vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Received XXXX Credit card statement with bill close date XX/XX/XXXX. With return and payment all amount due on that bill was paid before due date of XX/XX/XXXX. New bill came in with closing date of XX/XX/XXXX which included a purchase on XX/XX/XXXX ( after the XX/XX/XXXX closing date ), Was charged a XXXX late fee for the purchase that was made after the XX/XX/XXXX closing date of the previous bill. Called and complained and they said would do me a one time favor of deleting the late fee. Called a second time and they still believe it was correct and would not understand how it could be late if you only billed me on the XX/XX/XXXX bill and the previous bill was paid in full. 
In all my years experience with store, bank credit cards this is never done and I believe XXXX Department store is doing something that is illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection by resurgent receivables been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX  Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-27 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
Target is claiming to have sent proof of debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. Please stop calling my phone and instead send me all the information you are requesting in writing to address above. I am requesting the following to be sent to my address above : Original debt contract with my signature Proof of Debt assignment All legal binding contracts Payment history Name and address of original creditor I am requesting this to be sent immediately or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS In response to my complaint, all I received was a statement, and according to their credit back, reporting, I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report. 

15 US C 1681 section 604 A 15 US code 5 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: MO

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-27 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: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection by XXXX XXXX been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

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 2023-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection by XXXX XXXX been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

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 2023-07-27 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: NJ

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.

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 2023-07-27 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: NJ

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.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-27 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2023-07-27 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About XXXX  months ago i believe it was XX/XX/ I deposited a check for the amount of {$2700.00} on the outside atm, the check was under my moms name but we unfortunately both forgot to sign the back which caused my account to be restricted after calling the bank to figure out what had happened they informed me that due to the check not being signed the account had to be restricted while they figured something out, after 10 days of not having access to my account they closed it, I got a check of XXXX mailed which I had on my savings but not the {$2700.00} I physically went in person to see how to get that money back they told me the only way to get it back was having the maker, the person whos name is on the check and owner of account which was me there we physically all went XXXX  times in separate occasions, I went in multi times myself I even went to the main branch where they had me go just to tell me I cant get the check back because my moms number isnt verified we dont understand why if she has an account t with her phone carrier and its under her name but thats aside the point Im now finding out that because her phone cant be verify we cant get OUR money back. This has been a big inconvenience they want to make it seem like we did fraud for forgetting to sign the back but right now chase is doing fraud for trying to keep something that doesnt belong to them. Chase ignores us we have spoken to about XXXX different employees including the executives and until now we are still being ignored and they are still keeping something that doesnt belong to them. I have called multiple times the number I was provided with and every time I ask for the lady Im charge of my case she is never there and always busy I leave messages to have her call me back she has not once called me back but through other employees we are being told she has called in various occasions which is a lie she has not even tried to reach out to me and always has other employees tell me shes away from her desk. When does this lady actually work because it seems like she doesnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
At first, I applied for AMEX Blue Cash Card and got it approved. After a year, it was upgraded to BLUE Cash Preferred Card.

Later on, I put up the request for closure of BLUE Cash Preferred Card. I cleared all my dues which is confirmed by custermer care and account was closed. 
After two months of closure, AMex raised a charge of {$150.00} on my closed account, stating that " The reversal of charges of promotional reward ''. 

I enquired them from time again and again and told that the promo offer was never given to me, it was just simple upgradation. 

After 3 months, they finally lodged the dispute charge with reference no XXXX. It was attended by their staff name XXXX XXXX with employee id XXXX. But the case was never resolved. 

In the mean time, AMEX started applying the late payment fee and interest charges. Though I explained them my case and they agreed also that the mistake was at their part. I have never defaulted any payment, still they have spoiled my Credit History. 

On enquiry, I was advised that my case now has been transfered to XXXX XXXX XXXX with case no XXXX. Its been more than 1 month, my case remains unresolved. 

Due to all this, my another card " AMEX Delta Gold card '' has also been suspened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NY

Complaint narrative:
There were fraudulent inquiries were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
You XXXX XXXX  have furnished inaccurate information to a Consumer reporting Agency/ChexSystems The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood.

15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION PROHIBTION Reporting information with actual knowledge of errors 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.

DUTY : A moral or legal obligation ; a responsibility.

ACCURATE : Correct in all details, exact. 

PROHIBITION : A law or regulation forbidding something As Defined by the IRS. 

According to this law on XX/XX/2019 - XX/XX/2019 you furnished inaccurate information to a third party who had no part of this credit transaction ( 15 USC 1605 ).

Without permissible purpose.

In addition to this violation you have also violated my privacy right of consumer law ( 15 USC 6801,6802, and 6803 ).

15 U.S.C 1681s-2 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- The persons been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and The information is, in fact inaccurate. 

I XXXX XXXX opened up a business account with XXXX XXXX. You, XXXX XXXX, chose to open up a report with Chexsystems Report on an individual associated with the account, such as the LLCs authorized signer or the sole proprietor. Because the report is ordered on me the individual and the report meets the definition of a consumer report under the FCRA, the FCRA would apply. 

In conclusion I have shown that you have been put on notice and that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 U.S.C 1681s-2 of your responsibility as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous, inaccurate account from my consumer 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 2023-07-27 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: MO

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
The bank closed my account without my permission!! I needed the funds and had set up electronic transfers. My bank account needs to be reopened. I also asked 24 months of statements on my account, and never was provided.

Company response to consumer: Closed with explanation