vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OZK
State: AZ

Complaint narrative:
I have a pre-existing relationship with a gentleman named XXXX XXXX and his company, XXXX XXXX XXXX or XXXX. Several weeks ago I met with XXXX and discussed making a new {$1.00} XXXX investment in his company. He told me his company was about to embark in a transaction and when it was complete, he could accept my new investment. Several days later I received an email from XXXX indicating that the event had occurred and they were ready to accept my new investment. On that day or the day after, all of my emails disappeared. Shortly thereafter, I received many emails, including the one I had lost from XXXX ( or at least I thought it was from XXXX ). The email was identical to the previous XXXX he had sent and included a separate XXXX document with wire transfer information. I communicated with XXXX via email ( again it was the fake XXXX who had hacked the real XXXX 's email ) and confirmed that I would be sending {$1.00} XXXX. He told me he would acknowledge receipt and shortly after I initiated the wire, he acknowledged receipt. To be clear, the email I was now communicating with was XXXX 's email except it had an " XXXX '' at the end that I simply did not notice. My computer recognized him and his name popped up rather than the email address. I realized the fraud within XXXX hours and contacted XXXX to confirm that he had not actually received my money or communicated with me after his first email. Which he confirmed. The money went to a branch of Bank OZK in XXXX I spoke to my bank, XXXX XXXX XXXX, as well as bank OZK and tried to get them to claw back the money immediately. Instead of the regular account for XXXX 's company which would be XXXX XXXX XXXX the account at the bank was in the name of XXXX XXXX. Again, I did not notice the insignificant discrepancy and thought it was intentional. In any event, I have yet to get any of my money back or receive any adequate cooperation from bank 0Z8. In my opinion, they should not have allowed the depositor ( who I am sure must have only recently opened the account and probably via remote access ) to receive and withdraw {$1.00} XXXX within a XXXX hour time frame with all the rampant fraud going on involving wire transfers. I was so confident that mine was legitimate because it was a continuous conversation with XXXX both in person and via email. Obviously, this has a huge impact on me and I am thankful for all the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported by XXXX XXXX XXXX XXXX XXXX XXXX 

Below are the details of the disputed account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Dispute Summary : Incorrect Status : The account status as reported is not correct. 
Incorrect Amount : The amount reported is inaccurate. 
Settled for Less : This debt was paid for less than the owed amount by the third-party debt collection agency, and this resolution is not accurately reflected on my credit report.

Unclear Purchase Amount : I question how much the collection company paid for this account. Neither I nor my credit report reflect such information. This lack of transparency and failure to disclose necessary details constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is not accurate, fair, or complete.

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 2024-12-21 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: FL

Complaint narrative:
THE ACCOUNTS BELOW ARE FRAUDULENT AND WERE OPEN WITH OUT MY KNOWLEDGE WHILE I WAS INCARCERATED IN PRISON. 
I HAVE MADE A POLICE REPORT WHICH I HAVE ATTACHED. I HAVE NEVER ATTENDED A SCHOOL WHICH REQUIRED ME TO HAVE A STUDENT LOAN. 
I NEED THESE ACCOUNTS REMOVED FROM MY CREDIT AS THEY ARE STOPPING ME FROM GETTING A MORTGAGE. 

US DEPT OF EDUCATION Account : XXXX AMOUNT {$3100.00} US DEPT OF EDUCATION ACCT # XXXX AMOUNT {$2600.00} US DEPT OF EDUCATION ACCOUNT : XXXX AMOUNT : {$3000.00}

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 2024-12-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank would not honor my request to close a 9-month CD I had opened on XX/XX/XXXX for {$50000.00}. I notified them in XXXX, XXXX that I wished to close the account at maturity both verbally and in writing. They refused to take my direction citing that I had to " call '' at the time of maturity ( XX/XX/XXXX ) to request the cancelation. I was traveling and away for XXXX during this period and was unable to call. My CD was automatically " slammed '' renewed for an additional 9 months despite my previous directions. I was never notified in email or letter that the renewal was upcoming. When I finally got a letter dated XX/XX/XXXX notifying me that my CD had been renewed, I called to get that transaction reversed and was told I could not without paying a {$500.00} penalty. I was also told I had received both email and mail communication that the CD was about to renew, but I never received any such communications. 

This is a predatory practice by Synchrony designed to make it difficult for customers to remove their funds from the bank. They give banking customers the ability to fund a CD online ( they are an online banker ) but no option to cancel the same product online. 

Finally, I attempted to notify them again of my direction to close the account when it comes up for renewal again on XX/XX/XXXX. They refused in multiple communications to accept my direction. I find this outrageous and need help getting this resolved.

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 2024-12-21 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: SC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Charge off XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed

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 2024-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I, consumer, applied to Apartment complex for lease. XX/XX/year>, paid in full {$300.00}. 

XXXX in XXXX, managed by XXXX, failed to properly provide an official decision to applicant within contract timeframe, breached contract. 

