vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I received an email from CITI that " Your Citi account ( XXXX ) will automatically close within 60 days ''. It writes " We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' I contacted them on XX/XX/2022, regarding this issue, but they didn't tell me which term I violated. And I was told to wait 30-60 days to get my money back and if I hope to get my money back earlier, I need to visit a local branch. But the closest CITI branch is over XXXX miles away. It is almost impossible. I save more than {$140000.00} in the CITI account and I urgently need my money. There is no way to get my money back earlier!! 

I have two complaints. First, please provide the exact term that I violate. Second, I have the right to take my money back as soon as possible.

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 2022-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have pulled my report and there is an account reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on this account. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022, I sent a domestic wire transfer from Chase to XXXX XXXXn the amount of {$70000.00}. XXXX has restricted my account. On XX/XX/2022, I requested that Chase retail wire transfer dept. recall the {$70000.00} from XXXX and transfer to my Chase checking account ending in XXXX. Chase has not contacted XXXX nor has XXXX sent back my funds to my Chase account. Chase inquiry # XXXX. XXXX case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/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 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 2022-12-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/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 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 2022-12-09 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-12-09 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: TX

Complaint narrative:
Equifax refuses to report my XXXX XXXX  credit card to my consumer report which will give me a POSITIVE history. XXXX XXXX XXXX reports it but Equifax will not report this positive history. XXXX has sent Equifax an off cycle report on numerous occasions and they still refuse to update my positive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
on XX/XX/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX  XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
Issue - Your company is attempting to collect a debt without a contract. 
Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Applicability - Your company is attempting to collect a debt in the amount of {$9300.00}. There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). 

XXXX XXXX is a respected professional in her community and has put a lot of effort into building a positive reputation. The Plaintiff is a resident of Florida, and has worked as a business owner in the community, and at all this time, the plaintiff has enjoyed a good reputation. 
The plaintiff believes that the defendant has been maliciously spreading false and unfounded statements that are causing serious harm and damage to their reputation, misrepresenting their character. 
Under the laws in the State, it is illegal and unlawful for a person to intentionally spread false statements with the intention to harm a persons reputation without factual evidence. 
As a result of the defamatory statement, the plaintiff has suffered the loss of her reputation, shame and caused alleged damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX Synchrony Bank processed a payment for {$4100.00} which was not authorized. The company claimed that I set up autopay for the statement balance which I'm sure I set it up for the minimum payment. I am always very careful. When I brought this to the company, they were willing to issue a check but said that it would take 2-3 weeks for it to process. They were able to fraudulently take the amount electronically and were unwilling to return the amount electronically minus the minimum payment. They overdrew my account and left me without any money to take care of my family and expected me to wait for weeks to receive the unauthorized amount of money they took. Their customer service was able to get the check expedited to 3-5 business days but that still leaves me without money for almost a week. I have had nothing but problems with this company and in a previous instance they charged me a double payment even though customer care said that I would not have to make the second payment. This company has deceitful business practices and should adjust 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 2022-12-09 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: MD

Complaint narrative:
I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: MD

Complaint narrative:
I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes.

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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 non-monetary relief
Consumer complaint received 2022-12-09 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: OH

Complaint narrative:
This letter is concerning Information contained in my consumer reports. Under 15 U.S.C. 1681c no consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss 15 U.S.C. 1681a sec 2 sect a section i states, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be on credit report. 

Transunion is still reporting my transactions and experiences without my permission.

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