vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
In Early 2024 your Company Help me get A collection off my Credit Report that At & t place on my Report!! Once again XXXX & XXXX places a collection on my Report!!! On XX/XX/XXXX of 2024!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX for something to be sent to me because I still have At XXXX t Now!!! But they never emailed or mailed me anything please help 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 2024-07-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a gift card from gift cards.com on the XXXX XXXX website. XX/XX/XXXX it was declined at XXXX XXXX station on XXXX XXXX in XXXX XX/XX/XXXX. On XX/XX/XXXX I called XX/XX/XXXX to inform them the gift is not working I was told it was due to I did not set up pin. After setting up pin gift card still did not work. I panicked when I saw the charge and no use of gift card. 
XXXX ) I askedXX/XX/XXXXXXXX can you refund they stated the bank had a back charge. 

XXXX ) Synchrony bank tells me to call XXXX and tell them to write a letter that the card has been closed? Outside of serious language barriers and going back and forth between the two Fraud is being committed. I want a refond

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 2024-07-07 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: WI

Complaint narrative:
I have written several letters to Experian requesting that they correct and remove the following inaccurate personal information from my credit report : The following addresses, XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX The following inquiries XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ) XXXX ( XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I also filed a complaint with the Cfpb on XX/XX/XXXX about this same issue with Experian and they still have failed to resolve these issues. They are in violation of Section 1681e ( b ), ect Accuracy of Report of the Fair Credit Reporting Act.

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 2024-07-07 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: DC

Complaint narrative:
In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have email proof these accounts are supposed to be taken off my credit report after theyve been paid for the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: IN

Complaint narrative:
On XXXX XXXX, I reviewed my credit report and noticed that I had a late payment on an account that I was never late for listed below. 
XXXX XXXX XXXX XXXX. 
I have sent Transunion numerous documents stating that an account was settled in full listed above should have been removed. 
XXXX XXXX XXXX XXXX. 
XXXX- XXXX. 
These list of accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 602 states a consumer reporting agency can not furnish an account without my written instructions. A consumer reporting agency have assumed the vital role of having the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late with XXXX XXXX XXXX. I asked Transunion to provide me proof with statements showing these late payments were late. I have not been provided with proof during and after the investigation process. Without proof by the FCRA law, the disputed accounts SHALL be removed 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 non-monetary relief
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
I have email proof these accounts are supposed to be taken off my credit report after theyve been paid for the settlement amount.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have email proof these accounts are supposed to be taken off my credit report after theyve been paid for the settlement amount.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I sent out the disputes XX/XX/21 and I sent proper identification and they sent back a stall letter requesting documentation dated within 2 months and I did just that. Im requesting they investigate and delete these accounts this investigation has passed over 30 days but all documents sent was within the guidelines of submitting a dispute and on top of that these items are unverifiable and illegally reporting on my credit please delete it from my report. Im submitting the dispute again and all relevant documents.

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 2024-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
In XXXX, The doctor wrote a prescription for TENS machince for me to get through my physical therapy company. I met with the sales person from XXXX medical name XXXX. XXXX recommended that I get a XXXX machince, but he stated that it had to be approved for purchase though my insurance company. The next day I recieved a call from XXXX stating that it was approved for purchase at no cost to me. XXXX and I met at the therapy office to show me how to use my new unit. About 2 months later I started getting letters from my XXXX company along with checks for rental fees for the unit that was suppose to be a purchase. I reached out to XXXX XXXX they stated that XXXX was billing the unit as a rental not as a purchase and for me to reach out to them to get bill correctly. I talked with billing XXXX name XXXX on XXXX. XXXX apologized and stated that she would fix this immediate ; y. On XXXX I recieved another check for rental purchase. I reached back out to XXXX and XXXX see apologized and stated that she will fix this immediately. However, I recieved XXXX more checks for the unit rental. I reached back out to XXXX XXXX, I was told to mail the checks back to them and they needed the unit to be billed for purchase to be corrected. I never heard back from XXXX until XXXX stating they need checks mailed to them I explained to the individual on the phone that the checks was mailed back to the insurance company. The reason was because it was billed wrong and that Billing XXXX had told me that it was taken care of. I then recieved a threating letter giving me 30 days to mail the checks to them. I explained that this was a purchase not a rental and they needed to rebill the insurance company correctly. I reached back out to insurance company and was told to file a complaint for filing false claims with insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: Conn's, Inc.
State: NC

