vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received an email this morning XX/XX/23, indicating a Bank of America checking account was opening in my name. I did not open this account.

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 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,

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 2023-01-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Someone opened a fraudulent account using a Home Depot credit card approved by Citi Bank on my credit report. I disputed the card and Citi removed the account from all three agencies. Then they turned it over to a collection agency who called me and I had to try and explain this whole mess. Now their Cardmember Services sent me a letter saying the account was valid yet it has been removed from all of my credit reports. I have called several times and get thrown around from one department to another. I tried calling the Home Depot CardMember Services but cant get a human because there is no account anymore. By the way I have a legitimate Citi Bank card Ive had for over two years in perfect standing. Im locking this account and using another card I have. These people are incompetent and I am exhausted from dealing with this for 3 months. I am complaining because they need investigated for harassing people with their stupidity. My credit has been over 800 most of my life and I am 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 monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company closed my account because I was receiving unemployment and it was frozen on XXXX XXXX. I was told they would send a check after they investigated and closed the account. Still to this day I have not been able to get an update nor an help about where my money is or why my account was closed. I also have been consistently mistreated when I call them. I can not remember the exact amount that was in there but it was about {$2000.00} that was stolen from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Electronic bill pay cleared my XXXXk XXXX XXXX account for {$8900.00} to Westlake Financial Services on XX/XX/2022. Westlake is unable to locate that payment despite 2 proof of payment submissions from XXXX to Westlake via FAX. Westlake finally acknowledged receipt of the FAX, but they continually cite the inability to trace that payment on XX/XX/2022. Most of my phone calls end up with Westlake disconnecting me after several minutes on hold or many futile attempts to reach a supervisor. I did speak to a supervisor XX/XX/XXXX and she told me to call back on XX/XX/XXXX ; the supervisor was not working XX/XX/XXXX. 
The XXXX payment was an early payoff but I have since had to make my XXXX payment so I would not be lenalizedfor late payment as Westlake said they may not waive any any late fees while waiting for their " investigation '' into the lost electronic transfer. 
Account number is 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 2023-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
i opened an account in WISE formerly known as Transfer Wise, It uses XXXX and XXXX XXXX  as a backend bank, I transferred an amount of XXXX USD in my account from my personal account of XXXX XXXX XXXXXXXX. They Blocked this transaction and even Closed/deactivated my account without any proper reason. They are now not refunding back the amount to my personal account. 

I tried to emailed them several times but they are not responding to any of my emails The amounted holded in account details are already in this message Account holder : XXXX XXXXXXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I was contacted by said company about a debt of {$140.00} I then sent certified communication back to the company demanding this debt to be validated and i be sent proof of the validation, the company sent me a copy of a bill XXXX  under FCRA does NOT constitute as proof that the debt is valid or belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX Credit Card which is administered by Comenity Capital Bank for its fraudulent practices and predatory late fee charges. 

On my XX/XX/XXXX statement ( Exhibition XXXX ), I was charged {$25.00} late fee for an amount of {$650.00} due on XX/XX/XXXX in accordance with the XX/XX/XXXX statement ( Exhibition XXXX ), however, for being received on XX/XX/XXXX. This is the first time I have ever been charged with a late fee since Comenity Capital Bank took over in XX/XX/XXXX. As you can see in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ), I paid off the full amount on the XXXX day of the previous month which always arrived before or on the XXXX day of the due month for this credit card. There was never an issue of lateness before for this or other credit card, however, my XXXX payment mysteriously arrived XXXX  days later. I contacted the Customer Service by dialing XXXX to ask for the {$25.00} back on XX/XX/XXXX but in vain. 

