vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

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

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX 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 instructio

ns 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 he 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 2022-10-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 he 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This JCPENNY account is paid in full in XXXX and reported to my credit 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 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: KY

Complaint narrative:
I lost my debit card ordered a new one. On the app it forced me to show my License because my account was locked now. I emailed support and sent them a picture of my license, multiple pics of me, my social security card, birth certificate, and a picture of my Veterans ID and Ive been emailing them all of this information from the email I have on file with them. Theyre holding my money and wont give me access to my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Credit Card company closed my account due to an error on their end. I did not close the account and i do not want to close the account. I have a current complaint issued with them on this matter. They are now reporting on my credit report that the account is closed and that the customer closed the account ..... Which is false. I did not close the account.

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 2022-10-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. 

I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. 

This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. 

The accounts must be permanently deleted if they are not 100 percent correct and accurate.

Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. 

I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. 

Please stop violating my rights to a true and thorough investigation. 

Sincerely, 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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Deleted consumer twenty two plus year credit history. Repeated offense. Denied access to credit report after receiving consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

Complaint narrative:
Equifax keeps reporting inaccurate information to my credit report which is harming me and costing me higher interest rates. They refuse to investigate properly and are taking XXXXXXXX XXXX XXXX word for truth instead of investigating properly, because I know for a fact that I do not have a contract ( wet blue ink signature ) with the company they are falsly reporting on my file. I am reporting this here with the CFPB to scrutinize the legitimacy of an errant account that Equifax claims I owe on my credit report compliant with FCRA, Fair Credit Reporting Act. As expressed in Section 609 of the FCRA, I have the account listed below that is errent, inaccurate, wrong and unverified : XXXX XXXX  XXXX, I have made NUMEROUS attemps to contact this company for validation and no response. This is how I know EQUIFAX is not reporting accurately. I assume that EQUIFAX is making PROFIT from this company to report inaccurate information to my credit report which has harmed me personally. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. THIS IS WHAT EQUIFAX IS DOING!!! I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it with wet blue ink is how I sign always ) that you have reported on my file for the account you listed as XXXX XXXX  XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account you listed as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America contacted me Friday, XX/XX/2022 and left a message to inform me they had cashed a check written by me from my XXXX account that appeared to be altered. The message asked if I had written a check to XXXX XXXX in the amount of {$4000.00}. 
When I was able to reach someone on the following Monday morning, XX/XX/2022 I told them that the check had been made out to the XXXX XXXX tax collector, XXXX XXXX. The person at Bank of America told me to report the claim to my bank. I reported it to my bank and filed a police report. 
XXXX XXXX has been unable to get a response from Bank of America despite numerous attempts. I have tried to contact Bank of America but can not access their customer service or fraud division because I do not have an account there. The automated system will not allow me to speak to a human without entering my account number. 
XXXX has sent me a message that because they can not get a response from Bank of America, they are going to drop my claim. 
I do not accept this because Bank of America was the entity that first noticed the fraud. Now they refuse to respond. This is a lot of money for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
DENYING ACCESS TO CREDIT REPORT AFTER FILING COMPLAINT ALLEGING DISPUTE AS REASON FOR DENYING THE CONSUMER ACCESS TO THE 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 2022-10-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 at approximately XXXX XXXX, I accompanied a friend and XXXX military veteran to look at cars at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. We were assisted by XXXX XXXX and test-drove two automobiles. We asked XXXX XXXX if she could guarantee that any inquiry would not exceed a two-point loss to our credit and that no other companies would have our information shared and/or allowed to inquire about our credit and she stated that only XXXX would have permission to inquire and they would only review the information authorized by one inquiry from XXXX we agreed to XXXX The unauthorized inquiries were from XXXX XXXX XXXX, XX/XX/2022 XXXXL XXXX, XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IA

Complaint narrative:
I received a debt letter from a 3rd party company that was sold debt by XXXX. My account had been closed with XXXX because they locked it saying I had an inappropriate caption on a photo. They can't require me to pay membership fees for an account I can not access, so I set up a block on my bank account to stop the fees coming out. I have no business relationship with this 3rd party who was sold debt I don't owe, so I am not paying it.

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 2022-10-08 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: OH

Complaint narrative:
These are the current unauthorized hard inquiries that are listed on my Experian credit report. These hard inquiries do need to be removed from my credit report. ( 1. ) XXXX XXXX ( 2. ) 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 2022-10-08 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:
XXXX, A LESS THAN RESPECTSBLE COLLECTION AGENCY HAS BATTERED AND BARRAGED ME RAGRDING A DEBT I DO NOT OWE AND HAVE LISTED BOTH IN A REPORT TO THE FTC AND A REPORT TO THE CREDIT COMPANIES THAT THAT ACCOUNT WAS RIDDLED WITH UNATHORIZED CHARGES AND SHOULD BE CREDITED AS XXXX. IT IS PART OF AN ID THEFT CASE GOWING AS FAR BACK AS 2018. THIS IS SIMPLY XXXX AND A VIOLATION OF THE FAIR DEBT COLLECTION ACT AND FCRA. 

