vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: CA

Complaint narrative:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$120.00}

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 2022-12-16 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: CA

Complaint narrative:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and Equifax data breaches. I filed a claim with Equifax and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
the credit card company closed my account on XX/XX/2022 without any reason. that time my account balance was XXXX dollars. they closed my account and sent it to collection without giving me a chance to pay XXXX dollars. I try to pay them but they refuse to take the money or send me a bill. then I send them the payment within a month period anyway to clear the account of any balance. 

Now my problem is that they reported my account as ( collection and charge off ) on my credit report. which is hurting my credit. I want them to change it to ( paid as full. ) with no delinquency and report it to Credit 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 non-monetary relief
Consumer complaint received 2022-12-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

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 2022-12-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I dispute the Validity of this debt. I've never done business with 'southwest '' nor signed any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

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 2022-12-16 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: OH

Complaint narrative:
I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from XXXX collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am addressing to you this email after many trials I did to resolve this issue with HSBC Bank. I communicated with them through all channels : by emails, I reached the client service by chat several times ( XXXX ), I called them also by phone.I asked recently to talk to a supervisor. The agent notified that the supervisor will call you back ( XX/XX/XXXX- the day after of my call ) at XXXX XXXX, but unfortunately this didnt happen. 

I am not able to use my money from the US HSBC Account. I tried the wired transfer, it didnt work also I tried the global transfer I am getting the same error since more 2 weeks ago ( e.g., there will be 2 working days before you can perform your transfer ) and the same error is always there till the time i am writing this complaint I reached also the financial advisors assigned to my profile and who worked to create these accounts, unfortunately no feedback and no support. 

Please note I am paying interests on late debts as well as lost many investment opportunities because I am not able to use my own money under the HSBC US accounts. 

I need to investigate this issue, and all parties that are responsible of all this late and unprofessional services must be accountatble and the bank have to recompensate me in times, efforts and money i spent to resolve my problem over all their communication channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a fraudulent/unauthorized inquiries listed on my consumer report that I did not give anyone permission to pull. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strict proof of my consent to furnish this information on my consumer report or delete the items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called and spoke to an agent XXXX to update my payment information as I made an online payment while out of the country with the wrong Finacial institution information. I was informed by the agent that she could not assist me with that, and that I was unable to process the payment and to update information via my mobile device. I explained that I was out of the country and did not have my own personal computer with me. I did share that I would transfer money via PayPal to my former financial institution in order to cover the payment. Later that afternoon, I received an alert on my phone regarding account closure I called back spoke with another agent and asked to speak with a manager. They put me through to XXXX who is an account manager with Synchrony Bank. I explained that I was out of the country did not have access to a computer and wanted to update my financial institution information as well as the fact that I am addressing return items promptly. The account has never gone 30 days past due and expressed also my frustration that I do not have the ability to update the information via a mobile device. XXXX offered to update the information whereas the agent earlier did not offer and told me I had to do it online. XXXX also brought to my attention that there were no documented calls regarding any returned items which to me is problematic.

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 2022-12-16 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: OH

Complaint narrative:
I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Barclays Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Barclays Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Barclays Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Barclays Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Barclays Bank inquiry removed from my XXXX credit report. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Barclays Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Barclays Bank.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a credit card with american express under my current company XXXX. Prior to this, I also had a corporate card with my previous employer, which I closed in XX/XX/2022 when I changed employers. I have been consistently making payments to American Express over the last few months, but my bank has been sending the money to my old account. American Express never informed me of these unallocated funds sitting on a closed card. I have not received any interest on these funds that they have been keeping. Nor did they allocate the funds to the new corporate credit, even though they're under the same profile and same social security number. When I called them to find out what was going on, and I've been charged {$43.00} as a delinquency fee that they refused to waive. 
XXXX. They should have informed me of the funds sitting there in a closed account under the same profile. Contact details are the same. 
XXXX. At least provide an interest income to offset the {$43.00} delinquency charges XXXX. Transfer the money to the right account as its under the same profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16 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: OH

Complaint narrative:
I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

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 2022-12-16 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: OH

Complaint narrative:
I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
They contacted me at XXXX XXXX XXXX XXXX XXXX. Didn't indicate who they were calling for. I called back. They didn't give the standard verbiage that they were required to about collecting debt. She asked me to identify myself. I asked her who she was trying to reach. She told me that it didn't work that way and she would note in her system that I refused the call. She then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022 requesting documentation that I authorize anyone to share my information with a third party company.. I requested things like my signature saying it was okay for them to share my health information but I didnt receive proof and so these accounts need to be deleted

Company response to consumer: Closed with explanation