vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: IL

Complaint narrative:
This is in response to the complaint that I have filed with your company as well as my previous disputes with all XXXX credit bureaus. These issues have not been resolved per my satisfaction no per the any FCRA requirements and this will be my last request before I file a lawsuit agains you as well as these reporting agencies.

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 2023-06-15 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: SC

Complaint narrative:
I am disputing all of the inaccurate information that I found on my credit report. These accounts are not verified and no method of verification was provided to me. Please remove all inaccuracies because it is a defamation to my reputation.

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 2023-06-15 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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding late payments on my credit report and to request assistance under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), which aims to alleviate the financial burden faced by consumers during the COVID-19 pandemic. I kindly request your intervention to have these late payments removed from my credit report.

Due to the unprecedented circumstances brought about by the COVID-19 pandemic, I experienced financial hardship, which led to late payments on my accounts. As a responsible consumer, I diligently made efforts to communicate with my creditors, explain my situation, and seek assistance or alternative payment arrangements. However, despite my pr

oactive approach, these late payments were reported to the credit bureaus, resulting in a negative impact on my creditworthiness. Under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), consu
mers who have been affected by the COVID-19 pandemic are provided with certain protections and assistance. This law specifically requires furnishers of credit information to report accurate and fair information regarding consumers affected by the pandemic. It is my belief that the late payments reported on my credit report do not accurately reflect the financial challenges I faced during this difficult time.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the late payments are removed from my credit report in accordance with the COVID Relief Law ( 15 U.S. Code 1681s-2 ). The removal of these late payments will help restore my creditworthiness, allowing me to rebuild my financial stability during the ongoing recovery from the COVID-19 pandemic.

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and providing relief during challenging times. I trust that you will review my complaint thoroughly and take the necessary steps to ensure that my credit report accurately reflects the impact of the COVID-19 pandemic on my financial standing.

Thank you for your attention to this matter. I look forward to a favorable resolution and your assistance in helping me navigate through these difficult times. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: CA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding late payments on my credit report and to request assistance under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), which aims to alleviate the financial burden faced by consumers during the COVID-19 pandemic. I kindly request your intervention to have these late payments removed from my credit report.

Due to the unprecedented circumstances brought about by the COVID-19 pandemic, I experienced financial hardship, which led to late payments on my accounts. As a responsible consumer, I diligently made efforts to communicate with my creditors, explain my situation, and seek assistance or alternative payment arrangements. However, despite my proactive approach, these late payments were reported to the credit bureaus, resulting in a negative impact on my creditworthiness.

Under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), consumers who have been affected by the COVID-19 pandemic are provided with certain protections and assistance. This law specifically requires furnishers of credit information to report accurate and fair information regarding consumers affected by the pandemic. It is my belief that the late payments reported on my credit report do not accurately reflect the financial challenges I faced during this difficult time.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the late payments are removed from my credit report in accordance with the COVID Relief Law ( 15 U.S. Code 1681s-2 ). The removal of these late payments will help restore my creditworthiness, allowing me to rebuild my financial stability during the ongoing recovery from the COVID-19 pandemic.

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and providing relief during challenging times. I trust that you will review my complaint thoroughly and take the necessary steps to ensure that my credit report accurately reflects the impact of the COVID-19 pandemic on my financial standing. 

Thank you for your attention to this matter. I look forward to a favorable resolution and your assistance in helping me navigate through these difficult times. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: IN

Complaint narrative:
I have disputed the new collections account with Equifax. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report and noticed that there are 5 accounts from Medical Data Systems that have not been verified. I requested validation of the alleged debt and did not receive anything proving that these accounts belong to me. I also noticed that these accounts are reported inaccurately which violates my right to have a 100 % accurate consumer report. Furthermore Medical debt must be properly investigated and the method of such investigation is hereby requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: LA

Complaint narrative:
Have some accounts that arent mine and I have attached my dispute letter along with my ID and social security card along with a copy of my FTC. I been trying to get this company to get this taken care of but every time I call i gets routed overseas and no one can access my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
On XX/XX/2023, my Marcus ( by Goldman Sachs ) GM rewards credit card account was closed for no apparent reason. I spent over two hours calling and chatting with card specialists who told me that I failed to agree to some document that none of them could produce. They would not re-open my account nor would they allow me to apply for an new one. Then I tried applying for their business card. They approved the application on XX/XX/2023 and sent me a new card. I activated the card per their instructions but on XX/XX/2023 they sent me an email closing my account... again, with no explanation. I called and asked for a reason and they simply told me it was " regulatory. '' There is discrimination going on here and that's why they won't give me an honest answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: 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 {$910.00} XX/XX/XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$9800.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a bank account with Fifth Third Bank. Due to my medical condition, I was unable to check my account and discovered fraudulent charges had been made, causing my account to go into the negative. Instead of assisting me, the bank closed my account, claiming it was overdrawn. However, they failed to take into account that I was in the hospital and that there were fraudulent charges on my account. 
My banking details are as follows Account Number : XXXX Fraud charges details XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$480.00} XX/XX/2023 -- - {$200.00} XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$100.00} I noticed that all the charges on my account are from a company called XXXX XXXX. However, I did not make any transactions with this company and never authorized them to charge your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is 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
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I turned off overdraft on my Wells Fargo debit account over a year ago. There were some bills charged to the account that I was unaware of and they were approved by Wells Fargo despite overdraft being turned off. They have charged me 7 overdraft fees totaling XXXX for payments that should not have been authorized

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 2023-06-15 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: TX

Complaint narrative:
Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.This account is a result of identity theft. Account name : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete this item IMMEDIATELY! I have attached my identity theft report. This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation if I take this to court. You are in willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Teletrack do not want to this matter to go into a court of law as I am litigious consumer. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Beginning in XXXX of the year XXXX. I made application to " XXXX XXXX XXXX XXXX '' for a unsecured personal " LINE OF CREDIT ''. I assumed I was approved for the unsecured personal " LINE OF CREDIT '' and was aware of the draw period would be for 20 years ending in XXXX of the year XXXX. The only document I signed at the branch office in XXXX of the year XXXX was revealed to me in XX/XX/XXXX, when I went to the same branch location of now " WELLS FARGO '' to make application for a refinance of the existing " LINE OF CREDIT '', well in advance of the XX/XX/XXXX maturity date. The banker taking my application made a phone call to have faxed to his office the needed paperwork. I was shown a just faxed, " XXXX XXXX XXXX XXXX-PRIME EQUITY LINE AGREEMENT '', dated XX/XX/XXXX. I have been debited for almost 19 years according to a security agreement without ever signing any other documents. I continued with my automatic payment withdrawals until " WELLS FARGO '' stopped taking monthly payments after XX/XX/XXXX. The Pandemic occurred, " WELLS FARGO '' finally realized, in XX/XX/XXXX, what I told then since XX/XX/XXXX, that they did not have a Mortgage on the Primary Residence. I made them a settlement offer that benefits all, they declined.

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 2023-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am talking abou Transunion now. These guys are just crooks. My credit score was at XXXX with 17 % total credit usage. I am back up to 30 % which is recommended and I lost XXXX on my credit report. I never gained XXXX pts for good work. 

Wonder why people are losing their minds out there. All my accounts are paid on time. Theres no reason to do this. I understand XXXX pts but XXXX? Thats a joke. 

Look at my credit report and see what I mean. 

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