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. 
Account name : Conns appliances XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
XX/XX/XXXX Ally credit card. They put a hold on my card so I called and was transferred to LP they said it was possible fraudulent charges and I told them I made the charges on cash app and he said we just wanted to make sure it was you and we will remove the hold. He never entered any information on my account and did not remove the hold. I call back on XX/XX/XXXX and transferred to XXXX again and they said my card was not supposed to be allowed by there company to use on cash app and they dont know why it was but that its considered a cash advance and not to use it on cash app again. They then removed the hold. I literally used it the first time I activated it on cash app and had not gotten any fees or holds on the card. I never signed anything saying cash app is a cash advance and was never told it was a fee by anyone and there isnt any faq about cash app or anything stating cash app on the contract or anywhere connected with Ally bank and credit cards. I escalated it to a XXXX and they continue to tell me there system automatically charges cash advance fees and refuse to remove the {$20.00} fee they charged my account when it was literally placed onto my account manually because there is not any fees for cash app purchase on the first one made on my account. They also claim not to have to name specifically cash app as a cash advance because their system does that automatically but doesnt with cash app because the purchase shows as a purchase on their system and not a cash advance.

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 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo unfairly froze my funds due to fraudulent deposits that were done with our my knowledge or consent wells Fargo refuses to refund my money that amounts to XXXX dollars I don't feel like wells Fargo handled or investigated my situation properly in result my money was token from me which resulted in me being homeless I demand my funds back immediately so I'm able to take care of myself

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 2024-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Good morning, I opened both a Chase total checking and chase savings account together with coupon code XXXX XXXX XXXX XXXX. The promotion said I would get {$900.00} total bonus after 90 days and qualifying activities. The accounts were opened XX/XX/year>, and funded per the terms of the advertisement on XX/XX/year>. Also, I've had direct deposits to the checking account per the terms of the advertisement. It has been over 90 days. 

Chase has not deposited the {$900.00} to my account. I have lost interest income by having my funds at Chase as I was counting on Chase fulfilling the terms of the advertised offer. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TN

Complaint narrative:
I AM A VETRAN AND A VICTIM OF IDENITY THEFT. SOMEONE STOLE MY IDENITY AND I HAVE NO KNOWELEGE OF WHO COULD HAVE DONE THIS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: NY

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 : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXX XXXX 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 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 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 theperson 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 2024-07-07 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: NY

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 : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXXXXXX XXXX XXXXXXXX XXXX XXXX : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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 theperson 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 explanation
Consumer complaint received 2024-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: CL Holdings LLC
State: CA

Complaint narrative:
Yes I have XXXX dispute I was trying to fix XXXX credit report I have had a issue with identity theft in the past and because of the situation I have had to file a dispute I also have had a police report to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have recently submitted multiple disputes the most recent one with tracking number of XXXX XXXX XXXX XXXX XXXX XXXX This was opened and closed in a matter of 2 days. On at least 6 different occasions equifax has done this to my disputes and refuses to opens them and proceeds to violate my rights. I provided with the disputes a photo id and proof of utility bill there is no reason that they should continue to be closing my disputes without investigating them with the companys. What equifax is doing is illegal and they continue to engage in this illegal activity over and over again. I am simply asking for the inaccurate items on my report to be disputed and investigated properly. Please see the attached proof where the company continues to open and close my disputes without investigating.

Company response to consumer: Closed with explanation