vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from 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 2022-11-21 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: NC

Complaint narrative:
Someone open up a credit card account under my name without my permission and now its negatively affecting my credit score.

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 2022-11-21 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: NC

Complaint narrative:
Someone open up a credit card account under my name without my permission and now its negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was a victim of identity theft earlier this year XX/XX/2022. Someone opened up other accounts in my name through Wells Fargo. They closed all of my accounts, and did an investigation. They found that it was NOT me and not my fault and told me I was okay to open up another account. Well Im XX/XX/2022 I opened up another account and they told me my only account option was clear access checking ( which is NOT what I had before and is a LOWER tier back account with a LESS benefits than my previous account. Since it was determined that I was a victim of identity theft then why am I not allowed to open up the type of account that I had previously!

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 2022-11-21 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:
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. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXXXXXX, Account name : ( TXXXX XXXX XXXX XXXXXXXX, Account name : ( XXXX ) # XXXX has violated my rights 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 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 2022-11-21 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: GA

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. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original CreXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights 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 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 2022-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX refused to dispute claims and process them properly. 
Erroneously reporting mortgage payments to XXXX XXXX despite providing proof that payments were made on time. 

Payments received after the 17th of the month are late. I have never paid this account late. 

Secondly, CRA 's refuses to update XXXX XXXX XXXX account. This account was in a Covid 19 forbearance and was never late. Consumers did NOT qualify for a deferment if payments were past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I was recently charged by a debt collection company that I made no payment arrangement with on XX/XX/XXXX. This company, apparently purchased my debt from the first debt collection company. I firmly believe the first company passed along my bank account information to this company to just collect without my consent. The second company who charged me would always send me text messages about convenient payment options and discounts. They would text to get me to respond to take care of the matter. All well and good. However, I never responded due to the fact that I have been struggling financially. I want to pay all my debt back, but can not afford to living paycheck to paycheck. The reason I am filing this complaint is because I am deeply upset that they never effectively communicated with me via email, phone, voicemail, mail, text, etc. It appears they just went ahead to take money from my bank account. I did not speak with anyone from this company by phone nor communicated with them in any way. However, let 's say that I did and happened to have forgotten, I would think they would send me a friendly remainder explaining that I had an upcoming payment. I received no such thing, because I as previously mentioned, they kept sending me automated text for me to set up an arrangement. I never gave them a response. And unbeknownst me, they did what they did on XX/XX/XXXX as result. To conclude, I have closed that XXXX XXXX  account so no other funds shall be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX  terminated their relationship with XXXX XXXX XXXX. I held two credit cards via XXXX XXXX and did all my business on these cards. Without notice the cards were canceled and ALL balances and records identifiable with the cards were transferred to Comenity Bank. On XX/XX/XXXX, after having my XXXX cards denied at a doctors office, I returned home and found I had received the Comenity cards in the mail. As directed, I activated the Comenity cards on XX/XX/XXXX, and registered the cards for online banking. The online bank accounts are not/have not worked. Repeated calls to Comenity result in the same response-our technical team is working on the issue. In the meantime there is no way to review statements, make payments or claim rewards. I paid off my balance immediately via the phone and have no intentions of using the cards in the future. I however can not cancel the cards as Comenity is holding my financial records. I have no idea where my balance for cash rewards stands, I have no way to review balances for suspicious activity ext, and I have yet to receive a paper bill. I am one of hundreds perhaps thousands with these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2022, I used my Barclays Mastercard to pay the XXXX XXXX  {$4000.00}. On XX/XX/2022, we authorized XXXX XXXX  and XXXX to pay Barclays Bank Delaware {$4000.00}, not knowing that our account had been traded to XXXX XXXX Bank. I contacted both banks in XXXX  when I got a statement from XXXX showing a balance due. Barclays told me any money rec 'd would be transferred to XXXX. In XXXX, I contacted XXXX after getting another statement. They told me that my problem is with Barclays. I contacted Barclays and was told to fax or mail copies of proof of payment wire transmissions. I did both. In XXXX I emailed the same documents to Barclays after receiving another statement. After receiving my XXXX statement I contacted XXXX. They told me I should pay, " for my own good '', rather than " fight the good fight ''. Also in XXXX I was finally able to open a dispute case with Barclays. This had to be done by a supervisor since I technically no longer had an account with them. Later in XXXX, I contacted XXXX and gave them the Barclays dispute number. I also sent both banks a trace number for the wire transfer that I got from my local bank. I was told that this number carried more weight than the proof of payment I sent them in XXXX. It is my understanding that Barclays has my money. I have asked them to either pay me or pay XXXX. I got another statement from XXXX, which is now charging me interest. I filed a complaint against Barclays with the XXXX XXXX XXXX  which got me a phone call from " The Office of the President '' of Barclays. I re-sent them all of my documents but after their review they stated that they can't help me since the account had been traded and that I needed to contact XXXX. I asked for proof that they paid XXXX  on my behalf, since I proved that I paid them but they can't help me since the account has been traded.