The Comenity Capital Banks fraudulent practices is hair raising, to say the least. As shown in the XX/XX/XXXX statement ( Exhibition XXXX ), I was asked to pay {$1300.00} due on XX/XX/XXXX in a separate e-mail ( Exhibition XXXX ) sent out on XX/XX/XXXX. Without realizing I had already paid the bill, I paid the amount again on XX/XX/XXXX which can be seen in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ). As you can see in the XX/XX/XXXX statement ( Exhibition XXXX ), Comenity Capital Bank now owes me {$130.00} for the bill due in XX/XX/XXXX. I hope this kind of very damaging fraudulent practice can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NY

Complaint narrative:
My ex husband had a business which I had a XXXX XXXX XXXXXXXX card in the business name that was granted his in the divorce proceeding. It was sent to Credit Control collection agency who called me OVER 10 times a day. I paid a few payments until the judge deemed it his debt. At that point I sent a debt validation letter along with a cease from ALL contact request and asked for proof of all of the applicable information from this debt collector certified returned receipt requested ( sent XX/XX/XXXX tracking XXXX XXXXXXXX was received XX/XX/XXXX ). I only received PARTIAL information back which in turn makes it so they can not report to the credit bureaus. This company has not so far however they continue to call and harass me. I received yet another call XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. As previously stated this is NOT my debt and I informed to refrain from contacting me. I suffer a very serious medical condition ( XXXX XXXXXXXX XXXX ) and the constant harassment is causing pain and suffering on my health. 

I do have photos of the receipt from the post office if required including tracking number listed above FINAL DECREE ATTACHMENT PAGE 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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I closed my Sam 's Club XXXX credit card account more than a year ago by phone. Sam 's Club or Synchrony, the issuing bank, automatically opened a new Sam 's club credit card under my name in XX/XX/XXXX. I never received this new card or activated it, but then received a statement through the mail that was sent to my old address. I had moved over 2 years ago, and I was only made aware of this new account when this letter was forwarded to me in XXXX. The statement included charges made on the card for a {$50.00} Sam 's club annual membership fee on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called the number on the statement ( XXXX ) to cancel the card. The representative mentioned the canceled card was declared stolen which is how a new card was issued, but was able to cancel the new card.

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 2023-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please be advised, this is NOT a duplicate complaint. Since first reporting these violations to CFPB by TRANSUNION, TRANSUNION has reported new accounts in violation in the exact same manner of other accounts previously reported, however, CFPB has not responded nor has held any accountability for TRANSUNION for these violations. The following violations include : denying the consumer access to her consumer report and annual consumer report since reporting these violations back in XXXX and XXXX, as well as selling the consumers XXXX account information with full disclosures of the consumers NONPUBLIC PRIVATE INFORMATION such as : full consumer account numbers, balances, history, XXXX and more. I have together with counsel found over XXXX consumer reporting violations being reported by Transunion. Please be advised that the following notice has been obtain by legal counsel and will be used in accord with the severity of the offenses committed against the consumer and permitted by the bureau.

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 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX denied purchasing {$500.00} even after a card payment before the due date. Now the limit has been decreased to less than {$1000.00}. I want Amex to send me by letter a complete explanation about the situation, the reasons, and detailed dates and amounts spent and paid since the account opening. I will submit this to a lawyer that will evaluate the AMEX promotion sent to me and this history for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Two months ago i opened XXXX visa card that promise me rewards for usage. They also promise in advertisement that {$20.00} as credit to account will be given to me after i spent {$500.00} within three first months. On their it's always impossible to redeem my rewards ( even look at them ), for two months the site gives you message that there is technical issues ( see screenshot attached ). I called them three times (! ) and through barely heard voices ( this is feature of company to fool clients ) i ordered my rewards ( over {$20.00} ) and {$20.00} promotional to be credited to my account. They promise me that and even ( upon my request ) gave me confirmation number. Since that - my rewards disappeared from my account but never show up in my balance. ( See attachment as of today ). 
I consider such practice of company as a fraud and ask you to force them to fulfill their obligations. I want my {$20.00} promotion and earned rewards to be posted on my account immediately! And this business must be investigated, because one hour of waiting on hold is not right practice for financial related company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-16 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: EQUIFAX, 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. 

Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX. XXXX  XXXX - account number : XXXX Account name : XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX  - account number : XXXX Account name XXXX XXXX  - account number : XXXX XXXX accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Good morning, I currently have a Wells Fargo Auto loan. I was charged extra fees and I have had my car wrongfully reprocessed while having this loan. As I see, there is now action on Wells Fargos mistreatment of customers, I want to know how I will be repayed for all of the trouble I have gone through dealing with Wells Fargo.

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