vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: MO

Complaint narrative:
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give Zion Debt Holding LLC written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: CA

Complaint narrative:
I was approve fro the transactXXXX prepaid card and my fiancee loaded {$73.00} dollars with his XXXX XXXX and it went through, then he was leaving for work but he tries to load {$100.00} and it went through but seconds later I was reversed and then I was told that my account was locked for suspension of fraud, my fiancee and I called the customer service number and was getting several different stories of the supposed reason for the action of the Lock account, but then we were calling and getting disconnect call 's and I would ask too speak with supervisor and we will be connected with someone we have spoken with before, so this customer service support is not professional at all. My fiancee explained to them that he was the authoritarian of the account that was used too load my account and it was not fraud. I want my account unlocked ASAP.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Iam a victim of identity fraud with Equifax has been filling disputes with them for 5 years they never send any results for they dispute with me. I disputed all negative items and things that wasnt mine on my credit report with them a month and half ago and have not received any written response from them about my dispute letter instead they are reporting incorrect balances in my credit report and refusing to update any information that is not correct I spoken to a Supervisior there XX/XX/2023 and was advised they will dispute the items I just in question still no response With XXXX they are reporting incorrect balances on my account and instead removing the debt that cant verified they leave the account as closed but dont report any balances I have been requesting proof of validation of debt and they have no provided it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX XXXX for {$100.00} using a SANTANDER Mastercard. This was my second purchase, the first one was all good and delivered to my home in XXXX XXXX, NY. This one was NEVER DELIVERED to me. XXXX tracking confirmed it was delivered to a 'Front Desk ' in XXXX NY XXXX 

I contacted Support at XXXX, and exchanged several emails with a XXXX. She tried to turn it around on me, insisting that I chosen and 'Access Point ' as an option. Complete XXXX  as my confirmation shows 'Home Delivery ', and their Home page also brag Home Delivery. She said that the product will be returned to them and then they will issue a refund.

