vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY! 


These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY!

I have attached my Identity Theft 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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A credit card for XXXX XXXX XXXX, through Synchrony Bank, continues to not send me paper statements, even though I have not signed up for paperless statements. I know this because Synchrony seems to be the only bank that denies customers the right to view a pdf file of their statement unless they sign up for " eStatements ''. I have sent multiple internal messages to Synchrony trying to resolve this problem. I have not received paper statements for four months, nor can I reprint a statement. Internal responses to my messages claim that there is a " temporary hold '' on my account, for an unknown reason. There have been no other attempted purchases on this account by me or any members of my family. This account also has a deferred interest plan, so if I miss a payment, or do not pay the balance off on time, they will charge me interest. I feel like this is an ongoing attempt by Synchrony for us to miss a payment and charge us fees and interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: GA

Complaint narrative:
I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: UT

Complaint narrative:
Equifax and XXXX XXXX continue to ignore my requests to correct the dates which are incorrect. I've sent the info to XXXX XXXX directly several times & to the CFPB for both Equifax and XXXX XXXX. Yet the dates reported continue to be dispute rather than paid and closed dates. Equifax has lowered my score with their inaccurate reporting. XXXX XXXX could care less. They don't want to fix it and I've tried several times going to them, then to Equifax. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and Equifax continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet Equifax and XXXX XXXX keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against XXXX XXXX with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against AMERINAT- Loan Servicing company for and XXXX  XXXX regarding their treatment of me as a borrower. I believe that AMERINAT and XXXX has engaged in several practices that are unfair, deceptive, or otherwise illegal. 
I'm a XXXX XXXX XXXX XXXX XXXX  and my medallion loan was transferred by my original lender to XXXX and Amerinat - Loan servicing company. 
Firstly, when the COVID-19 pandemic hit, the lender contacted me over the phone /email and offered a modified payment plan that allowed me to make reduced payments for a period of time. However, on XX/XX/2023, statement, I discovered that the modified payment plan has caused my loan to mature earlier than originally scheduled. The lender did not adequately inform me of the impact that the modified payment plan would have on the maturity date of my loan and did mail the XXXX bill on time. As a result of the short notice, I had to borrow money from private individuals at a high interest rate in order to pay off the loan and the closing costs. This has put me in a difficult financial position. 
Secondly, AMERINAT overcharged me for closing costs associated with my loan. I believe that these fees are excessive and do not accurately reflect the actual costs associated with the loan. I have attempted to resolve this issue. 
but have not receive a satisfactory explanation for the closing cost. I received. 
a statement that the lender had reallocated my principal and interest. 
payments for prior years in a manner that is not in line with the terms of the loan agreement. Specifically, a greater percentage of my payments was. 
reallocated towards interest than principal. This reallocation of payments is a violation of my rights as a borrower. 
I would also appreciate any assistance that the department can provide in resolving these issues with the lender. As a borrower, I expect to be treated fairly and with transparency, and I do not believe that Amerinat has lived up to these expectations. 
Thank you for your attention to this matter. I look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
I was shopping online for cotton clothing. After my purchase, new items displayed ( cotton ) and I thought I was still on same site but in actuality, I discovered, after I made 2 additional purchases, that I was on a different site, namely XXXX. When I got the the first delivery I realized XXXX were scammers and contacted them to cancel the 2nd order and return the first. They wouldn't let me. They said the 2nd order is on its way, and I will only get refund if I ship to XXXX. I contacted Citi Bank to displute both chareges : 1. XX/XX/23, {$74.00}, XXXX XXXX WA, dispute # XXXX 2. XX/XX/23, {$89.00}, XXXX XXXX WA, dispute # XXXX Citi contacted the merchant and decided in their favor. 
I wrote Citi again explaining the merchant used canny methods to get me to buy ( pretending to be another company online ) and then wouldn't let me return the goods for a refund in a reasonable manner ( without paying shipping cost from US to XXXX ). 
I looked up the merchant on the XXXX and it has many reports of scamming, it has a rating of F, but still Citi sided with the merchant only because the merchant is wise enough to have all the required information to show the bank they are legit. 
I have been a Citi card holder for the longest time and I expect they will protect me in the case of such a scamming merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of the XXXX data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MI

Complaint narrative:
I paid XXXX for the company self financial to have my account I closed the account XX/XX/XXXX and they were suppose to deposit my money in 10 business days and they have yet to do it and then when I called they keep saying they are holding it and refuse to give a date and tried to say it was fraud so I sent them my drivers license, ss card, business bank statement, business license with my name and business name on it a photo of the card used a photo of myself and they are still refusing to release my money. I have asked several times and they will not give a date or anything and I personally closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I AM SICK ELDERLY WOMAN AND I GOT SCAMMED FROM FRAUD SUPEONA TO MY M & T BANK ACCOUNT I TRIED CALLING THE MUNICIPAL COURT AND WAS TOLD I NEED TO IMMEDIATELY TELL MY BANK BECAUSE THEY HAVE NO RECORD OF ME AND THE NAME AND PLACE AND PHONE NUMBER GIVEN TO ME IS FAKE A MAN SPEAKS BROKEN ENGLISH AND REFUSED TO ANSWER MY QUESTIONS OF WHY WAS MONEY SENT TO THIS PHONE NUMBER AND PLACE NAME COURT XXXX XXXX {$1000.00} XXXX XXXX NJ XXXX XXXX XXXX XXXX SHOWED UP ON MY ELECTRONIC STATEMENT AS NJ WRIT BUT BANK REP SAID IT WAS NEW CENTRAL FINANCIAL I CAN NOT FIND THIS COMPANY ON INTERNET PLEASE INVESTIGATE THIS FOR ME I DONT KNOW WHO TO TURN TO I SUFFER FROM XXXX XXXX XXXX XXXX AND XXXX  AND I AM ON FOOD STAMPS I NEED HELP TO INVESTIGATE THIS MY XXXX  WHO WATCHED OVER ME HAS PASSED AWAY SO PLEASE CAN YOU INVESTIGATE THIS FOR ME XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed the change orginally when I only spunt XXXX on a ring and maybe XXXX or less and instead of being at XXXX or XXXX I was left with XXXX and the told me nothing was wrong and because they changed my documents my numbers on the solution sheet ( the summary account summary ) I was left looking as if Im accusing the Bank of America company! I just want my money bank that they took from me Im owed at-least XXXX dollars for fees and an additional XXXX for theft and pain and suffering! and XXXX be satisfied with those further taking actions to make me the perfect citizen who was under attack so I can further more open up an account with an credit union! Something more professional and safe. Im sure if you pull up ip files etc Im not wrong my number is I was unaware about credit unions unTill this last time I closed out my bank and I had to complain to family for emotional support and it really bothered me till they gave me new advice and told me XXXX day theyll probably have an opening hearing about this and I seen it in the news yes today is my lucky day. Feeling great already thank your staff! My name is XXXX XXXX XXXX ready to receive a check form of payment for a response. This happened XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 

XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NH

Complaint narrative:
I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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 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 2023-07-17 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: NH

Complaint narrative:
I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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. 
1. XXXX XXXX account # XXXX 2. XXXX account # XXXX 3. XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 5. XXXX account # XXXX XXXX. XXXX # XXXX 7. XXXX # - XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXXXXXX # 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 2023-07-20 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-07-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation