vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also under the accuracy and verifiable of info. 

XXXX XXXX XXXX c/o XXXX  C/o XXXX XXXX XXXX acct XXXX XXXX {$12000.00}. 
Date opened XXXXXXXX  This account was originally from an fraudulant XXXX XXXX DATE opened XXXX  This is an illegal and fraudulant account opened that was originally deleted from all credit bureaus and XXXX due to fraud back in XXXXXXXX  when I had reported and filed an FTC ID THEFT affidavit along with the reaching out to bank. 

TRANSUNION and XXXXXXXX XXXX XXXX has illegally and fraudulant added this account to my report with a new opened date and has effectively fraudulantly reaged this account. 

I want this account removed immediately or I will sue for intentional fraud and violations of my consumer rights. 

I have enclosed the FTC ID theft affidavit I had filed back in XX/XX/XXXX to prove the fraudulant account was not mine and XXXX XXXX XXXX and XXXX has illegally obtained and shared my info without my consent.

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 2023-09-18 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: TX

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Account # 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.

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 2023-09-18 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: TX

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, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized user called into Macy 's Credit Card services and changed the name on the account from my name to their name using the self-serve phone tree and self validated using the last for of my social security. 

This person then made an unauthorized, in store purchase of fragrances on XX/XX/XXXX for a total of {$250.00}. 

I received an email asking me to leave feedback regarding my in-store purchase. I then promptly called in and reported the fraud / unauthorized purchases and requested to close my account. 

After I closed the account, the unathorized user then called back in and had a new credit card issued which they then did another in store purchase for {$350.00}, this time for watches. 

I called in immediately and reported a stolen card and again asked Macy 's to close my account. 

Then on XX/XX/XXXX, I was notified that Macy 's had issued another card to the unauthorized user. I called in and again reported the card stolen and again asked for my account to be closed. 

Then again on XX/XX/XXXX, I received a notification that a new purchase of {$120.00} was just made using a brand new Macy 's Star Rewards credit card in the authorized users name which using my social security number. I called in on the XXXX to escalate and have been told that the account will be closed and no further credit cards will be issued ( Same thing I was told the three past 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 explanation
Consumer complaint received 2023-09-18 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-09-18 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: Experian Information Solutions Inc.
State: TX

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 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.

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 2023-09-18 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:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bureau of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I tried to wire money to Bank of America several times between XX/XX/XXXX  and XX/XX/XXXX  They rejected the wires. 

Before sending the money back to my bank, they deducted {$45.00} each time. 

They have no commercial relationship with me. In theory they never took possession of the money since they rejected the wire. They in effect stole {$45.00} from me each time. 

Because I have no commercial relationship with the bank, I am being told there is no way I can recoup these fees from the bank. 

If a bank rejects a payment, they should not be able to steal money before sending it back to 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 2023-09-18 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: TX

Complaint narrative:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
RE : Complaint About Ongoing Fraudulent Fees And Interest Charged by American Express on a closed account ( Account # : XXXX XXXX XXXX ) Copied : American Express, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir, I am following up on my multiple complaints I filed with American Express since XX/XX/, regarding fees being charged on closed account and still have no resolution. 

I closed my credit card account # XXXX XXXX XXXX. However, I found in XX/XX/ that despite the account being closed I was charged a annual renewal fee of {$95.00}. I called the customer service to point out the error on XX/XX/XXXX  and requested for the correction. 

Recently I learned in XX/XX/, that the previous in-correct fee charges were still not removed several months after I brought the error to their notice. In addition on XX/XX/, I have fraudulently charged addition {$39.00} late fee for not paying the previously disputed incorrect fee of {$95.00} charged in XX/XX/. 

I am demanding American Express to immediately correct the fraudulent fee totaling to {$140.00} and any associated interest charges on already closed account. I am also demanding immediate end of American Express harassing practices, to impose fraudulent fee and impose additional fraudulent charges on top of the previously fraudulent charged fees that re already disputed. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I requested to see how this debt was validated on XX/XX/21 through XXXX for 2 line items under collections- I received no correspondence and the file was once again noted as being verified- I C SYSTEM INC in the amount of {$270.00} and {$1100.00}

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
CARRINGTON MORTGAGE SERVICES claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which CARRINGTON MORTGAGE SERVICES has failed to do as the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: PR

Complaint narrative:
I used the Zelle money service to digitally pay for a service. The issue occurred when the wrong email address was entered due to auto correct. This happened for two transactions, and I had written to XXXX and Zelle to fix the issue. Zelle told me to consult my financial institution. XXXX told me that since the money was sent to the email address listed that it was not an error. Clearly it was when it didn't reach the intended merchant. XX/XX/XXXX I originally sent {$530.00} to the wrong email address ; I had put XXXX instead of XXXX. I then made a second transaction on XX/XX/XXXX for {$250.00}. This is unacceptable customer service and is crazy to me, how can companies just rip people off out of money like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
For the billing statement due for XX/XX/, the amount due was {$68.00}. I paid {$35.00}. For the bill due XX/XX/, I paid {$33.00}, per the online BALANCE DUE ON THE ACCOUNT. I paid it, then receive a bill saying I owe {$1.00} in interest. 

I have two questions : Why, if you credited my payment for XXXX for {$33.00} less than 5 days after my XXXX payment, why do I owe interest? Your representative said I was 4 days late, when in fact I was paying off the card EARLY. If the balance due is {$33.00}, your company should accept {$33.00} as a final payment. A balance due is what I owe you. PERIOD. Why did you charge me interest, when I paid off the card? Interest for the ENTIRE month of XXXX was {$1.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.

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 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony handles the zero-interest XXXX XXXX . I paid off a defective hose ( {$79.00} ) and sent it back to XXXX  because it had several leaks. ( Found out they charge {$8.00} for the shipping label. ) After several weeks I called Synchrony who noted, yes, we see the hose was returned. We will issue you a refund for {$53.00}. When I pointed out I had paid {$79.00}, they said they would need to deduct {$26.00} from my refund check for " outstanding balance '' at XXXX  on an XXXX XXXX  XXXX. I had set up " 5 easy-pay '' monthly payments on the hair product and had 2 payments of {$10.00} left- the first of the 2 payments was not even DUE for 2 weeks. The last payment was due in XXXX. When I pointed out that these were 2 separate transactions/agreements with XXXX  and they had no right to take MY money that I had already paid - and use it to PRE-PAY my easy pays for me with XXXX  -- they claimed " our hands are tied ; it won't LET US make refunds when you owe XXXX  any payments. '' If this isn't illegal, it is surely unethical. They are tampering with the consumer 's budget, deciding how my agreement should be managed, taking money out of my pocket that was already tendered for a defective product. Synchrony is making interest off my money in their bank account.. and off of millions of other people 's money. I received the refund for {$53.00}. My balance at XXXX  is still showing I owe them {$8.00} for the shipping label and 2 payments of {$10.00} for the last two easy-payment on the hair product. Calls to synchrony- they say they will need to transfer me to XXXX. Customer Service at XXXX  has no remedy. Widespread theft is what I think it boils down 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 monetary relief
Consumer complaint received 2023-09-18 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.

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