I, consumer, disputed charge with the bank due to service not being provided as contracted. Bank issued complete refund as investigation provided agreement that service was not properly provided. 

XXXX sent a moveout notice with bill of {$370.00} while consumer NEVER resided there. Consumer disputed this statement with merchant. Merchant went on to change amount and rebill again and never responded to the rebilled dispute, as Nothing is owed to them. No service was ever properly executed with written documentation etc. 

Merchant sent to credit collection agency and reported negative information in consumer file. 
This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Ive filled few complains due to unauthorized use of my debit card but its been 10 days and they did not follow regulation E to provide provisional credit, customer service told me I have to request the provisional credit so I was little stunned because that was new information for me. 
Its been 10 days and I did not get the provisional credits

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-12-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Ordered a air fryer via XXXX Order number XXXX Total price - {$54.00} Says delivered XX/XX/24 @ XXXX XXXX  Ive been trying to contact XXXX for almost a week now because I wasnt home for the whole week of XX/XX/24. Upon returning to my place, there was nothing. I asked my neighbors and the building management if they or if they know anyone that received anything for me. Everyone that I asked, their reply was no. XXXX tracking doesnt state the name of the shipper. The only thing that it says is delivered XXXX @ XXXX XXXX. Last time I checked XXXX XXXX is a pretty big place. No signature verification. Im not aware if a picture was taken by the shipping company but the last time I checked in this country, when anyone buys anything online, a direct withdrawal of funds is taken. I never understand when a shipper takes a picture of any package in front of your door because when I pay in a store, as soon as I give payment, the item/s that are bought by myself are given to me in my hand in exchange for funds. Am I mistaken that when I buy anything online, it is the responsibility of whoever I buy from and the shipping company to get the items in my hands? A picture is a picture but it doesnt prove that I received any product that I paid for. In addition mistakes happen and when you dont get the items in my hands, how can you, me or anyone else be sure without a shadow of a doubt that the item/s were delivered to the correct address. How can you, I or anyone else be sure without a shadow of a doubt that the item/s werent stolen from my front door? Nothing can be without a shadow of a doubt. What is without a shadow of a doubt is that I never received the air fryer that I ordered. I am also aware that it is the week of XXXX but totally ignoring a consumer as XXXX is doing is unacceptable. Being XXXX is just ignoring me, I was forced to buy the airfryer in person and therefore want a full refund for the card used for the purchase. I want to thank you in advance for your help.

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 2024-12-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased gasoline at the XXXX in XXXX XXXX, NJ. I have a XXXX XXXX XXXX that holds XXXX gallons of gasoline. The price per gallon was XXXX. The maximum amount I could have spent was {$68.00}. 

The attendant started filling my car but for some reason stopped with my gas gauge showing slightly before XXXX full. I told the attendant that the tank was not full. He than requested my card to swiped it and continue filling the tank. I asked for a receipt for the first charge but he said he could not provide one since he had swiped my card again. After filling the tank, he provided me with the receipt for the second filling which totaled {$42.00}. The two charges total {$64.00}. ( {$22.00} and {$42.00}. These charges were initially listed on my Costco Visa Credit card account in the order {$22.00}, {$42.00} and {$40.00} ). Those two charges are correct as the vehicle had less than 1/8 of a tank of gas left. Costco has cameras that record the gas station. The response from Citi Cards states that they reviewed the response for Costco and have agreed with them. They said Costcos response was attached. It wasn't. Citi Cards have reversed the credit on my account. Bottom line, my card was charged an additional {$40.00} for gas that I did not receive! Costco has all the information to review their cameras and confirm what I am stating. Thanks for your assistance in the matter. A copy of this was also provided to Citi Cards to continue my dispute.

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 2024-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I received a letter from Eastern Account Systems , Inc. indicating that I owe a remaining balance from a cable provider known as XXXX. I do not believe the debt to be accurate and I requested proof that I owe this debt. No proof was provided ; however, the aforementioned debt collection agency reported the debt to XXXX or more of the credit reporting agencies and my credit credit Score dropped from XXXX down to XXXX. I have never incurred a debt that I have not paid off within agreed terms for anytime in my entire adult life. 

I sent a letter asking the aforementioned debt collection agency to remove the inaccurate claim of owing the debt several months ago. They never responded or removed the charge against my excellent credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I have applied for a XXXX loan advance from uprova.com. I was only qualified for XXXX. Automatically, the system sent me a page go fill my name date of birth and social. Thats the only thing they asked for. And all of a sudden, i saw my payment schedule starting from XXXX XX/XX/XXXX with a {$260.00} every two weeks. After the math, i will be paying XXXX just for the XXXX loan.l ; which is almost 300 % interest. This is just crazy. 
The situation that worsen the case is thar : they never, not even one time showed me any interest opiton or information. This is a scam! This app is a pure scam. Please help me fight against them! I will definitely not paying all that money. They sent a link to sign something but i never signed nothing cause there was nothing to sign

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 2024-12-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I forgot the dates, however I did use them a few years ago. I used them for about a year and a half.

Company response to consumer: Closed with explanation