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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: KS

Complaint narrative:
The descriptions I had to chose from didn't really accurately apply. Here is my explanation of what I experienced : I received a false collection letter that I owed money on a newspaper subscription that was overdue and that instead of collecting the balance amount of {$36.00}, they would accept an " Authorized Settlement Amount '' in the amount of {$27.00}. The bogus balance was from the XXXX XXXX XXXX where I have had an account for some time. I knew this was untrue, so I called the XXXX XXXXXXXX XXXX and they informed me that my account was good until the first week in XXXX and that they did not use a firm in California to collect debts. I cancelled my account with them, since I obviously am not the only one that has access to their subscriber 's information and contacted you. The name of this fraudulent deb collecting company is : A., R.M. Solutions, XXXX XXXX XXXX, XXXX, CA XXXX XXXX I am sure people less skeptical than I have already handed over XXXX 's to them. Please stop them before they can do anymore harm than they already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a fraud claim ( XXXX ) after not being able to get anyone over the phone for weeks. The agent told me that in addition to him submitting the claim, that I needed to fill out a dispute form and email it to them no later than XX/XX/XXXX. I completed the form and emailed it to them on XX/XX/XXXX. I have gotten no response whatsoever, even after I asked them to confirm receipt of the email, and after I resent it to them again on XX/XX/XXXX I recently received a letter in the mail from them dated XXXX, stating they denied my claim, with a reason that makes absolutely no sense. Based on the results of this investigation, your claim has been denied due to your other purchases related to the transactions in question. '' What does that even mean, other purchases??? There werent any purchases made on the card that I told them were authorized!!! Every single transaction done I reported as fraud. Again, they make absolutely no sense!!! Not to mention, their denial was literally three days after it was filed by the agent over the phone!! The agent had told me that in order for the claim to be processed, I needed to fill out their dispute form and send it back to them So then, how could they deny my claim before even giving me a chance to complete the form??? In addition to that, now its right back to me not being able to get anyone over the phone who can help me. I call and get someone oversees, they transfer me to an automated system that doesnt even recognize my card or personal information and doesnt give me the option to speak to someone.. just tells me to call back when I have the correct information and then hangs up on me. This company needs to be reported and dealt with, aside from them grossly handling my fraud claim. They should be forced to terminate their business operating this way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from 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 explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did not want my XXXX account to be closed, and was locked out of the card. I made numerous attempts to access the card and use it before the card was shut down, and Synchrony bank was not accessible for help. I would like for my Amazon store card to be reinstated. There is no reason that the bank closed this card on me rather than helping me access it. This hurts my credit score because it is one of my oldest cards, and this is not right. I have been trying to recover my account from some issues and was locked out of this account. Please assist in reinstating my XXXX credit card.

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 2022-11-21 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: FCC Finance, LLC
State: NC

Complaint narrative:
To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : FCC Finance Account number : xxxxxxxxxxx You're reporting late payments from XX/XX/XXXX up until XX/XX/XXXX yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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

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 2022-11-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I am done fighting with Synchrony Bank. This company has lied to me more times then necessary. Synchrony Bank 's customer care team told me a refund check for my account ending in XXXX was mailed on XX/XX/2022 and would be received within 7-15 business days which would have been by XX/XX/2022. I am sick and tired of this company lying to me. I even called and the person I spoke with on the phone confirmed and verified that check was mailed to my address and would be received. I am no longer going to put up with this business lying to me. I am now requesting to be protected to fight for what this business has been leading me on about. I was informed by multiple agents within Synchrony Bank 's customer service team a refund was processed and was mailed to my address on my account .I am now requesting assistance in obtaining the refund check I was promised would be mailed by this business. The amount of the refund check was for {$4500.00}. 


Thank you, 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 2022-11-21 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: TN

Complaint narrative:
On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX  that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.

Company response to consumer: Closed with explanation