vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: TX

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had an unauthorized hotel charge a month in advance of the stay in the amount of {$1000.00} which placed my Navy Federal account into the negative, the hotel has cancelled the reservation and release the funds on there in but NFCU will not make my account positive until XX/XX/XXXX or XXXX per XXXX a supervisor today ; which has placed me in a financial hardship while traveling out of town. 

I applied for over draft protection for a second account before XXXX XXXX and a debit card associated with the account the rep assured me she was moving forward with placing overdraft on this secondary account effective after the holiday I received the debit card but find out today the overdraft protection was never set up on this second checking account, this could have eased my financial burden due to the unauthorized {$1000.00} charge and the primary accounts negative status, but to no avail. 

Audible has apprised me they have sent back additional monies to my Navy Federal account which NF indicates it is still not showing which amounts to over {$200.00}.

I have an accident claim which has paid and will post {$350.00} to my account this money could give me relief but it will fall into the negative account NF has been unwilling to resolve in a timely manner. 

In as much as I have submitted documentation to Navy Federal Credit Union showing the XXXX XXXX was cancelled and spoken with a supervisor NFCU refused to take additional mske my account positive my deposit of {$350.00} came into my account which would have assisted me while out of town but now my money is gone devoured by the black hole of a negative unauthorized account that NFCU refuses to resolve. 

I never removed the oops off of my second checking account in XXXX the supervisor today did not try to help me submit the application for it again although her colleague failed to do so last month ; she stated I could not apply because my account was in the negative well ego has it this way? Navy Federal its double jeopardy. I have been with them since XXXX and are very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank charged me {$16.00} for having a XXXX balance on my Amazon store card. I paid off the card the previous pay period and had not used it as I am trying to pay down my credit card debts because the interest charges are too high and I'm living pay check to pay check right now. 

So, I closed the account. One week later, Synchrony cancels the other store card I had for Guitar Center ( musical instruments only ) which also had a XXXX balance ( because I had paid it off and had not been to that store in a while ) and gave the following reasons : 1. Your credit score : XXXX XXXX. Lack Of Real Estate Secured Loan Information 3. Balances On Accounts Too High Compared To Credit Limits And Loan Amounts 4. Too Few Accounts Paid As Agreed 5. Not Enough Balance Paid Down Over Time On Installment Accounts All of these reasons are falsehoods. When I checked my credit score as of today, XX/XX/XXXX. It was XXXX to XXXX, and I have XXXX unpaid debts, and XXXX late payments, and all my loans have been paid according to the agreements. 

In addition, both XXXX and XXXX noted that Synchrony having canceled my credit for the reasons they stated would hurt my overall score. 

This is predatory lending in addition to causing real harm to people living on a shoe string budget. It is not fair that the poor are punished by being charged unfair fees and high interest rates while the rich are given unlimited credit with minimal fees and low interest rates.

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 2023-06-07 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: NC

Complaint narrative:
XXXX XXXX, 2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: NC

Complaint narrative:
XX/XX/2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Today XXXX I received a letter from Synchrony Bank stating that a credit application had been denied back on XX/XX/2022 and listed a XXXX XXXX that was incorrect to my credit score. 

I immediately called the company was transferred multiple times with no resolution. After asking for a manager several times I was passed off to XXXX and told they were the ones who provided the incorrect information and this was based on a review of my closed account with them. I told them this doesnt make sense because this letter is stating that I was denied for a credit card I did receive and that was closed due to inactivity. I also asked once I contact XXXX XXXX they advise of my correct score and it does not match listed score who do I contact then. Representative hugged and did not answer my question and requested I contact XXXX XXXX I did contact XXXX and they did confirm the reflected XXXX score was not correct on their end and they would not have reported that. 

I called Synchrony Bank back and told them this information and was basically told they could not help me and I would have to submit written confirmation and now they could not see this letter. 

Claim XXXX  with XXXX is XXXX Synchrony Bank Did not provide a reference number to any of my calls just that I spoke with XXXX Rep 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 2023-06-07 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: CA

Complaint narrative:
A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of 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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I tried to transfer money from my account. I was told that it had been labeled inactive, so it needed to be reactivated before I could access my funds. I was told that i need to send a letter to a XXXX XXXX office to process the request. Thta was a week ago. I have been on the phone with customer service daily. No one can tell me if the letter has been received or processed or when I might be able to receive my money. They provide no help at all and refuse to put me in contact with someone who can. There is an urgent timeline, as the money is needed in two weeks to close a home loan.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Trying to use the customer chat bot is a joke!! Its ineffective and frustrating. The limitations of its answers are terrible. The answers given are NO help.

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 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I saw that this bill was added to my credit report, I have never received this bill. I called PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 XXXX and explained to the lady on the other end that I have never received a bill and that it wasn't my bill. I was seen at the XXXX around that time and I paid my bills. I requested the original bill. On XX/XX/23 I received a letter in the mail, with a generic print out, no even from the original creditor. 
I called back to PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 and told the man I spoke with that this isn't my bill and I want to see the original bill, he told me he would request it and its now XX/XX/23 and I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
On XX/XX/2023, I sent a validation of letter to Professional Collectors. I did not receive a response. 

Professional Collectors have been adding fees and/or interest to my medical report. On XX/XX/2023, the amount was {$23000.00}. On XX/XX/2023, the new amount was {$24000.00}. 

Professional Collectors should not be collecting any interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX opened an account w a bill collector for me and Ive never received a letter about the debt being owed. Its with first credit services with a balance of {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH EXPERIAN AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Tesla, Inc.
State: FL

Complaint narrative:
I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 6 months I haven't got any money from them went to the dealer 4 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. As I took Auto loan I am paying interest for this XXXX $ dollars and it's been 6 months. 
They keep saying check has been mailed and it has been more than 2 months and I havent received the check no courier such a long time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I was notified by the company Transunion that They have received my information and my dispute letter. Still, unfortunately, they could not investigate it since they think I did not correctly authorize it and they think it was by a credit repair company. 
I've been dealing with this same XXXX  issue with Transunion for months, I'm starting to get frustrated and annoyed because I now feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time i send a letter I got the same response back???? 

Please advise and help me fix 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 non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
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 XXXX XXXX Account # XXXX Open Date XX/XX/2021 Balance {$140000.00} ( 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 2023-06-07 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07 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: MD

Complaint narrative:
I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH XXXX AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

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 2023-06-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH XXXX AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with Equifax, but both XXXX and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. Equifax has removed the Public Record of the Bankruptcy I was forced into by my XXXX and the student loans I was forced to take by my XXXX I can not get the other bureaus ( XXXX and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.

Company response to consumer: Closed with explanation