vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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: NJ

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 inder 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Acct # XXXX, XXXX. XXXX XXXX : Acct # XXXX, XXXX  XXXX NJ XXXX XXXX Reference # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX : Acct # XXXX. 

XXXX5 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I had completely paid off a charge off account at XXXX  XXXX XXXX on XX/XX/2021 XXXX  XXXX reported to ChexSystems to remove the negative charge still

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 2023-04-09 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: MO

Complaint narrative:
the credit bureaus continue to violate my consumer rights but putting inaccuration information on my credit even when i dispute the items they ignore my dispute or rquests for removing inaccurate information off my credit reports. I continue to show proof how they violating my rigths when i send letters asking to show proof of there verifications since they also say they verified the account but never get my request nor permission to do anything but remove negative information off my credit.

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did a balance transfer with BJs/XXXX  XXXX  for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX  never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Made payments that completed on XXXX XXXX XXXX, and XXXX  in the amounts of {$85.00}, {$400.00}, {$150.00}, and {$350.00} respectively. I did this in order to pay off charges as they posted to account. Synchrony Bank is now suppressing my credit limit after already taking the money from my bank account. Current balance is only at {$68.00} and my credit limit is supposed to be {$1200.00}. Meaning I should have {$1100.00} of credit available. HOWEVER, Synchrony Bank has unilaterally decided to place the payments of {$400.00}, {$150.00}, and {$350.00} on hold for more than ten business days and my current available balance is a mere {$380.00}. I am being punished for being the most responsible type of credit user. Unbelievable.

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 2023-04-09 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: IL

Complaint narrative:
XXXX XXXX has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. XXXX XXXX failed to present this information to any credit reporting agency before, during, or after the dispute. TransUnion also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. XXXX XXXX has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.

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 2023-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My wife and I have a joint account with Citibank. We receive a monthly pension from XXXX which is usually credited to our account on the XXXX XXXX XXXX of each month. I have been receiving this pension for over 10 years now. Lately, my pension does not arrive on a timely basis. There can be up to 1 month delay for reasons unknown to me. For example, my pension which was due on XX/XX/ has still not been credited to my account as of XX/XX/XXXX  In addition, my wife 's pension has been credited without any issue on the relevant dates. The delay in my pension has been going on for the last 2 years or so and it has created financial difficulties for me. I have reached out to Citibank multiple over the phone but no clear answer is ever given to me nor has there been any resolution.

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 2023-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-09 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: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX ) consumer reports, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is categorized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

CAPITAL ONE XXXX # XXXX Pursuant to 15 USC Section 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUDED on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-09 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: TX

Complaint narrative:
In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 2023-04-09 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: TX

Complaint narrative:
In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: GA

Complaint narrative:
In XXXX of XXXX, I received a billing snapshot from New York & Company, Comenity Bank for {$37.00} via email. I contacted Comenity bank 's customer service and informed them that the charge was fraudulent. I was advised by the Comenity rep. that the card would be canceled and that a fraud investigation of the charge would start immediately. The representative disconnected the call without providing me with a reference number. I received another email snapshot from Comenity Bank on XX/XX/XXXX for a past-due bill of {$37.00} plus a late fee. I contacted the organization again and was advised by a representative that the fraud investigation takes up to 90 days and during the investigation, I will continue to receive monthly snapshots of the disputed charges. 

I called back on XX/XX/XXXX and spoke with a representative who transferred me 3 more times. I was told by the 4th representative to contact the collection department at XXXX. I called the number, and the representative in the collections department informed that he was unable to assist and redirected me back to customer service. I didn't get any assistance from the rep. so I asked the last rep. that I spoke with to mail my statements from XXXX. I received only one statement for XX/XX/XXXX. I tried to access my online statements to no avail. I have requested a password reset link several times and did not receive a link to reset my password. Comenity Bank has been sending late payment reports of the charges to all 3 credit bureaus without proof that the charges are accurate and refusing to communicate their findings with me. The negative reporting to the credit bureaus is taking having a financial impact on my growing power. Your assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/2023 Chase Bank debited my checking account for {$55.00} for a safety deposit box that I was provided FREE of charge due to being a XXXX I was NEVER properly NOTICED of the charge BEFOREHAND which would allow me the opportunity to question the charge and/or to terminate the safety deposit box. I called Chase several times to inquire why I was charged for the FREE box but could not get any answers or resolution despite 10+ calls over a a week. I was discriminatorily coerced/forced into leaving my home and into going to the Chase Bank office . I met with the bank manager and shared m concerns, again to no avail. She indicated that she couldnt remedy the issue locally and that I had to contact customer service. I advised her that I had attempted to do so 10+ times without any success. I asked her to provide a phone to contact customer service. I called and spoke with someone and explained the situation. They indicate that the issue had to resolved LOCALLY and not with customer service : I explained that was told contradictory information from the bank manager and asked that they communicate and resolve the UNLAWFUL theft/taking of my funds on deposit with the bank. Nothing was resolved. I contacted customer service again and spoke with someone in the back office who was going to look into the matter. I was told that the bank does not or can not issue refunds for safety deposit boxes due to bank policy. I advised them that ANY policy is subject to the Americans With Disabilities Act as I am XXXX and as such never received PROPER LAWFUL NOTICE OF ANY SUCH POTENTIAL CHARGE. In fact I never received ANY NOTICE. I received conflicting information from the bank manager and customer service staff. I was told that the bank noticed customers in the bank statement correspondence and contradictorily that the bank sent out a separate notice. If the bank cant get thie story straight how can the customer be expected to RECEIVE THE NOTICE? 

The back office period indicated that she would reach back out to me within, no LATER THAN 5 days. That NEVER HAPPENED. 

Chase bank unlawfully stole {$55.00} from my account for a safe deposit box that was issued to me FREE of charge an FAILED TO NOTICE me BEFORE attaching to my personal private property ; funds held in deposit in my personal checking account. This has exponentially caused me to incur other fees as a result of th3 unlawful theft of my {$55.00}. I exist on XXXX income alone. My expenses already exceed my income and this caused me to incite late fees and other expenses involved with borrowing money to avoid LATE FEES AND NSF FEES. 

I Spoke with the back office staff on XX/XX/2023. XXXX with Chase Executive office. She has never called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX & XXXX BLOCK/METABANK/EFS Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX ACCEPTANCE Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX CREDIT ACCEPTANCE Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian

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 2023-04-09 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: IN

Complaint narrative:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

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