vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX XXXXXXXX XXXX XXXX XXXX : Account XXXX  XXXXXXXX XXXX XXXX  : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime asked me to send documents to show unemployment from Michigan for last year but I wasnt staying in Michigan. They are asking about a lump sum I received from PUA 2020. I sent that letter to state that I currently was eligible for those funds and released it! Chime found it unusual activities and asked to upload documents. I sent everything they asked for, plus utilities, lease, redetermination letter for PUA, my lease and ID. I sent this multiple times for days because they keep sending me to the same emails stating that they have not received it. Ive sent this information to all Chime support, review @ chime, outreach @ chime, used the link they sent me and through their support for requests. They suspended my account when Ive sent all documents. I called customer service and they said they dont see the documents Im uploading on the link but they see the screenshots stating they have received the documents and they will escalate. Then they sent these same emails that they have not received it. Customer agents are limited and very rude!!! They wont fix anything. Im XXXX and need all my money. May you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX  XXXX XXXX XXXX XXXX : Account XXXX  XXXXXXXX XXXX  XXXX : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX 15 U.S.C 1681 Sectiqn 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 2023-04-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX XXXXXXXX XXXX XXXX XXXX : Account XXXX  XXXX XXXX XXXX : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 15 U.S.C 1681 Sectiqn 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank continues to use the Available Balance for determining any Overdraft fee. This continues to make hardships as whenever I try to track down why something created an overdraft fee, I need to call the customer service line or wait for the branch to research why a fee was assessed as it never shows in my statement. This occurred again on XXXX and when I reached out to my back, I spoke with a XXXX XXXX, the contact center XXXX ( employee number XXXX ). When I explained to him my frustration, his response was to refuse to refund me the fee and to escalate because, to him, the transaction was not a bank error and I need better account management. I will be once again contacting my bank, however, as this has been a continuous issue, I also wanted to file this complaint as due to this issue, I expect that I might be receiving overdraft fees again even though I have attempted to cover the difference in my available balance. I also know that part of the hesitation in returning the overdraft fee is that it comes out of the branch 's budget. However I should not have to pay for this. I've attached my statement in regard to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I failed to received a settlement from the Wells Fargo class action lawsuits of an unknown amount to an old address sometime in XXXX. 

The only notification I have is a XXXX IRS tax form submitted of {$30.00} in interest earned on the settlement check, which was also mailed to an old address and was forwarded to me in XX/XX/XXXX. 

I have tried contacting the settlement administrator but received no response. 

I am asking for my settlement check to be mailed to my current address.

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 2023-04-11 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: MO

Complaint narrative:
See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this 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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through Dobberstein Law Firm and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another LLC. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: HF Holdings
State: GA

Complaint narrative:
HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a carecredit account through Synchrony Bank. The card allows for the payment of medical bills, with a 6 month interest free grace period on all charges over {$200.00}. If the promotional purchase, as they call it, is not paid in 6 months, they charge an extremely high rate of interest. 
I attempted to make a payment via my husband 's bank account on XX/XX/XXXX through the website, but an error occured and my payment did not go through, but I was not notified until XX/XX/XXXX of this, which caused my promotional purchase to expire, therefore causing the account to be billed with XXXX dollars in interest. I contacted our bank and was informed my information was correct and there were sufficient funds. I called carecredit and was told that if I paid by XX/XX/XXXX, they would reverse the interest charges. I immediately paid them {$6000.00} from my bank account, which went through with no issues. 
Since then, I have made about twelve calls/online chats with carecredit, and the issue has still not been resolved. I was told on one of the more recent calls that I would only receive reimbursement if I paid an additional XXXX dollars. I paid that, and requested that it be allocated to the expired promotional purchases and that my interest be refunded, as promised by multiple carecredit representatives. They did not allocate the money properly, so my account is still incorrect, and I still have not recevied reimbursement. 
They allocated the money to purchases that expire in XXXX, so if they money does get adjusted properly, it will cause me to incur interest on the XXXX payment, which I am ready to pay now, but can not due to how they have allocated everything. It would be on promotions ending in XXXX and I would have to go through this all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXX XXXX  XXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account XXXX XXXX to my XXXX I was going thought financial hardship and was unable to keep up with my payments. I was so grateful to synchrony bank/ Care Credit for helping me though a settlement on XX/XX/XXXX. Now for about 6 months I've been requesting from synchrony Bank/care credit for a copy of my credit application that started the care credit account on XX/XX/XXXX to see if there are any errors. But they would always respond as if they don't know what I'm requesting followed with a second letter detailing the account history. This is very confusing to me cause I did not ask for the account history. Now I'm asking again though the CFPB for my credit application. If they can't produce the credit application that started this account or it has any errors in it, I kindly request that this account be removed from all credit bureaus.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Opened XX/XX/2022 I opened a BoA account " Safe Balance Banking Account '' from the app after someone opened up a BoA account using my husbands social security number. At the time, my husband couldn't get through to talk to an agent b/c you had to have an active account and know the last 4 digits of that or the last four of the debit card. He had no control of the account, so of course, he didn't have that. I opened up an account in an attempt to contact BoA and speak to a human. There was zero checks to see if I was who I said I was when I opened the account. They verify ZERO. The hacker that opened the account didn't even use a real mailing address. Ultimately, we were able to get my husbands fake account closed. I didn't delete my account b/c just in case there were further issues that we would need to contact BoA for. It's not obvious that they charge you a fee. So, fast forward. I now have a monthly fee. The rep told me they would waive and close and that has not happened. I have been forwarded to a rep for resolution. They have ignored multiple emails and voicemails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
AFFIRM XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX in XXXX of XXXX  or XXXX. I never received the merchandise still til this day. I contacted Affirm after I paid off my loan with them and explained the situation to them. Affirm told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted Affirm several times via phone, email and XXXX still no luck. I reached out to my FI ( XXXX XXXX XXXXXXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. Affirm sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on Affirm behalf. Then Affirm popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with XXXX and they keep knocking it down. Affirm has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to XXXX and have no problem submitting it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
I just got a new CITI BANK credit card and after I activated it I tried adding it to my XXXXXXXX XXXX  and I got a message to call customer support which I did and surprisingly it was an XXXX man I could understand his XXXX accent but I gave him all the information about my account he requested but was told my phone number registered on the citi bank account cant be use as verification if I have another phone or a relatives phone number which I find very strange and i simply no thats the only number on my account. He then ask me to wait for Snail mailed letter for 10days which is entirely frustrating and my card payment schedule is on the XXXX of XX/XX/2023 as stated on the account If I cant make payments on time it will definitely affect my credit report and thats a nightmare Im trying to hard to avoid. As it is now my credit card has been lock for no reasons and Im filing this complaint to get my credit card back unlocked and to avoid future transaction declined from the CITI BANK poor system management. 

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