vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was 15 charges to the card on XXXX for XXXX each from some place in XXXX that I am sure I did not do. I call the bank like I had done in the past for other disputes to let them know and they issue a new card and said that they will take care of it. 
I waited a couple months and nothing happened. I call again but every time they ( the card company fraud line ) put me on hold. ( see attached jpeg, the time of call shows more than 2 hours holding ) I called every month. 
I call the bank, ask to talk to a supervisor, every time they told me all they could do was to transfer me to the fraud line. where again I would wait for a long time and they never answered. 
Finally in XX/XX/year>, a lady by the name of XXXX answered and after waiting about an hour she said that she was going o take care of it. She told me the case number was XXXX, but we are here in XXXX and they have not adjusted the balance. 
Because of this my credit score has gone very low, and in that time I was trying to buy a company, but need it to get some equity money from my house, but did not qualified because my credit score. This month the bank ( RBFCU ) took XXXX from my checking account was was there to pay my mortgage, I did not authorized this payment. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 



XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
I looked on my credit report and seen a collection for XXXX from Transworld systems inc account number XXXX date opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMEX XXXX and AMEX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SUBJECT : Complaint Against SYNCHRONY BANK, XXXXXXXX XXXX XXXX, XXXX. Alleged Attorney for Plaintiff SYNCHRONY BANK is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute. 

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution. 

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices.

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE 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 explanation
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have numerous inquiries on my credit report. Equifax stated they would be removed and gave me a confirmation # XXXX but never removed them. The inquiries are identity theft related. I filed my second FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-05 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 looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I sent XXXX a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from XXXX, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a Student at XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from XXXX not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my XXXX credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I sent XXXX a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from XXXX, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a Student at XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from XXXX not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my XXXX credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from 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 explanation
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-08-05 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: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4800.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}

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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
This account was transferred to this branch when the banks changed names. This is a business account that was in my name and social security number, I was the only authorize user. The other account signer resigned from this organization on XX/XX/year> XXXX XXXX XXXX resigned from this organization. 
There was check fraud on this account that I reported to U S Bank XXXX XXXX XXXX and filled of the necessary documents to have this case investigated. I also notified the Vice President of the US Bank XXXX XXXX : number XXXX email address XXXX, on several occasions with no response regarding the fraud on my account. 
I am going to file a lawsuit against this branch and I need to be given all of the documents that they used to transfer the funds {$19000.00} out of my name without any notice. 
I am still the XXXX XXXX XXXX and no one should be allowed to remove these funds. 
Return the funds immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was fraudulently open and I have sent them documentation over a year ago where a report was filed and the identity theft paperwork. XXXX XXXX Bank has illegally sold this account to a debt collection agency when the account was already closed and they even told me they couldnt keep this account open due to identity theft. They are the ones who contacted me about this account. I was living in XXXX when this account was created. Im not sure why they even kept this account open.. I have sent them everything they need that they requested to have this account removed. I do not owe them {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in several disputes letters to all three major credit bureaus. As well as FTC Report proff of address. Each time I was told that the account came back verified. XXXX XXXX credit card open XX/XX/2029

Company response to consumer: Closed with non-monetary relief