vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: PA

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM VERY UNSATISFIED WITH TRANSUNION THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH TRANSUNION they said they sent out letter to me they have lied and continuously lying perjury on government document

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 2023-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NJ

Complaint narrative:
I received an email alert today XX/XX/XXXXfrom XXXX. After checking what the alert was in reference to I noticed it was for my account being flagged for collections in the amount of {$1200.00} from a collection agency named Enhanced Recovery Co L. I immediately called XXXX to report this debt collection, because it is not me or my debt. The woman I spoke with told me this debt collector is trying to recover a debt for XXXX XXXX XXXX. Ive NEVER had XXXX XXXX XXXX. this is 100 % not my debt. At the instruction of the person I spoke with at XXXX 's fraud dept, I contacted Enhanced Recovery Co L to report to them this is not me or my debt. They then told me the name they had on file was my maiden name from XXXX years ago, and gave me the phone number and email address they had on file, along with a name ( not mine ). They gave me instructions for reporting this debt collection as fraudulent. 
The information they gave me was as follows : the debt collector : Enhanced Recovery Co The company of the original debt : XXXX XXXX XXXX The date the account was opened/closed XXXX The amount of the debt : {$1200.00} They also provided a phone number and email address they had on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: MI

Complaint narrative:
i checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXX  i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXXXXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I tried taking out money from HSBC bank in XXXX XXXX. While trying to withdraw funds the machine only dispensed {$200.00} pesos ( {$10.00} dollars ) and charged me {$7000.00} pesos ( equivalent to {$420.00} dollars ) in atm fees, plus a tax fee of {$1100.00} pesos. Which I understand I would get a fee to withdraw from a foreign atm due to my debit card being from the United States! But upon trying to get my money back from HSBC or my trying to get this resolved thru my Own bank XXXX XXXX XXXX XXXX XXXX help me XXXX get this straighten out. They keep referring me to each other get this resolved. I really need something to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
So my chime accounts what scammed over the weekend all of a sudden today I went to use it and it was declined when I called chime they said they closed my account. Which now my money is on hold and they wont release or reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
TMS allied and servbank, You, have been served and are being sued by me. I have subpoena power. But I also get to reduce my cost and request information directly from you. I demand you provide me with the names of the leadership team in XXXX who decided to enforce contract XXXX despite the promises made prior. 

I demand to know the name of the person who authored the XX/XX/2022 letter to me making promises to cancel, remove from credit bureau and remove at insured. 

I demand to know the name/s of the authors of letters and CFPB responses at the lead counsel office. 

If you fail to provide these names then you are forcing me to file subpoenas and once again stealing money out of my pocket needlessly. 

Regards, XXXX XXXX XXXX plaintiff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For Experian : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Loans : XXXX For XXXX : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXX For XXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
On XX/XX/2023 I tried to close my Morgan Stanley bank accounts, but the online account closure form provided is broken and does not allow me to proceed. Please close accounts XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a credit card used for home improvements with approved vendors ( Synchrony ). I have the app set up for auto pay and it worked most of the time, but sometimes I would get a late notice and have to go into the app to confirm auto pay is still turned on, and then make a manual payment to the balance. Late Fees occurred ; XXXX After the last notification I got about a late payment I confirmed that auto pay was still turned on so I then reviewed my payments to date. Upon reviewing my payments I realized that I had been charged {$41.00} in late fees on the dates listed above. I called the customer service line and eventually requested to speak with a manager. I explained that there seems to be a problem with their auto pay system and that I have been charged the late fees unfairly. I was told there must be an issue with the data I entered for my bank account. My response to them is that the auto pay works sometimes but not all times, and while on the phone with the manager I made a manual payment which the manager saw come in on my account. Ultimately there is no issue with my bank data as auto payments go though from time to time and I can make manual payments.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a credit card issue through Citibank. All the preferences for this account list every transaction document as paperless. I began receiving balance transfer checks for this account. I requested verbally to not receive these checks now or ever in the future. The first request was made over two months ago. The checks began then arriving once every two weeks. I have contacted Citibank multiple times, and told them that under no circumstances should I ever receive these balance transfer checks. Ive been assured on multiple occasions that I will not receive these checks ever again and that my preferences have been updated. I continue to receive these balance transfer checks, And believe that by sending these out my account could be compromised, as these checks could be used if stolen. Citibank seems to have no way to stop mailing me these checks.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

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 USC 1681XXXX the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments. 

15 U.S.C. 1681 SECTION 602A States I have a 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. 
These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.

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 2023-09-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
credit bureau reject to investigate and remove hard inquiries, which was posted without my authorization.

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 2023-09-20 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: LA

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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