vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Help to redeem Earned cashback for XXXX Credit Card Account Hello, I hope this message finds you well. 

I am writing to seek help regarding the closure of my XXXX Credit Card account by Synchrony on or around XX/XX/year> and not receiving the earned rewards for the statement period from XX/XX/year>, to XX/XX/year>. Specifically, I am entitled to approximately {$640.00} in cashback rewards ( calculated at 6 % on grocery purchases for that period ). I will provide a detailed calculation of this amount if necessary. Note that, the closure was done without any attempt to contact me or requesting information or transferring the rewards in my XXXX balance as expected. 

On a recent call with Synchrony 's customer service, the representative I spoke with was very cooperative but unable to resolve my issue. Given these circumstances, I kindly request your consideration towards a fair resolution and that I receive the cashback rewards. 

Thank you for your time. 

Sincerely, 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 2024-06-10 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: TX

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

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: CITIBANK, N.A.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

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 2024-06-10 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: W&A Intermediate Co., LLC
State: DC

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.

Wakefield & Associates : # my social security, has violated my rights.

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 2024-06-10 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: NM

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my report.

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 2024-06-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX # XXXX is a fraudulent account I never opened this account nor did I authorize anyone to open this account XXXX XXXX {$1400.00} is fraudulent I also have XXXX XXXX XXXX cases that are in forbearance as well as litigation I asked to have these deleted off my report until after the litigation was done XXXX of the accounts are the same accounts Please delete them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: OR

Complaint narrative:
Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within XXXX business days of receiving notice of the dispute, the agency is not required to comply with the regular XXXX reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than XXXX business days after making the deletion [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within XXXX business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section XXXX11 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]

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 2024-06-10 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: OR

Complaint narrative:
Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within XXXX business days of receiving notice of the dispute, the agency is not required to comply with the regular XXXX reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than XXXX business days after making the deletion [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within XXXX business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

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 2024-06-10 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

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 2024-06-10 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: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX  supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
On XX/XX/year> I received an alert that I had a collections account on my credit report from Aldous and Associates. I never had any form of contact with Aldous and Associates in regards to this debt. I called Aldous and Associates and was given the run around about this debt and everytime I asked to speak to a supervisor I was put on hold for XXXX minutes and that's when the call always dropped. I paid this debt off with the original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 
I need Aldous and Associates to remove this collections off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting.

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report. 
Notification once the inaccurate account is removed. 
Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: Webcollex, LLC
State: FL

Complaint narrative:
I see there was an inquiry on my credit reports. What was the reasoning behind my credit being pulled by your company?

Company response to consumer: Untimely response
Consumer complaint received 2024-06-10 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2024 at XXXX, I received a text message ( attached ) asking if I made a purchase at XXXX XXXX for {$4900.00}. I rarely use this card and it had a XXXX balance when I got the fraud alert from Wells Fargo. I was outside walking my dog when I got the fraud alert at my home address which is 24 miles from XXXX XXXX ( later discovered the charge was made at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX ). The credit card was in my possession when I received the text message from Wells Fargo. I immediately replied back N in which I was prompted to call the Wells Fargo fraud protection phone number. I immediately called and talked to a fraud customer service representative and made a claim. The card ending in XXXX was cancelled and a new card assigned. Wells Fargo representative stated that I am not responsible for these charges. 

On XX/XX/2024, after receiving a replacement credit card for account ending in XXXX, I checked my online banking application and there was a balance of {$4000.00} on the newly assigned card. This is additionally confusing and incorrect to have a {$4000.00} balance in which it was originally the fraudulent charge of {$4900.00}. Keep in mind, I did not make this purchase in either amounts. The card has been at a XXXX balance for over one year. I spoke with XXXX in fraud protection and he stated that my claim was denied. He could not give me a reason. He told me to call the Wells Fargo claims phone number ( XXXX ) XXXX on Monday XX/XX/2024. 

On Monday, XX/XX/2024, I spoke with three different agents in the Wells Fargo claims center asking for updates and an explanation of denied claim. No one could give me an answer, so I asked to be elevated to a manager handling credit fraud claims. His name is XXXX. He told me that the claim is being reopened, but stated that it will take two to three weeks for this claim to be remedied, potentially affecting my credit. He could not supply any proof of my signature, any receipts for the fraudulent purchase made, and refused to give me any updates on claim status. Wells Fargo refuses to give me any documentation. On XX/XX/2024, I contacted the store where fraudulent purchases were made at XXXX XXXX ( XXXX ) XXXX, and the store manager refused to give me any information about the fraudulent purchase.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I asked them to close my account which I already requested over a month and a half ago, but they came in a 2nd time, I was dinged twice {$25.00} a pop a total of {$50.00} dollars and then it made another payment bounce, dinged another {$25.00} dollars & the payment the money was intended for was not paid. I've paid over a {$100.00} in NSF Fees and none of the payments were paid. I didn't want them to be paid because they were NOT authorized. The bank said that it is a " Courtesy, '' to give me back my {$25.00} dollar fee WHEN I CANCELLED WITH THIS COMPANY AND BECAUSE OF ALL THIS WORLD AND GOVERNMENT COLLAPSE, EVERYTHING FROM THESE COMPANIES IS A " FREE FOR ALL, '' When no one holds them accountable just like in the XXXX  Banking, Financial and Housing Collapse. No one was " Criminally, '' held accountable if the Government doesn't enforce the laws or the " Military Industrial Complex with the XXXX XXXX XXXX XXXX XXXX '' absolutely wants this. My point is that this money should be given back to me so that I can pay my bill with " XXXX, '' so that I can go about my business. The world 's finances are so bad now that I can not afford this. I literally do not have any " Disposable Money. '' This is the difference between me eating, me feeding my animal and putting gas in my car. All my money goes towards my bills. I am homeless and living a shelter right now.

I am getting really very frustrated by these companies including the backs that " XXXX XXXX XXXX, '' like they are part of the game. I don't know if they realize that they want to close down all the banks and have " XXXX, '' run it. That means they will lose their jobs. XXXX XXXX of the XXXX XXXX XXXX, a " XXXX XXXX, '' publicly says it, " We ( The People ), will Own Nothing and Be Happy. '' Kinda like the " XXXX XXXX. '' There needs to be other ways of solving my problem without having to do a whole new bank account.

Company response to consumer: Closed with monetary relief