vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2023 I applied for a XXXX XXXX Credit Card. The Security Questions to verify my Identity were XXXX XXXX XXXX and no longer applied, or my family 's last name had 1 letter ( C ) missing on all questions. 
I checked with TransUnion and found them responsible for not updating and correcting family history, property ownership, and deaths in the family ... and proper spelling of our last name. 
The security questions on the recent credit card application were almost foreign to me, and today TransUnion expected me to remember my cell phone number from another state from over 10 or 12 years ago. 
These are NOT direct yes or no questions having to do with our current timeline. 
It had been way over a Decade and impossible to answer. 
They were outsourcing from XXXX. 
ISNT THAT WHERE INFORMATION WARFARE STARTED? 
SO, I AM BLOCKED FROM UPDATING MY TO MY CURRENT ADDRESS ... BECAUSE MY AUNT IS DEAD NOW AND SHE SOLD HER PROPERTY WHEN SHE AND HER HUSBAND MOVED INTO A REALLY SWANKY RETIREMENT COMMUNITY. 
So, I can't apply for anything that uses TransUnion because the are from XXXX. 
This is Insane!

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account, ending in ( XXXX ) was compromised, whereas someone disputed my valid transactions & I disputed the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudently! However, there was a XXXX transaction, that obviously wasnt disputed, by CitiBank, as fraud, considering it wasnt handled, like the other transactions. I pleaded with Citi, via phone/email/internet/fax, to correct this, but they would not! The transaction should have been reversed, as there should be nothing, for me to provide, considering the initial dispute, that was disputed, by me, was FRAUDULENT! One of your staff members handled this, as a regular dispute, though it was fraudulent! Please fix this, as my account is closed, with a negative balance of {$2700.00}! I would appreciate it, if my account were reopened, as it should have never been closed, Also, Id like to be compensated, for damages, as this caused a trickling effect of derogatory situations, for my children & me! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX is reporting falsely and not correcting my personal information. My address XXXX XXXX XXXX XXXX mi. XXXX also my name XXXX XXXX and my dob XXXX phone XXXX my information was corrected and again an employee for XXXX XXXX is altered my information and is collecting money on my name works for the credit freeze department. Everything XXXX is reporting is false. I have disputed and fixedy information but all this activity on my account to date is falsely being used. I have debt consolidation done on me by employee that takes my calls. Please reach out to the beauru and help me correct also reporting to XXXX and XXXX. XXXX. 
Please remove all activity on the XXXX and XXXX account all items need to take of id theft and fixed it but still the beaurus failed to correct. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have called and called so many times and have asked Synchrony Bank to please provide me with evidence that the disputes, which I have raised with them since my first dispute, have been credited back to me. Synchrony Bank has made it very difficult for me to verify that my disputes have been credited back to me, and they expect me to just take their word for it. In a recent call that I made, the representative told me that she would email me a letter for each of my disputes, totaling 11 emailed letters. I received these emails, but each and every single letter that I opened up was identical. I wanted evidence that all of my disputes were credited back to me. They gave me evidence that one dispute was credited back, and they gave me this evidence 11 times. I called them today, and the representative told me that on her end she could see all the different letters that were emailed to me and that they all mentioned a different dispute. This isn't true. They emailed me the same letter 11 times. If I didn't know any better, I would say they were trolling me. I want evidence that the disputes which I have raised with them have been credited back to me. These letters were all duplicates. She told me she would send me physical copies of each letter. That's fine, so long as they don't send me the same onXXXX 11 times again ; but even then, these letters are themselves not very convenient for me. Why do they need to send 11 different letters? Why can't they just send 1 letter that details all of my disputes since the first one that I opened with them, and the results of each? Why are they making it so difficult for me to verify that my account has been credited for these amounts? If they would send me one piece of evidence verifying that my account has been credited for all of the disputes that I have raised with them, it would make things so much easier for me. Apart from that, I'm pretty sure that I've raised more than 11 disputes with them. Why can't they send me information about the other disputes as well? Why are they limiting it to just XXXX and XXXX? I want to see evidence that every dispute I have raised since my first dispute has been credited back to me, not just the past year. I can't be expected to just take their word for it anymore. In the past when I would call Synchrony Bank and ask about my disputes, they would tell me there weren't any on file, or that this particular dispute that I was asking about was never made. In other words, they only pretended to file disputes for me, and I had to redo the disputes with them and waste hours of my time discussing the same things that I spoke about with a previous representative who only pretended to file them for me.

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was trying to send payment to a company ( XXXX in XXXX, FL ) I had problems with bill pay and XXXX. It tried to send payment twice. I was able to cancel one payment and the other did not seem to go through so I upgraded so I could send a check to the company electronically. Then the web payment went through as well. I called M & T who is my bank and they said they would stop payment on the web payment. The check seemed to be processed as expected. I saw that the check had cleared and thought all was well. I heard from XXXX today that they never received the payment. I have a copy of the check on line from M & T that has no information on the back regarding who or where it was cashed. I spent over 3 hours with M & T today, talking with various people, none seem to have a clue what happened except my {$2500.00} is gone. I finally found someone who said the policy is to submit a form to have the bank investigate what happened. First I was told I had to go to the branch office. I live XXXX miles from the branch office. Then they said they could mail it to me but could not email it. Then they said it would have to be notarized. I work as a XXXX M-F XXXX, good luck getting it notarized. This M & T Bank has shown themselves to be pretty inefficient in the past, but releasing my funds not knowing to whom or where it is going is inexcusable and now it appears the money is lost and M & T does not want to own the blame. I did everything right and they did it wrong. I need some assistance with a bank that is not safe to be holding peoples money any longer.

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 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WV

Complaint narrative:
i got out of the hospital treatment facility because im a XXXX  XXXX XXXX patient, upon getting out i found out my bank had been accessed and drained while i underwent treatment, in the sum of almost XXXX XXXX and right away i called chime. the rep who i spoke with went thru every transaction, filed disputes and closed my card and re issued and froze the account access online per my request. so now the waiting game. when the disputes finally started getting resolved everything was approved and credited all the way to the day i went into the hospital, except two disputes, dispute numbered XXXX, and XXXX the completion date was XX/XX/XXXX which would of been the 60 days. i called in when the XXXX showed that my deposits went in and XXXX $ was missing from # XXXX where they claimed it was cancelled already and prior credited. upon researching i found it indeed was not. so i called and a rep named XXXX was on the phone with me trying to get it resolved when i got an email saying that my dispute has been filed???? what dispute? so i opened my app, again with a rep on the line still, and it showed my XXXX $ was removed and the claim just paid out was now reopened and the money that i just waited almost 3 months for to be returned had vanished. i asked her what the heck was happening and she said i dont know but i saw that too and dont worry i will create a ticket on both of these issues that happened because i see all the documentation and what i just witnessed i got your back and will get this credited back within 48 hours. well fast forward to three supervisors, eight reps and countless hours on hold with nobody ACTUALLY RESOLVING anything and for me to be told several times on recorded calls that it will be credited 24-48 hours. well, yeah that never happened, actually the claim got denied. so you deny a claim of my money being sent thru your pay anyone and approve the XXXX $ transaction just five minutes prior to the one you denied ... hows that. well a rep said they will have documents sent and id receive it the next day but still as of 8 days later, have not received them. because there isnt any. regulation E is never followed, the terms are never followed by them and no reps listen its crazy, until you showed up. i have all calls, documents, and proof of theft, but yet they say it will be resolved 45 days later, even though it was just completed on the XXXX of XXXX. so im writing to ask can you get my money back they are refusing to follow there own rules and terms of having a bank with them and now they are denying things that they never even investigated. it A FACT! i called and no reply on the situation. 

case XXXX for the amount of {$8100.00} and XXXX for the amount of {$150.00} both of which they are not following guildlines. and still have not issued my money back. thank you and god bless you guys!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 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: CA

Complaint narrative:
XXXX {$690.00} Balance updated XXXX XXXX, XXXX Credit limit {$400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 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 XXXX XXXX XXXX XXXX XXXX PAYMENT XXXX XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$690.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX Company sold - Original creditor - Comments Account closed at credit grantor 's request Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX This information would still be incorrect even if it was me. How can it be closed or charged off with a balance? But I did not open this account and I keep disputing it with experian and XXXX XXXX and nothing is getting done about 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 2023-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX for their fraudulent attempt to collect a debt that is not mine. I have reason to believe that this debt is the result of identity theft. I have requested that the creditor prove that this debt is mine, but they have been unable to do so. Despite this, they have threatened to garnish my wages. 

I have taken all the necessary steps to protect my identity, including notifying the credit bureaus and filing a police report. However, I have received a notice from XXXX XXXX XXXX claiming that I owe them a debt. I have repeatedly asked them to provide proof of the debt, but they have not been able to do so. 

Furthermore, they have threatened to garnish my wages if I do not pay the debt. This is causing me a great deal of stress and anxiety. I am unable to pay this debt as it is not mine and I do not want to have my wages garnished. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX. I am also requesting that XXXX XXXX XXXX be required to provide proof of the debt and that they cease all collection activities until they can prove that the debt is mine. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: The Bureaus, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TN

Complaint narrative:
My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus XX/XX/XXXX XXXX, Transunion ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.

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 2023-04-20 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: AL

Complaint narrative:
In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U S Department of Education XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX 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 an 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.

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of 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