vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing this letter to express my deep dissatisfaction with a recent issue involving my Macy 's American Express Card account. I discovered that I was charged {$970.00} in interest, despite having paid off the outstanding amount, The situation arose due to a payment scheduling problem, which led to this signific financial disaster caused by interest charges. 

I believe it is essential to highlight that I had scheduled the payment to be made through my bank account well in advance, in an effort to be proactive and timely. Money was sitting in the account waiting to be dispersed on the appropriate date. Somehow something went wrong. I am not quite sure what happened. 

Given these circumstances, I am disheartened that an error in the payment date has resulted in such a substantial interest charge. As a loyal customer of Macy 's American Express Card, I believe that this situation is unjust and unwarranted. I have always been diligent in making my payments on time. 

I spoke with XXXX XXXX XXXX ) regarding this matter. However, I was disappointed to learn that she was unwilling to connect me with her supervisor or manager to further discuss the situation and explore potential solutions. It is my belief that open communication and escalation are vital in situations where customers are facing financial burdens due to errors unknown to them. 

I kindly request the following actions to be taken : Adjustment of Interest Charges : I urge you to review my account and acknowledge that my payment was posted on an incorrect date in error, with the intention of it being made on the correct date. I kindly request that the {$970.00} in interest charges be reversed. I should not be held financially responsible for an error caused by a date discrepancy. 

I believe that Macy 's American Express Card values its customers and their loyalty. I trust that your organization will understand the significance of this issue and will take appropriate steps to rectify the situation in a fair and equitable manner. 

Thank you for your immediate attention to this matter, and I look forward to a swift resolution.

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 2023-08-31 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX I ; 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 an 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXX ACCOUNT NAME : 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

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 2023-08-31 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: MI

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-31 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, 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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 
This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
" I, XXXX XXXX, am writing to express my concern about the actions of PORTFOLIO RECOVERY. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give PORTFOLIO RECOVERY permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that PORTFOLIO RECOVERY is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that PORTFOLIO RECOVERY remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$420.00}.

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 non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NJ

Complaint narrative:
I can not log into the Ed Financial website and when I tried to request a new password it would say on the screen " If your credentials match our records we will email you new login info '' I was putting in my social security number and year of birth so it is correct. But I never received an email in my spam or regular inbox. I have called Ed Financial multiple times in the past 3 weeks all over a span of a few days and waited a half hour to an hour even though the operator said the wait time is " 13 minutes. '' Today XX/XX/23 the operator also said 13 minutes and I waited over an hour. Loan repayment opens tomorrow. I am still a graduate student and I need to figure out what I will be doing in terms of repayment I do not know even the day before loans open. Finally, I emailed Ed Financial and they have not gotten back to me or my dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific 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 2023-08-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Sq XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the XXXX XXXX, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 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: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation