAME OF THE CREDITOR TO WHOM THE DEBT IS OWED ; 4. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR.

PURSUANT TO 28 USC 1746, I HEREBY DECLARE UNDER PENALTIES OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT. 

EXECUTED ON : XX/XX/2024 BY : XXXX XXXX NOTIFICATION IS COMPLETE UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Violation of Debt Collection Laws and Assertion of False Debt Claim Dear Sir/Madam, I am writing to file a formal complaint against Hunter Warfield for violations of the Rosenthal Fair Debt Collection Practices Act, the federal Fair Debt Collection Practices Act, and under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Additionally, I assert that the debt claimed by your agency is erroneous, and I do not owe the alleged amount. 

On [ date of first contact ], I was contacted by Hunter Warfield regarding a debt allegedly owed for XXXX XXXX XXXX. However, I want to clarify that I dispute the validity of this debt and assert that I do not owe the amount claimed by your agency. Despite my assertions, your representatives persisted in their collection attempts, thereby violating my rights under both state and federal law, as well as the regulations enforced by the CFPB. 

During our interactions, I observed several instances where your representatives disregarded the rights afforded to me, including : XXXX. Contact outside of permitted hours : Your representatives contacted me outside of the permissible hours as outlined in the Rosenthal Fair Debt Collection Practices Act, specifically before XXXX XXXX. and after XXXX XXXX. 
XXXX. Use of harassing language and threats : Your representatives used threatening language and implied consequences of violence or arrest, which is prohibited under both state and federal law. 
XXXX. Improper communication with third parties : Your agency attempted to contact third parties regarding my debt, violating my privacy rights under the law. 

Furthermore, I hereby request the following information as per my rights under the applicable laws and regulations : Documentation proving Hunter Warfields authorization to collect the debt. 
An itemized breakdown of the debt balance, including any interest charges and additional fees. 
The original creditors name, account number, and other relevant information. 
A copy of any contract or agreement pertaining to the alleged debt. 
I demand that Hunter Warfield ceases all collection activities until these violations are addressed and the requested information is provided. Failure to comply with these demands will result in further legal action. 

Please respond to this complaint within [ specify a reasonable timeframe ] to rectify these violations, provide the requested information, and cease collection efforts on the disputed debt. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX  Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023

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