vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 2023-07-26 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: MoneyLion Inc.
State: OK

Complaint narrative:
Information on reports from when i was a minor caused by people / family using information at a young age i have proof of birth certificate from the age i was in XXXX i would like this removed from my credit report because it is affecting me after I turned of age to have credit

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/2020 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In short, CITI closed my account, told me to wait XXXX days on XX/XX/2023 for my funds. They have not given me these funds and could not give me an answer on where my money was as of XX/XX/2023. The funds in the account are between {$17000.00} and {$20000.00}. The lack of access to my funds is causing XXXX since I do not have access to a large amount of my money which has caused my credit lines to be at an all-time high. Additionally, CITI is still having me make payments on my loan even though they closed my account when they sent me the money. I have a security clearance in the XXXX, and it is very important to have all my financials in a good place. This situation with CITI has been very stressful, and I do not see any justification to them closing my savings account. On top of that, I lost a deposit I had made on a vehicle, since I could not afford to purchase it since I had to prioritize living expenses without access to my hard-earned savings. 

Full story, Earlier this year, CITI Bank pre-approved me for a loan. CITI would not deposit these funds into my checking account, for an unknown reason that at the time I did not ask. I had a savings account with them and they deposited the funds there with no issue. I already had between {$6000.00} - {$9000.00} in the account since I had just sold a vehicle. Then the funds for the loan hit that account. When I was withdrawing my savings to consolidate debt, and only leave debt that was under favorable interest rates, they closed my account with no proper warning. Citi security/customer service reached out to me to confirm some details, but this call left me very lost since the person was very hard to understand and ended the call leaving a lot of questions unanswered. I called again and I was told that there was nothing that can be done. That I had to wait XXXX days for the money to get to me. I have waited XXXX  days and there is still no update on my situation. I offered XXXX XXXX to a branch to get help, but they said nothing can be done and that if I wanted to go in person that it was my choice. I checked, and there is no physical location that is operational in the state of XXXX. At this point it feels like I am just shouting to a void, and CITI is just giving me the run around knowing that there is not much I can do against a bank of their magnitude.

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 2023-07-26 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: TX

Complaint narrative:
The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to XXXX XXXX arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.

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 2023-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX had went to the dentist to get an implant applied for a loan through this website, answered three or four questions submitted that they were all true and then it came back with my loan amount, and the annual interest rate with how much it was asking for a down payment, and How long the term was on my monthly payments. I sent in a deposit of XXXX and it sent me an email back of the contract and terms by a whole different company, a whole different contract and put in my information in that contract that were not relevant to the questions that I asked, or signing off on the contract under me when I consented that the information I gave about myself is true, and then they dont want to oblige by the terms and conditions at all going completely get the contract on the late fees, the return fees and then stating that my grace period time doesnt exist anymore they dont do that, and even if the contract says that then the saying that I was charged a whole different amount on top of what the contract says that amount would be for a return fee, but I never returned anything Im updating my card and Im still on my grace period time. Im waiting for my new card. They havent even attempted to make payment and it says that it would be charge the next month for any late payments or return fees when they try to process payment this month and theyre changing everything and whoevers on the phone is saying that it doesnt matter what my contract says so I dont know and then it needs a receipt number on there. They never gave me one with the receipt number on there so I guess its not even valid. And the forms that they sent me after the fact theyre not even signed. And the ones that they printed me out in the office two are not even signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My checking account is being closed with no reason provided. They have frozen my ability to use my debit card and will not allow me to withdraw money. Its too late to have my paycheck deposited into another account, so all of my money will be in that account tomorrow. My mother just passed away. I need access to my funds so I can make arrangements!

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Hey I never had a issue with them until now I had good reporting and never missed payment I see you guys do this to a lot of Apple users thats not fair theres no reason I need my account and spending balance lifted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got a card with COMENITY BANK/ VICTORIA 'S SECRET on XX/XX/XXXX. 
I was having problems with this card and I decided to call customer service on XX/XX/XXXX in order to pay off my balance, as well I made a request to close my account. The customer service representative on the phone confirmed to me that my account was paid in full and my balance was XXXX. In addition she said that per my request she would close the account. Customer service representative provided me with a confirmation number # XXXX to confirm the closure of the account. Thereafter, a few months later I got a bill in the mail for {$4.00} and I called again to let them know about this bill and for them to correct the mistake. I was under the impression this account was closed. The customer service representative from Comenity Bank apologized to me and reassured me they will fix this mistake and they will fix it with their collection department and make sure it is deleted from my credit. Now we are in XXXX and this Comenity Bank/Victoria 's Secret company has reported late payments on my credit 4 times by mistake. This is affecting my credit and I really need help from the proper department in order to resolve this matter. Attached are all information that proves when I paid off this card and my request to close my account on XX/XX/XXXX. 

my account number with all credit company 's XXXX # XXXX XXXX # XXXX XXXX # XXXX I did some research on consumer rights and regulations. 
Based on 15 U.S code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after the date of receipt. 
It has been 30 days and you are in violation of this law because I am a victim of identity theft!! 