Two months later nothing happened and in the mean time I twice asked Santander back to issue a charge back and credit the funds to me. Santander responds that the claim was denied, to contact the merchant and washed their hands off. I pointed out the clause in their conditions outlining that I should not have to pay for an online purchase with a cc. They told me that it was my problem now.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested EQUIFAX to update my personal information they are reporting on my credit report however they have not done so or respond back to me requesting unnecessary required information in an attempt to stall or prevent me from updating the information they are reporting on my credit file. Equifax continues to report inaccurate information regarding my name, address 's ( that are nonmailable address 's ), phone number 's, employment and other information in regards to who I am. This false and unauthorized information Equifax continue 's to report on my credit reporting file has caused me so much stress, anxiety, denial of credit, hardship, lost of personal property, homelessness, the ability to find affordable and safe housing for myself and my family, and XXXX XXXX blocks on my rights to presue happiness on this journey called life we all are seeking. I have filed an identity theft report with the FTC and I am in the process of seeking approval for a new home. I need ALL of my credit reports to say the same thing across the board in order to raise my chances of being approved. As a consumer reporting agency Equifax has assumed a vital role in assembling and evaluating consumers credit and other information. According to 15 USC 1681-3 ( A ) ( i ) my report should not contain information solely as to transactions or experiences between the consumer and the person making the report. So how is it possible for you to verify anything you are reporting on my consumer credit file. Equifax is violating my federal protected consumer rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I have multiple inquiries on my credit report from car dealerships from different financial institutions such as XXXX XXXX XXXX XXXX  and hard inquiries that I did not authorize and are unfamiliar with. I have been receiving harassment calls from different third party debt collectors that I have never signed any contracts with and have completed a detail summary to the police station in regards to my identity being compromised through XXXX and XXXX. I would like all inquiries to be removed from my credit report immediately as this has caused me significantly alot of damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I tried to send money and they closed my account and declined the transaction. I contact them to ask for explanations, they didn't gave any reason to cancel my account, didn't ask for any form the identification, the only option was me go to an office and take my ID. I explain them i am in a military base, i am in the XXXX XXXX in a year-long XXXX and there was not any intention for verify and resolve the issue. I offer them to check my military orders, my IDs, my passport, they suddenly finish the conversation without allow finish my arguments. That happens today XX/XX/2023, XXXX XXXX was the person who was talking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have called and written to this company numerous times to repay this to no avail I am fed up with the lack of response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi this complaint is regarding my Macys credit card. I made a phone call ref # XXXX the day before a 12month furniture purchase promotion expires to either # 1 request an extension for more time on the promotion # 2 Pay off my due balance on the furniture so I don't get charge an interest on my account. After my inquiry I was offer an additional 6 months of promotion to pay off my balance. At that time I made a XXXX payment ref # XXXX to start paying off my balance to pay off in 6 months as agreed. the representative explained it might take up to 72 hours I let a few weeks go by to check back on my account to my surprise I had been charged the full amount of interest of XXXX and nothing had been done to my account. I called them right away on XX/XX/XXXX, after 50 minutes of speaking with different reps. I spoke with a supervisor named XXXX ID # XXXX who once again confirmed that my 6 months were approved and the charge of XXXX was charged by mistake and would now be given a credit on my account that can be applied to that interest charge of XXXX and to allow again 72 hours before resolved. Today is XX/XX/XXXX I called again being put through three different people, I was told that in fact the fist rep had made a mistake and asked for additional 18 months instead of 6 and the request was denied, this person who apparently is the head of the credit service department said he will correctly submit for 6 months, he made no promises or guaranteed that this will be resolved. I am very disappointed and feel as though Macys made false promises that made my credit score go down a few points because of credit increase, so # 1 it affected my credit score and # 2 it will now affect my finances since I am stock with a XXXX bill that wasn't supposed to happen.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name XXXX XXXX XXXX Account number:XXXX XXXXXXXX U.S.C 1681 Section 602 A4. 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My banana republic credit card issued by XXXX XXXX in XXXX had a one-time balance of XXXX $ which I cleared immediately and never used that card again afterward. In mid of XXXX, the company managing the banana republic card was changed from XXXXXXXX XXXX to Barclays Bank upon which the card I had was obsolete. The identity thief seems to have authorized the issue of the new banana republic card from Barclays Bank under an incorrect mailing address, email address, and phone number without my knowledge and started using the card from XX/XX/XXXX. I saw this delinquent account on my credit report and reported the issue to Barclays fraud investigations around XX/XX/XXXX and they still haven't resolved this issue as of XX/XX/XXXX even after I called them repeatedly every month. They also reopened the investigation in XX/XX/XXXX after their initial wrong findings but its already been almost a year and its badly affecting my credit score and auto loan applications & others. I need this identity theft and my credit report fixed asap. I also see one wrong address and a phone number on my credit reports which I am disputing as well. I hope Barclays fixes this credit reporting issue without further delays and has consequences for mishandling and causing issues in my life for about a year now.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I have never done business with Phoenix Financial and do not have any agreements with them. I have thoroughly reviewed my credit report and have discovered the presence of a collection account in which I am questioning and have issues with.This account is inaccurate and does not pertain to any debts or obligations that I am responsible for. Please see the attached that supports my issue with this debt collector who has access my credit file without notification or permission.This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing you in order to request the deletion of the incorrect information on my credit report. The account under concern is : XXXX XXXX - XXXX. Your company is reporting that I missed a payment on XX/XX/2022, while I was never late. I tried to contact your company through calls and letters, but this incorrect information is still appearing on my credit. So I had to submit a complaint. Please delete this late payment mark from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: AL

Complaint narrative:
XXXX sent my account to a attorney. The amount was {$800.00} now its {$2200.00}. Which i'm not paying all these extra fees. This is how XXXX treats customers. I already told them I was facing financial trouble and why i had to disconnect my phone number but they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit report score with data collected by XXXX, Equifax and XXXX XXXX currently is not an accurate representation of my credit practice and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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