vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear TransUnion I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called TransUnion to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by TransUnion However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that tramsunion carefully review this information and reconsider the accuracy of the reported items. 
Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding and cooperation. 

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 non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On multiple occasions, including XX/XX/2023, I have attempted to contact Synchrony Bank/Amazon about the inaccessibility to my account because of their refusal to use my hearing Assist phone number for the two-step authentication. Synchrony Bank XXXX has continuously blocked my access to update payment methods or make a payment because they demand a live phone call. Due to being XXXXXXXX, I do not talk on the phone.

Synchrony Bank Amazon has now been reporting my payments as LATE but refuse to allow me access to my account in order to make a payment. 

Their ID verification system errors out each and every single time I attempt to use it, claiming it can not upload my ID. 

They continue to demand a live phone call with me to verify my identity and refuse to make any form of accommodation to update my contact information to a phone number that can receive text messages. The phone number i originally provided functioned with their system but they have since blocked it and now refuse to allow the only number I have to be used for the electronic automatic two-step authentication. 

Synchrony Bank XXXX is discriminating against me and causing severe irreparable damage to my name and credit report by demanding a live phone call for identity verification, even though they know I am XXXX. Even with active chat with an agent attempting to address the issue, she attempted to CALL ME XXXX knowing I am XXXX  and unable to talk on the phone. When I didn't answer the phone call, she also disconnected the chat and refused to assist me.

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 2023-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
harassing and calling my father multiple times after my father has requested not to receive any additional calls from. The representative went on to say I see why your daughter doesnt pay her bills look at you..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, TransUnion and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters.

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to fix incorrect information on my credit report from all three credit Bureaus XXXX, XXXX and Experian months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy

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 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/ my checking account got hacked for {$2600.00}. This individual somehow added themselves to my XXXX account as a recipient and was able transfer this unauthorized transaction to there account. I immediately called Wells Fargo and started a claim. When I called my bank several days later to get an update they let me know the claim was closed and it had been denied. I went into my bank to actually speak to someone in person, they told me I needed to contact XXXX and they gave me that phone number. When I reached out to XXXX they told me there was nothing they could do for me. Then on XXXXXXXX XXXX XXXX I got a text from ( XXXX ) that the same individual was requesting {$1500.00}. This situation is very stressful and I would like it resolved and to get my {$2600.00} that was stolen from me.

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 2023-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My information was sold and bought illegally because I was A victim of the Equifax data breach. I want these items deleted from My credit reports effective immediately. I am attaching proof that Equifax Has admitted that I was in fact a victim of this data breach and Equifax Has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This company is maliciously messed up my credit after I paid them off I have them on a record phone call saying they were going to remove after paying they keep reporting derogatory information to my account we need request of phone records they didnt fix anything theyve made my credit wose after I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2023 American Express sent me a email saying that they have lowered my credit limit from XXXX to XXXX. I contacted them the same day saying the reason they have lowered my credit limit is discrimination which goes against the equal credit opportunity act. i then called them and said the same thing and they ignored this on and said there was nothing they could do until your credit score gets better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I zelled XXXX XXXX @ XXXX {$500.00} on XX/XX/2023 for XXXX tickets. His ad I found on XXXX. He had me create an account on the XXXXXXXX XXXX app. He asked for the members of my familys names and ages going to XXXX. He also asked for email address and password once I created the account. He told me I could use generic password like XXXX as I was concerned giving him the actual password I used when setting up XXXXXXXX XXXX  account. 

I was communicating with XXXX he wanted to be called XXXX on a different number from him zelle account @ XXXX. When we arrived at XXXX our tickets which looked really legit were places in the XXXX XXXX app. They had our names of my family and the date we were going to the park. XXXX also had me add them to my mobile wallet on my phone. Everything seemed pretty real but the tickets wouldnt work when scanned at the gate. I tried several times as instructed by XXXX XXXX yes he was actually in contact via phone/text the whole time ). Finally after talking with XXXX XXXX XXXX they informed me the ticket I had provided and they scanned barcode from was flagged as using fraudulent/stolen credit card. I informed them I bought the tickets through a guy on XXXX. Unfortunately they were not able to honor the tickets without physical proof of the credit card used to purchase which I obviously did not have. 

I opened a dispute with my bank about the {$500.00} zelle transaction and it was closed without any action being taken. Now fast forward to XX/XX/2023 I woke up to see XXXX XXXX transactions made from XXXX XXXX on my checking account. Ive never been to XXXX XXXX as I live in Ohio. I disputed the transactions immediately with my bank and they said they were associated with my wifes debit card which she has had in her possession the entire time. 

My concern is that with my email address and zelle information ( which is my phone number ) all of which are linked to my checking account with XXXX this scammer is now able to link all this stuff up ( like XXXX ) and possibly more and steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2023-12-31 00:00:00
Product: Credit reporting 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:
My identity was stolen, and someone opened up fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/, at XXXXXXXX XXXX I received a fraud alert text from my bank ( USAA ) with three transactions. One of the transactions listed was made by me, which was a {$68.00} purchase at XXXX XXXX XXXX XXXX, VA. The second transaction was a {$100.00} purchase at a XXXX in XXXX XXXX, Maryland. The third purchase was a XXXX purchase at the same XXXX in XXXX XXXX, Maryland. I called USAA immediately after receiving this text to have my card canceled and file a fraud report to have the money that was taken ( XXXX ) refunded. I learned that the card was already turned off when the XXXX was attempted, so that money was not lost. On XX/XX/, I received notification that my claim was denied with no explanation why it was denied. I then called USAA ( I believe on XX/XX/XXXX -- I was in XXXX XXXX when the claim was denied and returned to the United States on XX/XX/XXXX ) to request the information that was used to reach the decision with the intent to file a report with the CFPB. The customer service representative instead had me file a second report to dispute the original decision. I received notification that the second Fraud report was denied on XX/XX/XXXX XXXX XXXX This representative I spoke to prior to the second report also provided me with additional information. After the {$100.00} withdraw, the person tried to check the balance of my savings account from the same location in XXXX XXXX, MD. I do not have my savings account attached to my ATM card and this is what triggered an alert and had the card turned off. There was then an attempt to check the savings balance from NJ, which also failed because the account is not linked to the ATM card. After they could not see the savings account balance, the attempt to withdraw the XXXX was attempted and failed due to the card being turned off. The second rejection stated that a chip was used, so it was not a fraudulent transaction. However, there is only one ATM card for my account, and it could not be in XXXX XXXX, VA ; XXXX XXXX, MD ; and NJ at the same time. I also would have no need to check the balance of my savings account because I can see it on the mobile app ( and know it is not linked to my card ). Even a cursory review of my account activity would show that I frequently make transfers to and from my savings account via the mobile app and would use that method to check the balance and/or access my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are reporting inaccurate, illegal late payments Target Redcard XXXX showing late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Showing late XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are reporting inaccurate, illegal late payments XX/XX/XXXX XXXX showing late XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXXCapital One Walmart XXXX Showing late XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief