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: 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:
On XX/XX/XXXX I sent Equifax a factual dispute showing the inconsistencies in the account they were reporting. The date of delinquency was incorrect on my reports. The correct date of delinquency is XX/XX/XXXX. The accounts were showing XX/XX/XXXX. On XX/XX/XXXX I received a credit report stating this account had been verified. I sent the same letter to XXXX and XXXX. XXXX stated they were unable to verify the account and removed the account. In XX/XX/XXXX, I received notice from XXXX that they were unable to validate the account and the account was removed from my report. I also received notice from XXXX that the account was unable to be validated and the account was deleted from there as well. I send a follow up letter to Equifax on XX/XX/XXXX stating that inconsistencies were still being reported as well as proof of the date of delinquency from the creditor. As of XX/XX/XXXX, I still have not heard back from Equifax. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. If this is the case, then the account has never truly been verified by Equifax as it was deleted from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a TD bank card, I have numerous times paid with a new checking account and have asked them to change from the old bank account, of course they don't. I have tried to login on multiple times and looked to reset my username and password. It shows me a screen that asks me to call a number XXXX XXXX XXXX XXXX. When you enter your card number it hangs up on me after wasting 5 minutes of my life here on earth. TD bank and Target have the worst credit card system out the many cards I have used. I think both are not capable of handling credit cards systems ( just my personal thoughts ).

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.

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: OH

Complaint narrative:
In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) *XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; *XXXX XXXX XXXX XXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it pertains my request.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXXXXX account # XXXX, XXXX, XXXX account # XXXX, XX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX, a federally protected consumer have attached the notice that I have sent Wells Fargo credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. Wells Fargo has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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

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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Failure to perform an investigation per fcra regulation

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I hold an account with Synchrony Bank for an affinity " Gear Card '' for Guitar Center. I made a purchase on XX/XX/XXXX in the amount of {$4900.00}, an amount sufficient to award me four " Gear Card Reward Certificates '' in the amounts of {$100.00}, {$100.00}, {$100.00}, and {$30.00}, for a total of {$330.00}, all exiting on XX/XX/XXXX. This was per a promotion published on the Guitar Center site at XXXX XXXX of purchase. 

On XX/XX/XXXX, I made a purchase in the amount of {$30.00} and applied one of the codes funded to the amount of {$100.00}. On XX/XX/XXXXXX/XX/XXXX, I made a second purchase in the amount of {$38.00} and applied another {$100.00} code. On XX/XX/XXXX, I made a purchase of {$490.00} and applied the other two codes in the combined amount of {$130.00} to offset my purchase. However, the Guitar Center site would not allow me to apply the additional codes whose remaining balances are {$69.00} and {$62.00} respectively, for an unused total credit amount of {$130.00}. The site said the codes had already been applied and were not available. 

On XX/XX/XXXX I called Synchrony Bank to resolve the issue to that my unused credit amount of {$130.00} could be applied to my XX/XX/XXXX purchase. A service agent at Synchrony Bank stated that codes can not be applied to cover more than one purchase. He stated that this information is posted on the Guitar Center site when promotional incentives are offered when making purchases like my original purchase that created these rewards. 

To the extent that there may be any such text or explanation of terms and conditions describing the limited use of these Gear Card Rewards, stating that they are not in fact equivalent to their stated dollar amount values except under specific conditions, this consumer disclosure is well obscured or hidden. This is an abusve and dishonest marketing practice that Synchrony Bank refuses to remedy. 

During my call with the service agent, I told him that I was filing this matter with the CFPB, and I asked him to please conclude our session so that I may be directed to the automated consumer survey that their system says will be available at the end of the call if I stay on the line. He ended the call. I was not directed to a survey. Instead, some other agent spoke on the line and said, " Hello? '' I told her I was holding after a completed service call to take the customer survey. She told me to please wait on the line to that I made take the survey. I was then immediately disconnected.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : The XXXX  XXXX XXXX XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
On XX/XX/2022, I switched my cell phone service from XXXX to XXXX. There were numerous issues with the service, including lack of cell phone service for two of the individuals on my account, and sporadic service for myself. I was in frequent contact with XX/XX/XXXXXX/XX/XXXX and they issued some credits for the problems I was experiencing. On XX/XX/2022, I switched back to XXXX. I received a final bill from XXXX XXXX which included charges for the entire month of XXXX. Additionally, I was charge {$120.00} for mobile internet service, which I did not order and which I never had. I was charged {$60.00} for tablet service, when it should have been {$10.00}. On XX/XX/2022 I contacted XXXX customer service and they promised a credit of {$230.00} to my bill. The credit was for the {$180.00} in erroneous charges and additionally, all service charges, so that I should have a XXXX balance. I never received that credit. XXXX billed my credit card. On XX/XX/XXXX I called XXXX twice. Both times, after explaining the issue, I was placed on hold for over and hour and then was disconnected. I contacted my credit card company and disputed the charge. On XX/XX/2022, XXXX sent a revised bill for the full amount ( {$230.00} ) PLUS they charged me {$30.00} for disputing the charge. On XX/XX/2022, I contacted XXXX again. This time the agent told me he would need to get a response from the previous customer service agent. From my conversation with him, I perceived there were no notes in my file as to the previous conversations. The agent promised to text me his first name and employee ID, which he never did. He promised to call back with a resolution, but he never did. I have taken every step that I can take to try and get this resolved. XXXX 's customer service number seems to be outsourced to another country and they consistently drop the calls. XXXX turned me over for collection, even though I have repeatedly tried to resolve this with them. I have even written to their corporate office but have not received a response.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX, has violate 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.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in an authorized letter along with my license and utility bill to verify my identity and Transunion LLC replied saying that they wont process the request because I didnt authorize but I clearly signed and included my personal 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the fair Credit reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.

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: AZ

Complaint narrative:
In accordance with the fair Credit reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Collection agency XXXX XXXX is appearing on my credit report. They are alleging I owe XXXX  XXXX XXXX XXXX {$150.00} but I have proof directly from the company that there is a {$0.00} balance on my account and no bills are owed at this time. 

I informed Trans Union to whom I pay for their credit monitoring services that I was unable to upload my supporting documentation and the only recourse they had was to initiate a dispute. The address and telephone number for XXXX XXXX was not listed on my credit report, neither was the alleged original date of delinquency.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: PA

Complaint narrative:
I submitted payment through my online banking through Fulton Bank, through which this credit card is cobranded. Fulton Bank submits those funds electronically Via ACH and was received by XXXX on the same day. My credit card record shows that over {$800.00} was posted on 6-10 by XXXX however as of today, 7 days later, I am being turned down when I try to use my card and XXXX representative is trying to tell me there is a hold on those funds. It seems it would not be lawful for them to place a 7+ day hold on funds that were delivered electronically. I have never experienced this issue in the past.

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