IN ADDITION THEY CONTINUE TO DISPLAY XXXX A PROGRESSIVE INSURANCE COMPANY FOR {$400.00} THAT HAS THE SAME ORIGIN. BOTH HAVE BEEN REPRTEDTO THE FTC.

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 2022-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I bought an air ticket on XX/XX/XXXX from a ticket agent XXXX using my Capital One credit card for a two way trip from XXXX York XXXX NY to XXXX ( XXXX date XX/XX/XXXX ). The flight was canceled before the flight date by XXXX XXXX due to Covid. I called the agent and was informed that a refund would be issued but I had never received it. 

I filed a dispute with Capital One in XXXX and received a temporary refund from Capital One but eventually the refund was reversed back to the merchant. I received a note from my Capital One online account in electronic form ( not paper!! ) regarding the decision. 

The case number for the dispute is XXXX. 

I called their customer service upon finding out the decision and was informed by the customer service representative that the merchant claimed that they needed more time to process the refund. And I specifically asked the rep if I could still dispute the charges if the refund did not come through later. The rep said I could file a complaint again if the refund did not come through later. She did not mention anything of the sort that I needed to send in more paperwork to extend the dispute. 

In XXXX I still did not receive the refund so I called Capital One. Then I was informed that I could not dispute the charges anymore. 

Enclosed please find a letter I received in electronic form ( PDF ) around XX/XX/XXXX on my online Capital One account. In that electronic letter it mentioned : " Please fax the requested information to XXXX, and allow 10 business days for us to respond. If you're unable to respond by fax, please send us the requested information in the enclosed pre addressed envelope, and allow 15 business days for us to respond. '' I have never received any pre-addressed envelope. 

On another note, enclosed please also find a screenshot from the XXXX site. It declared it had received the refund from the airlines. I had contacted XXXX XXXX and their reseller XXXX for the refund but with no result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 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: WI

Complaint narrative:
Data breaches my personal information was breached 2017 Equifax credit report engagement # XXXX Case # XXXX Data breach claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I make a deal with a XXXX for rent an appartment. So long short story, when the moment that I have to meet the XXXX at the appartment came, he never show up, and when I XXXX his email and his phone number, I saw a XXXX XXXX with the exactly modus operandi of the scam. The appartment never was available, never was renting, a totally scam. But at the moment we found that it was a scam we already transfer him the security deposit and first rent month {$4000.00} ( XXXX XXXX XXXX pesos ). so Im writting this cause maybe my money is gone but I transfer that money to a Wells Fargo account, so theres the information of an account that is commiting crimes and scams, because I wasnt the firstone. I really expect that you can help me. Maybe not with the money but at least to find out the scammer and see what else we can do with that account info

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 2022-10-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX is the Dispute Number. 
XX/XX/2022 -- XXXX {$6100.00}. 
XXXX XXXX -- CITI IS SIDING WITH XXXX DESPITE THE MULTIPLE PROOF THAT SHOWS ITEMS WERE RETURNED AND SAFELY DELIVERED TO XXXX. 
-- -- -- -- -- -- -- -- -- -- -- I Returned a Purchase to XXXX and had to fight them for a refund, even though tracking and every possible details confirms the Item was received as well as their returns Portals. 

I disputed with CITI and they have done a very poor job. I Provided them with Proof Of Delivery PDF from XXXX website, I provided them with a Screenshot of the order details on XXXX that states " Your item has been received and Refund will be processed '', I sent them emails from XXXX XXXX confirming that the item has been returned but for some reason Refund hadn't been issued. I provided them an invoice and statement from XXXX saying they " issued a refund '' but clearly wasn't. I provided CITI with every possible Proof, pictures. screenshots, statements, everything that I could possibly send and twice they have sided with XXXX. 

The first time they sided with XXXX and I had to go on a two month drag with XXXX before they finally refunded me, however I was only refunded for one of the items. I sent the screenshot of the email sent from an XXXX XXXX saying that I would be refunded for both items, but only received a refund for one. 

I redisputed the transaction and Yet they have concluded that despite every single details I sent them, that they are going to do a XXXX poor job of ignoring the facts and siding with XXXX. 

I REFUSE TO BE LIABLE FOR AN ITEM THAT HAS BEEN RETURNED TO THE MERCHANTS. THIS IS A DISPUTE GOING ON 4-5 MONTHS NOW AND HOW THEY CAN BE SO XXXX IN THEIR DECISION MAKING DESPITE THE FACTS IS ABSOLUTELY BENEATH ME. 

I don't know if it's because I am a new customer but quite frankly once this is resolved I will be closing my card with them as they proven they are not in it for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief