vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: KY

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. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct XXXX XXXX, Acct # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 2022-11-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/SAMS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2022-11-22 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the Equifax data breach and my information may have fell into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am off work on medical leave with no pay due to severe health issues and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!

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 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I Applied for a Barclays JET BLUEcredit card almost three months ago ... ..I didn't get a response stating what was going on so i called... they told me XXXXthey had to identify me... so they told me to fax over my Bill, Drivers license XXXX and the SSN ... .which i did ... ..a month later... .no response ... XXXXso oh course i called again ... and was told they received everything but they couldnt read the SS numbers ... ..which is weird because the copy is as clear as day... so i told them i will send it thru the mail ... .that was a month ago ... ... ... still no response... .I have submitted my documentation twice now ... and included my SS card which i feel is dangerous with all the indentity theft going on... and still no response... .its been three months at this points ... .I JUST WANT ANSWERS

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. DUE TO ID THEFT/FRAUD WE ACCOUNT WAS NOT VALIDATED BY US.I DID SPEAK TO A REPRESENTATIVE PREVIOUSLY AND THERE WAS PAYMENT OF THIS ACCOUNT AFTER XX/XX/2018. I AM ATTACHING THE A COPY OF THE CLAIMS REGISTER AND PAYOUT. IF THE ACCOUNT WA DELETED FROM THE BUREAU WEL THIS WOULD EXPLAIN EVERYTHING. I KNOW SOMEONE LEFT EVIDENCE BEHIND THINKING I WOULD NOT CATCH IT. APPEARS TO BE ANOTHER INSIDE JOB WITH THE SAME TWO ATTORNIES AND TRUSTEE. THE ALABAMA XXXX. ENTITLEMENT XXXX RACISIM AT IT'S FINEST! 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy federal Credit unit claims that I opened an account with them in XX/XX/22 with a balance of over {$2000.00}. I reside in the state of XXXX. I have not opened a credit card account in over a year. Navy Federal credit union closes location to me is XXXX. I have not left the state of MA. I have no knowledge of this account, when how and to whom it was issued, No knowledge of the items bought. I have not been notified by mail of the debt. I have tried to dispute it with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/CARECR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

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 2022-11-22 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: MD

Complaint narrative:
On XX/XX/2022 submitted a dispute letter to Experian by way of priority mail. Acceptance Cutoff XX/XX/2022 XXXX XXXX  Acceptance Time No Data Expected Date XX/XX/2022 XXXX XXXX  Delivery Status Delivered, Left with Individual<br/> Details Account Number XXXX Return Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Delivery Address EXPERIAN XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX Ship Date : XX/XX/2022 From : XXXX Service Type Priority Mail Flat Rate Envelope Experian has never acknowledged my dispute or investigated within the 30 days are required by law. It has been almost 2 months now with no response. I also sent an email and telephoned and a representative would not help me with unauthorized inquiries. My personal information is also wrong. It shows it was delivered to them Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to an individual at the address at XXXX XXXX  on XX/XX/2022 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Left with Individual XXXX, TX XXXX XX/XX/2022, XXXX XXXX  I want the requested information removed immediately. This is stopping me from getting necessary credit needed. I got an email from XXXX XXXX on XX/XX/2022 but he said I needed to call again? Why should I have to keep calling to get resolution. I want this resolved immediately and the incorrect items removed according to my letter and those fraud inquires removed. Thank you

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 2022-11-22 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: KY

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. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX Acct XXXX  XXXX, Acct # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 non-monetary relief
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: KY

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. 

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  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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a phantom debt call from ( XXXX ) XXXX identified as coming from XXXX, CA. They left a voicemail telling me there were pending actions being filed against my property and that someone would be serving me at my home. I was told to call ( XXXX ) XXXX. When I did call I was told they were XXXX and XXXX located in XXXX XXXX which doesn't exist. When I tried to ask for more information I was immediately transferred to someone who refused to answer my questions and just talked over me. The representative falsely claimed I had defaulted on a Wells Fargo credit card in XXXX ( never happened ) and then threatened me by telling me my social security number which really concerned me. Please put an end to this. Thank you.

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 2022-11-22 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I told bestbuy that my packages were not delivered. I looked for it everywhere around my house to see if maybe the driver dropped it off somewhere around the house but I didnt find it anywhere. Unfortunately I dont have security cameras installed around the house to figure out what happened. I tried to receive a refund for the lost packages but the dispute was denied because they received a notification that it was delivered and for another order that I made with them disputed and explained to them that their delivery driver was very rude and didnt even drop off my packages all he did was take pictures of the house while walking back to his car. This is the first time I'm dealing with this with bestbuy can you help 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
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. 

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 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 2022-11-22 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: VA

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. 
XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX XXXX 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 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 XXXX 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