vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-23 00:00:00
Product: Credit reporting 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 : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX and list of Inquiries. 


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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have had this credit care for dental work done last XXXX ( 2023 ). I was paying XXXX a month. Every time I would make a payment it would say that I'm in the negatives. This card was approved for XXXX dollars, which was taken out all at once for XXXX XXXX. How is it that after a few payments on time my payments jumped XXXX a month. Those few payments I made never paid it out of the negatives. Now they have put this card on my credit report. I was supposed to have no interest up to six months. Now I am almost at XXXX dollars in the negatives when the max limit was XXXX dollars. The negative started with my first payment.

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding is still reporting to credit bureaus that 2 collections are not paid when they garnished my wages and were paid In full and the judgement was satisfied. I have disputed this information several times and they continue to report balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rogue XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following items on my credit report, as I believe they are the result of identity theft XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX XXXX XXXXXXXX, TX, and I reported this issue to Equifax at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally filing a complaint against the three major credit bureaus, XXXX, Experian, and XXXX, for their failure to investigate inaccuracies on my credit report regarding XXXX XXXX XXXX, despite multiple attempts on my part to rectify the situation. Enclosed with this letter are copies of my credit reports from all three credit bureaus, which clearly indicate the erroneous information associated with XXXX XXXX XXXX. Despite my repeated efforts to dispute and correct this misinformation, none of the credit bureaus have taken the necessary steps to investigate and rectify the issue.

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card called my mother and left a voicemail on her phone which is not my phone number, and have never called me about the overdue payment before reaching out to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX XXXX XXXX purchases were made on my credit card from an individual in Missouri. I was alerted by Chase of possible fraud and confirmed with them that I did not make those purchases. Shortly after, the person who stole my account information called into Chase to impersonate me and tell them that I was in Missouri and did make the purchases. They gave this person my personal information. I have filed several fraud alerts to Chase and they have done nothing since, insisting the fraudulent person is me. The charges remain on my account and are severely impacting my credit score. Chase has made no serious attempt to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called leasing office and informed them of the smell and that I saw them enter the unit and assess the XXXX XXXX XXXXXX/XX/XXXX : I sent an email summarizing this and that I would be moving out XX/XX/XXXX : paid entire month of XXXX 's rent and attempted to schedule move-out inspections several times by email, phone, and voicemail. Came to office just before XXXX and dropped off flowers and a card with office staff thanking them for their efforts XX/XX/XXXX : completed move out inspection with assistant property manager who sent me the move-out inspection via XXXX  and was told by property manager and assistant property manager that they would try to release my unit in XXXX XX/XX/XXXX ( around that date ) : called and emailed by property manager/assistant property manager asking that I pay rent owed for XXXX. I explained that we completed the move-out inspection on XXXX and that I don't think rent is owed XX/XX/XXXX : Last email from XXXX XXXX after repeated attempts to resolve the dispute stating my account was closed and sent to collections. I cautioned this and made her/the property manager aware of intentionally reporting fraudulent debt claims. 

XX/XX/XXXX : Received enotice from XXXX XXXX, a debt collection agency for the amount stated by XXXX XXXX. 

XX/XX/XXXX : submitted dispute online w/ XXXX XXXX XXXX and have received no update or correspondence since then. 

I also submitted complaint to the office of the attorney general as instructed for multifamily residences ( not governmental aid-associated ) and response was something along the lines of they do not deal with this type of complaint ; ( they do in counties with population XXXX ) or any perils as a result including loss of productivity, emotional distress, relocation expenses, etc. 

Turns out, the entire state of TN has no tenant-focused attorneys willing to even meet with me. I wonder why? 

I also have reached out to XXXX law firms, paid twice for attorney referrals through the bar association ( they both went to the same firm, which denied me twice, thanks guys, be sure to keep my money, though! ), the office of legal aid ( denied, not at the right level of income to qualify ), legal clinics, attorney friends, attorneys out of state, and read as many self-help articles and journals I could find. 

I expect that if allowed, the debt collection agency may report this claim after XX/XX/XXXX, since I have received no updates on the status of my dispute and no correspondence from the rental property management. 

All of y'all should be ashamed of yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I tried to pay this credit card as I do with all my credit cards before payment is due. Their system had been continuously down. And the only late charged were the one with auto pay.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Company has re-aged my collections accounts in order to fraudulently make the accounts appear newer than they are thus creating a higher impact on my credit rating. This is a predatory practice that creates an undo hardship on my financial well being by suppressing my credit score for years beyond legally allowed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal.

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience.

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction.

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward.

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX 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 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc.
State: NJ

Complaint narrative:
I registered for an account on Tradestation.com on XX/XX/XXXX and the promotion terms stated that I would get {$150.00} if I deposit {$500.00}. I registered with their promotion code " XXXX " on the application. I followed up with them to confirm that I was registered with the right code because several hours later I saw that they changed the promotion terms for {$150.00} for a deposit of $ XXXX. I spoke to them through their online chat and they said " Your account was approved but the promo code was not accepted. '' There was nothing on the website that told me that the promo code was not accepted when I submitted the application. This is illicit because I registered with the correct promotion code and the application was approved. I would have never of known that they would not honor the promotion code if I did not contact them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX, I went to regions bank to reopen my life free access checking account. I previously had a checking here and closed in good faith due to location of branches and house ( travel ). I previously funded new account with same debit card I brought with me today. At least XXXX was required to open account. We it came time for paperwork, the agent told me to go outside to atm instead of swiping my card as usual and per website policy stating a debit card can be used to fund new accounts. ATM was not a walk up kind but drive through. I felt uncomfortable around all the traffic and went back in. She stated I could go to teller to fund it up there. I preceded to go to teller. I handed her the account number and my ID ad debit to fund new account. She took one look at me and said we don't do that here. You have to go outside t atm. Which atm would have racked up fees on both sides for not being compatible with either bank. I told her my cad is a legitimate XXXX  debit with a valid checking and routing number. She asked the teller beside her and she sadno because someone else tried to get all their money off a type of refund tax card th other at. I told her this is not that type of debit card and she didn't even try to swipe my card to see if it could fund my new account preceded to tekl me they updated their policy recently that they wont let anyone who wnars their refund off their cad to ooen a chcking account. I've already been established at this bank. I went to XXXX  after and had no issues with my debit. Thereller at regions didn't eve try ad profild me into thinking it was a fly by night tax card not a legit checking XXXX  debit. I guess because the infux of people getting their refund today, everyone was trying to use region 's to get their money off. Al she needed to do was withdraw XXXX. And I could have linked them later. But XXXX refused assistance and would not try which was absurd to say he least since I was a return customer. Needless to say, I've used the same debit card to fund XXXX years ago with an agent behind the desk with XXXX swipe of it. They were just basically profiling me. An ATM outside by the vehicles is dangerous as well. Not to mention fees associated with neither bank being in agreement. I made sure of these policies before driving XXXX miles to this bank. They accept any valid XXXX  or MasterCard debit to fund new 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