vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: FL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
storage was broken into in XXXX XXXX  NC filed a police report in XX/XX/XXXX XXXX credit card was opened in XXXX with XXXX XXXX called and closed Credit line was XXXX and it was fraud checked the XXXX account and 1 XXXX XXXX XXXX inquiry was done on XX/XX/XXXX a XXXX fortiva card was openend XX/XX/XXXX with a XXXX XXXX  card has been charged on already balance XXXXXXXX XXXX XXXXXXXX card opened in XXXX with a {$300.00} limit balance on that card is XXXX XXXX There is also a alias on my credit ( XXXX XXXX XXXX ) address reporting as fraud to the cards are XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached documents. I want to remove that was added to 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 2023-06-26 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have a 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 instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I currently had a dispute with current bank and I was told they my dispute was fine till recently when I got an email from them that my dispute was denied and my credit was going to be removed and this was fraud someone used my card without my knowledge and I was told if I send over the police report I should be able to get my funds back and they wouldnt take the money back waking out today and my whole XXXX payment was removed and now they arent even helping me to get this fix when I was told to send over all the documents and you will be fine the dispute credit wont be removed and I was okay with that I want my money and this to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GATEWAY FIRST BANK
State: PA

Complaint narrative:
My XXXX XXXX report indicates that Gateway First Bank ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my XXXX XXXX file was frozen. 


Gateway First Bank didn't have my permission to request a report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: CA

Complaint narrative:
This debit was a fraud and was taken off due to it back in XXXX as this does not even match my name. This debit is also aged out, showing from XXXX, and violates the fair credit act of fraud and aged debt. They are also texting me, which I have never agreed to. Please remove all postings and cease contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I am a victim of identity theft... someone has used my ssn, dob, name to buy XXXX XXXX. 

XXXX has forwarded the account to collections, hurting my credit. I have never lived at, known anyone or given permission to any persons at the address where XXXX provided this service. 

I have filed dispute paperwork with XXXX, Sequium Asset Solutions and all credit bureaus, but nothing has been returned to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi I called Amazon synchrony bank about a duplicate charge pending authorization for XXXX ( twice ) I was told if I dispute the duplicate charge with my own bank they would close my synchrony credit card I was threatened by synchrony back that I am not able to dispute any charges pending in my account and if I do I will have my synchrony accounts closed.

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Account is a mistake it self because its reporting inaccurate information. The following data is either inaccurate or missing : Date last verified, date open, date last reported, disputed status, last payment, stating a pass due on a collection account, stating open account while in collection and derogatory all at the same time. Previously, disputed account with bureaus and results came back with copy of bill statements. This does not correct the inaccuracies that account is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MA

Complaint narrative:
debt paid was told it would be deleted

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 2023-06-26 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: PA

Complaint narrative:
This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}! 

Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in. 

By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account. 

Respectfully, XXXX " XXXX '' XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
the XXXX credit bureaus ( Transunion, XXXX, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 XXXX XXXX XXXX CASES AND NUMBERS  ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
For XXXX days I was trying to access my account on line but every time I entered my ID and password I got a message : " How about a rain check? Sorry, your account isn't accessible currently. Please come back later and try again. '' Today, on Monday I visited local bank branch but " Citizens XXXX '' by name XXXX XXXX refused to help me claiming that my ID which is my email for 11 years is not correct and refused to help me. I tried to call Citizens bank mail office but the line is " too busy '' to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IN

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Zions Debt Holdings
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act says if a company semds information via electronically it says 14 days to allow a responce. 
I received an email from Zion Debt Holdings whixh went into my spam mail. The email only gave me 4 days to even respond to it and then put it on my credit report. 
That is not good practice for a Debt Collection Company to do, not even give me time to respond, make any arrangements to keep off credit, since the email aaid if I dont call or respond in 4 days it will go on my credit which is a threat.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: WA

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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