Please delete these items immediately. 

Less than 15 U.S code 1681b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately! 


Thank you for all your help with this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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: TX

Complaint narrative:
XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX Equifax- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CA

Complaint narrative:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XX/XX/2023, XXXX PDT Hello XXXX XXXX Thank you for your patience while this was investigated by our Dev Team. 

As our Development Team has attempted to reimport your credit report, they encountered the same Equifax error, it appears that the issue lies within Equifax 's data or verification process. 

To resolve this matter, I recommend reaching out to Equifax directly once again. Please inform them about the ongoing issue with the credit report pull and provide them with the following error details : Error : Equifax report pull SSN verification has failed Subscriber Number : XXXX Equifax should be able to investigate further and assist in rectifying the problem with their data. Once they have addressed the issue and made the necessary updates, our Development Team will make additional attempts to import your credit report into XXXX XXXX XXXX. 

If there is any specific information or documentation Equifax requires from us during this process, please let us know, and we will be more than willing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
At XXXX pst I missed a call from XXXX labeled Renton Collections and returned the call immediately. I was transferred to XXXX who said the number came up for XXXX. I said okay. XXXX placed me on hold without verifying any information. Then XXXX came back in the line and still without verifying any information said there was a past due medical debt for XXXX with XXXX XXXX XXXX. I asked the full name of the person owing the debt and was told XXXX XXXX. Then XXXX realized she had disclosed without verifying identity and asked me to verify who I am and my name. I terminated the call as this was a blatant violation of the FDCPA. It is illegal to disclose debts to third parties and my name was never even verified by the collector yet she happily disclosed the debt, creditor and party owing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On or about XX/XX/XXXX of XXXX, I received a phone call from Synchrony Bank that I owed them {$320.00}. 

I explained to them that I had paid the remaining balance on that account back in XXXX of XXXX and closed the account. The account was taken out by my wife around XXXX and upon her death on XX/XX/XXXX I had made every attempt to clear out any balances and accounts that she may have had. 

I called Synchrony Bank on XX/XX/XXXX and made 2 payments by phone. One payment was for a monthly payment and the second payment was also made on XX/XX/XXXX for a payoff balance on the account and to close the account. That was the last time I had any contact with Synchrony Bank. 

I remained at my home until I had sold it in XXXX of XXXX. I moved to another town and had all of my mail forwarded to my new address. During this time I had not received any correspondence from Synchrony Bank about any outstanding balance due. 

It wasn't until XX/XX/XXXX that I had received a phone call from Synchrony Bank saying that I owe then {$320.00}. I told them that they were wrong because I had payed off the balance and closed the account back in XXXX of XXXX. 

They have continued to send me letters demanding that I pay them the money. I have also received letters from a collection agency as well. I have been in constant contact with them trying to get this issue resolved, but after sending them proof of payments on the account in question they still demand that I pay them or they are going to report me to all of the credit reporting agencies for non payment. 

I have sent them and the collection company proof of payment 3 times. I also found that Synchrony Bank waited 6 days to process an ACH payment, which if processed at the end of the work day would have shown that the payments were made in full to the account. By them not processing the payments until the XXXX of XXXX, they may have caused the account to get charged additional interest which it shouldn't have been charged. 

The amount was for {$46.00} but because they never sent me a bill or made any attempt to contact me for over a year and a half, the amount grew to {$320.00}. 

This is an error on their part and I or any other consumer should be forced to pay for their people making a mistake. 

Why is it so hard for a Bank to admit that sometimes they do make a mistake and fix the problem? 

I am forwarding a copy all of the letters and all of my proof that I have paid my debts and that I do not owe them anything.

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 2023-07-26 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: IL

Complaint narrative:
I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX XXXXXXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX  on XX/XX/23, XXXX on XXXX Transunion, XXXX and XXXX continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.

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