vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: IL

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 - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/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 The following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XXXX XXXX XXXX., report number # 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 2023-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
XXXX Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. Wakefield and Associates in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties Wakefield and Associates and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
XXXX - initial complaint This is an additional complaint regarding an illegal repo from XXXX XXXX XXXX XXXX XXXX XXXX after a billing error complaint to XXXX. Repo occurred after XX/XX/22 statement included approximately 2 payments labeled past due but month before statement showed 0 balance past due. Error was brought to XXXX attention and verbally escalated to intent to sending in writing and repo happened after consumer being told that error was fixed and before 60 days were given to submit it writing on XX/XX/22. Illegal repo along with personal belongings being held. Absolute refusal to access to personal belongings. XXXX repoed vehicle and sold vehicle and send demand letter for {$29000.00}. Complaint was filed with Consumer finance. I have now received a demand letter from {$29000.00} From GC Services Limited Partnership identifying themselves as a debt collector. Stating they are trying to collect a debt that I am being accused of owing XXXX XXXX XXXX XXXX XXXX. Information regarding this harassment letter is as follows : GC Services Limited Partnership XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX GC NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is practicing Rackteering committing extortion and coercion violating RICO act. This is a clearly a repetitive behavior that has already been addressed by the consumer financial protection agency that identified XXXX guilty of hundreds of illegal repossessions as well as other things. This is a true example of this criminal organization engaging in a repeated illegal behavior. This should be investigated by those who have not accepted bribery from these criminals who have some reason to believe that they can violate the RICO act, not adhere to Consumer Protection Law, and expect no consequences when continuing criminal behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I carefully viewed my credit report thoroughly and asked the credit bureaus for a thorough investigation to make sure everything on it was complete and 100 % accurate according to 15 USC 1681i ( 5 ) I have waited 30 days + and received my investigation and notice everything was still the same. The consumer reporting agency which is Transunion did not modify or removed anything from my credit report. 

The dates open are not correct, dates last active are also incorrect, and dates of last payments are also incorrect. All in all, the information is inaccurate. 

Which is a violation. This is impacting me from moving forward in my life to buying a home for my family and providing them a great lifestyle I never had. 

I have attached some previous reports to show how Transunion has violated my rights.

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 2023-02-26 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: U.S. BANCORP
State: WA

Complaint narrative:
us bank has been reporting the wrong information my name is XXXX not XXXX and is effecting it negatively acccount : XXXX i would like wrong information to be deleted off 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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I made a purchase in XX/XX/2023 but did not receive the service I paid for I tried to solve the issue with the company they laughed at me they were very disrespectful so I disputed it with my credit card company which is Discover card I put in a dispute I asked them could they request the recording they told me yes after they closed the first dispute not ruling in my favor I called them and they denied telling me that it was on a recorded line I re opened the dispute and supplied my documentation they have again closed the dispute i know they are not reviewing my dispute properly I have been robbed of my funds charged for a service I did not receive I would also like to file on the company I paid as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. XXXX XXXX XXXX in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties XXXXXXXX XXXX XXXXXXXX and TransUnion

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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. 

Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution.

Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute.

I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer.

I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX I contacted company to discuss parameters for removing me from loan that I had not consented to. They advised that there were no options available for me at this time and that I would simply have to wait for car owner to make changes independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.

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 2023-02-26 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: IL

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 - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXXXXXX Account -XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/XXXX XXXXXXXX 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 The following addresses are also in violation of my consumer rights : Address 1 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: IL

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 - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXXXXXX Account XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/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 The following addresses are also in violation of my consumer rights : Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # 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 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX and XX/XX/2023 I tried to make 2 payments on my PayPal credit account and they rejected both payments and told me I did not have the funds in my account to pay which was false information with bank statements for evidence. They tried to charge me a fee for a late payment and returned payment but ultimately waved these fees and then they closed my account and hurt my credit score with no explanation and no contact about this information. Now my account is closed with a balance and they gave no reason why.

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 2023-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
All accounts reporting to credit bureau surprise medical billing and medical billing under XXXX dollars

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
This account is in violation of FCRA. This account is CLOSED but still reporting a monthly payment of {$47.00} with a past due balance of {$64.00} and an overall balance of {$220.00}.

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 explanation