vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: AL

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.XX/XX/XXXXAccounts- XX/XX/XXXX XX/XX/XXXX( Acc. # XXXX ),XX/XX/XXXXXXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX It was placed for collection and I did not receive any letters from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-17 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-17 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: NC

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. 

XXXXXXXX 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 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 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have sent letters to both XXXX and XXXX on regards to the collection agency with false claims of having an account with them knowing that I do not have any signed contract with southwest credit solutions and they have failed to provide any paperwork or signed contract with them.I sent dispute letters to XXXX and XXXX on XX/XX/2022 and also on XX/XX/2022 and they still have failed to correct the issue and remove the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act this credit institution or bank has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: SC

Complaint narrative:
I see inquires on my credit report that I dont know what they are. More than one. XXXX XXXX XXXX XXXX XX/XX/XXXX. I dont know what that is and I didnt inquire anything from them. As well as XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I believe someone is using my information.

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 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: WA

Complaint narrative:
XX/XX/2022 I ordered a special order kitchen from XXXX XXXX. I called CitiBank XXXX XXXX XXXX for a credit increase to cover the kitchen. Kitchen price {$29000.00} so available credit was XXXX. 

XX/XX/2022 I received a bill. I was surprised because I am being made to pay when I will not get a kitchen install un til at least XXXX but I made the payment of {$290.00} on XXXX. The promotion was to be pay balance within 24 months to get differed interest and it was not. The premotion was incorrect at 6 months. 
XXXX XXXX XXXX Citibank agreed that it was input wrong and said it would be correct next bill. 

XX/XX/2022 I received my next bill. To my surprise CitiBank charged me for a whole other kitchen. Same dates of charge but 2 kitchens. The original purchase with my payment deducted AND a whole other charge of {$29000.00}. This other charge is for 24 month promotion. This has inflated my payment from {$290.00} to {$580.00} and have overdrawn my account to {$58000.00} I caled CitiBank and talk to XXXX and XXXX who try to tell me it is XXXX XXXX fault and they need to fix it. I call XXXX XXXX at XXXX XXXX manager for XXXX XXXX XXXX. XXXX XXXX didnt do it. 

On XXXX I finally get CitiBank to admit it was their fault and it would get fixed. 
On XXXX I make my payment for the kitchen I purchased, {$290.00} - I did not pay the {$580.00} because I did not order 2 kitchens and I still dont even have 1. Citibank was to remove the charges they put on my account and should have corrected the over minimum. 
If you didnt order the item you should not have to pay for it. 

I received my next statement There was a late payment of {$29.00} and a past due amount for {$290.00}. Both of these charges are on something I didnt order that CitiBank billed me for fraudulently. 

I have called every 3 days since. I have been told it will be taken care of. I have been told I will get a call back. 
I have been hung up on. 
I have been called for " collection of a debit '' and told I will be sent to collections. 
Citibank did manage to remove the {$29.00} fee BUT Im sure it will be back next statement. 

XXXX I made my payment of {$280.00}. 
I called XXXX at XXXX Citibank and was told, citibank will not remove this and that i just need to pay it and that this WILL affect my credit rating if i dont. 

I have a call into XXXX Installs to cancel the kitchen. I still dont have a kitchen and have been paying. CitiBank has made this whole process a nightmare.

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 2022-06-17 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: MD

Complaint narrative:
i have submitted this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.

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 2022-06-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear CFPB : First, thank you for the important service CFPB provides to millions of Americans and customers of US financial firms. 

On or about XX/XX/2022 I opened by phone a 48-month CD with American Express Bank XXXX I have been a valued client with that institution for years. 

Less than 24 hours later I reconsidered and quickly notified the bank that I sought to reverse. I was told that that it was not possible to change one 's decision even less than 24 hours later without paying some {$630.00}. 

I am writing CFPB with the request that the bank will reverse what seems a short-sighted and anti-consumer policy. 

The bank should re-consider for multiple reasons. Among them : 1. While I do not recall verbatim what the Amex agent said when I opened the account, I am certain that he did not *specifically* numerate in dollars the fee I would have to pay for early account closure, even less than 24 hours later. Unlike with a credit card statement that clearly shows how much interest one pays over a X number of years, Amex did not spell out the potential fee. 

2. Should there not be a 24-hour period to allow a consumer to re-consider a CD opening? In *many* states a consumer can return within a certain period a product so long as they have the receipt and sometimes without a receipt. Why can't one do this with a CD, which is a financial product? 

3. While a general fee policy on early CD closings was listed on the bank 's page, the FAQs are buried well below Amex 's online page, virtually at the bottom of the site. Do better Amex! 

4. I have been a valued client for 8 years. Can the institution, which presumably seeks to maintain a high-quality relationship with loyal clients, provide a one-time courtesy and waive the fee? Or at least allow me to reduce the amount of the CD?

5. I was assured by XXXX  that the bank would follow up with me the following week. But by late Thursday I still had not heard back either way. In no way do I seek to disparage XXXX, who was gracious and professional and who I thought listened well to my complaint. But a lack of follow-through by his superiors suggests absence of care and appreciation for customers. 

Again I have been a valued customer for 8 years. Why does Amex extend a draconian Scrooge-like policy in this case? 

On a related matter, I have been a target of well-organized harassment campaign. In some instances, bank employees ( such as at XXXX ) participate in " ruses '' or " pranks, '' which ultimately comprise acts of financial sabotage. I do not know if this is a case here but it would be interesting for middle/upper tier management to consider the possibility. 

Thank you for your time and attention. 
Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-06-17 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 have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: MI

Complaint narrative:
This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.

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 2022-06-17 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: AmeriCollect
State: NC

Complaint narrative:
15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
To whom it may concern, On XX/XX/2022 i receive a text alert from my Bank ( Chime ) that a transaction of {$630.00} was processed by XXXX. I did not recognize this company so I immediately logged into my account and saw that the amount was in fact pending. 
I contacted Chime and informed them that this was an unauthorized transaction and they told me to file a dispute. I filed the dispute once the transaction was no longer pending per their request and they informed me it could take till XXXX for them to complete their investigation. No more than 1 hour later I receive an email from Chime saying they have finished their investigation and there was no error with the transaction and they have closed my case. I asked them to provide me documentations that they used to come to this conclusion and they said they can not do it. I asked them to provide me the IP address that was used to make this transaction and they refused as well. 

I have now been unable to reach out to Chime and they will not connect me with a supervisor, all they do is tell me to email XXXX and I am getting automated standard response.

Company response to consumer: Closed with explanation