vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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: 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. 
XXXX XXXX XXXX, Acc # XXXX, XXXX XXXX, Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX has violated my rights.

Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? Can you please investigate, if you find this true can you please remove inaccurate info of my report please.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I applied and was approved for Destiny Mastercard in XXXX. A card was mailed out and had no issues. 3 months later, upon attempt to use card I was declined. I called destiny costumer service at XXXX and they stated there was a new card mailed out in which I did not request. Either way, I waited for a new card, which never came. 
I called the company and they stated a new card would be mailed out and apologized for the inconvenience. I was told it could take up to 14 days to receive the card. 
I never received this card. XXXX of XXXX I called company and explained the situation in which they apologized and stated they would mail out a card and to wait 14 days for card to arrive. The card never came. All the while, I am paying the interest and dues related to this card. I didn't have access to use my account because I did not have the card in my possession. Again the card did not come, i called the destiny company again on XX/XX/XXXX spoke to : XXXX  employee number XXXX, they stated they had it documented in their system that I stated I never received card and requested a new card be mailed but there was no card sent out. during that call I requested yet another card. I requested it be expedited which they could not honor. 
14 days later XX/XX/XXXX I called again and Destiny Company stated they are issuing another card and to call back to follow up in 3 days. They also stated that they were forwarding this information to their " higher ups '' and apologized for inconvenience. 
I called on XX/XX/XXXX and spoke to a rep who stated there was a " fraud claim '' on my file and no card was issued to be mailed out. I never put a claim in for fraud and now and livid that there is no card issued. 
i do not want to hurt my credit by closing my account or not making payments so I'm stuck to what to do. 
they have deceived me and not honored my request to give me a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : 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 2023-04-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : 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 2023-04-12 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:
Please see the attached documents as the personal information you are reporting is not mine.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to file a complaint against Macy 's for imposing illegal credit protection charges on my account that I did not sign up for. These charges have varied between {$60.00} to over $ 100 monthly and have caused me significant financial hardship.

I recently discovered these unauthorized charges while going through my account statement, and I am shocked and dismayed that Macy 's would engage in such unlawful and unethical practices. I did not request any credit protection services from Macy 's, nor did I authorize any such charges on my account.

I am deeply concerned that Macy 's is taking advantage of its customers by imposing these charges without their knowledge or consent. This is a clear violation of consumer protection laws, and I urge you to take immediate action to stop Macy 's from continuing this illegal and unfair practice.

I request that you investigate this matter thoroughly and hold Macy 's accountable for the harm it has caused me and potentially other customers. I also request that you compel Macy 's to refund all the credit protection charges that they have imposed on my account without my consent.

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 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States ), that the information provided is true and accurate to the best of my knowledge. Additionally, I certify that I am allowed by FEDERAL and STATE LAW to file this dispute on my own behalf. I also understand that knowing and willful misinformation or omitting of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that Ive made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received notice from Wells Fargo on XX/XX/2017 that my account XXXX was being forcibly closed and consequently discontinued all use and access of the account. Three years later, on XXXX/XXXXXXXX I received notice of a deposit hold for the same account XXXX, indicating that the account had been used by unauthorized others since its reported closure. The only possible reason for others use of this account would be for the deposit of payments intended for me, either checks stolen from my Mail or misdirected wire transfer payments and the subsequent expenditure of the funds without my knowledge. Theft

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 2023-04-12 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 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: GA

Complaint narrative:
accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I've had a Marcus Goldman Sachs online savings account since last year and have had no issues transferring funds to and from this account until about XXXX weeks ago when Marcus locked my account after I submitted a funds transfer from my Marcus account to an external account. Marcus has never called, emailed or snail-mailed me regarding the reason for the failed funds transfer issue nor why they locked my account. I've called and wasted hours of my time talking to the Marcus Customer Support and Identity Verification Teams over the past XXXX  weeks trying to understand the issue and getting it resolved with no success. All they do is spend hours verifying my identity, unlock my account and tell me to resubmit the funds transfer again. When I resubmit the funds transfer, it fails and my account gets locked. This has been going on for XXXX weeks now. 

I'M XXXX YEARS OLD AND NEED MY MONEY TO SURVIVE- PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-12 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: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOE/XXXX  Account number : XXXX USDOE/XXXX  Account number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-04-12 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: FL

Complaint narrative:
It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing

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 2023-04-12 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:
this is my SECOND attempt. The last one you dismissed frivaously without doing your job. This one i hope for different results. Since you decided to just get rid of my first complaint i am making it again. 

I am reaching out to the CFPB to hopefully resolve this. I filed an ID Theft report back in the end of 2022. I filed a police report, and i did everything i could. Then i submitted my FTC ID Theft report to Equifax and they have refused to block the items on my report htat were part of that ID Theft. I even believe they are possibly responsible for my data getting out there because my data was in their breach and they sent me a cool {$40.00} to say, hey sorry jeopardized you. Anyway, i have the FTC report and I have reached out to Equifax XXXX times now and they not only haven't blocked the XXXX items, they have just ignored me all together. This is rediculous. I demand they respond and i am asking they just do their dilligence and block the XXXX ID Theft accounts. They have all the paperwork, i know because i sent it all certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
I was granted from XXXX XXXX a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/2023. It has not been removed.

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 2023-04-12 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: Nelnet, Inc.
State: VA

Complaint narrative:
nelnetXXXXXXXX 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 va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va 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 department of public utilities  XXXX XXXX XXXX  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my TDA account*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Filed a previous complaint back in XXXX, XXXX agreed to process a refund from merchandise that was returned in the amount of {$210.00} and refund of interest in the amount of {$23.00}. 
Company stated my account was credited a total of {$230.00}. So far I only see a refund of the interest charges of {$23.00} on XXXX. I have not seen a refund of the returned merchandise post as of yet, XX/XX/12. 
I am now owed another month of interest on the {$210.00} since it has not been credited to my account. 

Also I would like a breakdown of how the interest rate refund was determined. In the last 8mths since I havent received a refund of the {$210.00} the interest has fluctuated between 27 % & 30 %, at minimum the interest returned should be about {$40.00} since the mthly accrued interest was between {$4.00} - {$5.00} for 8 months. We are now headed into the 9mth without resolution.

Company response to consumer: Closed with monetary relief