vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 2022-03-18 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macy 's XXXX XXXX XXXX has a fraudulent charge of XXXX}. I tried reaching out for last 3 months. Macy 's XXXX XXXX XXXX can not solve it. On top of it. They charged me late fees and charges. 

I finally had to pay XXXX} for the charges that I had not even purchased. Macy 's fraud detection lines are mostly unreachable. I also tried through social media and no luck.

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 monetary relief
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I consumer XXXX XXXX instructed EQUIFAX to delete and block inaccurate information and a XXXX  XXXX account on my consumer report. EQUIFAX does not have my written consent or a contract with myself the consumer to furnish my nonpublic information. EQUIFAX states that they conducted an investigative report but will not show the contents of investigation in which must include interviews with neighbors and friends of consumer in which still will be inaccurate if not coming from the consumer. EQUIFAX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681b ( A ) ( 2 ) Permissible Purposes, EQUIFAX must delete inaccurate account and information of XXXX  XXXX according to the written instructions of myself the consumer. EQUIFAX can not get accurate information from a creditor on a consumer according to the FCRA and the CFPB. EQUIFAX is causing myself the consumer financial injury and will be held federally liable. This inaccurate information is not equitable to the consumer and is not allowed to show factual information or transactional history between consumer and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to do online transfer on the Citibank website but I was told the information below. 

We cant let you access the application because some of your information duplicates another registered customer. Call XXXX for help. 

I don't know what is going on and why suddenly the online transfer to external banks does not work for me at the moment, and neither do I really care at the moment because I am closing the account soon, and I can write a check to get the funds transferred properly. The annoying fact is that Citi website does not allow me to delete my external bank accounts stored in Citi. 

The California Consumer Privacy Act ( CCPA ) states the following. 

If you are a California resident, you may ask businesses to disclose what personal information they have about you and what they do with that information, to delete your personal information and not to sell your personal information. You also have the right to be notified, before or at the point businesses collect your personal information, of the types of personal information they are collecting and what they may do with that information. Generally, businesses can not discriminate against you for exercising your rights under the CCPA. Businesses can not make you waive these rights, and any contract provision that says you waive these rights is unenforceable. 

You may request that businesses delete personal information they collected from you and to tell their service providers to do the same. However, there are many exceptions that allow businesses to keep your personal information. 


So I am writing to ask Citibank to delete my external bank account information for funds transfer purpose and let me know what is remaining on the external bank info. 

Also, I am not able to remove the recurring payment {$20.00} on XXXX of each month from the online website and chat with representatives on the website did not help, so I am also asking Citibank to delete this recurring payment.

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 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
to whom it may concern I'm not sure if I'm filing this complaint under the right category but I really need help with this issue the thing is that I got this personal loan from XXXX XXXX XXXX Bank to purchase a TV the TV was {$1000.00} and now when I received the TV the TV arrived broken I can not use it and I have been trying to resolve this issue since XXXX of 2021 with the creditor they disputed many times but they always faal for the seller because they are a seller friendly company and not a buyer friendly company, and for that reason they are not helping me. I tried contacting the seller directly he never answer my calls or emails and I would like to get a refund for all the money I paid already and for them to stop collecting activities on this account and stop reporting me to the credit bureaus because at this point I can not continue to make payments for this loan because I'm not using the television the television is inoperable and I feel like I'm begging them and they're not helping me at all. I haven't gotten into contact with the seller but XXXX the creditor told me that the seller 's requesting for a return of the TV but the return alone is a XXXX plus dollars I can not afford this and the seller knows that, he have contract with all the courier services and for that reason he pays a little when he ships but me as a regular customer I do not have that luxury. Attached please find pictures of the television that I received.

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 2022-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing two credit cards ( Kohls and Capital One ) and one Collection with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted all three of these companies and I informed them these accounts were fraud, I gave them any documentations they requested from me, I also provided my power of attorney that my daughter has, and I also gave them my address information. I have no copies, paperwork or access to these accounts because I did not owned them and my credit was fraudulently used, so I cant provide any documents on these accounts. Nevertheless, after contacting the three companies in XXXX and XXXX, I dont remember the exact dates, they removed the debt off of my credit and then a month later they were put back on my credit as Charger offs and Collections which makes my credit look very bad and theyre forcing me to take responsibility for accounts thats NOT mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I joined Sam 's Club last year and was enticed to get the Sam 's Club credit card from Synchrony Bank for the annual rebate. I recently received communication from the bank that my rewards were available, but after two trips to Sam 's Club I was unable to get my rewards at the store, as advertised. The last time I went to Sam 's the fine Sam 's employee called Synchrony Bank who promised that I would receive a statement credit. After six days I called the bank because I had not received my credit. They promised that I would receive my credit by XX/XX/2022. Today, XX/XX/XXXX, I still have not received the credit. I called Synchrony and they now say it will " probably take one to two cycles '', effectively XX/XX/XXXX, to receive my credit. At this point I am doubtful of any promises from Synchrony Bank. It seems unthinkable that it could be so difficult for them to process 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-18 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: IL

Complaint narrative:
I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy XXXX XXXX  XXXX BankruptcyXXXX

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 2022-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone purchased XXXX XXXX  with my information. The original fee was XXXX but after late fees it is now more. This was a Capital One credit card. I have contacted the credit card company and told them I havent had a Capital One card in so long. I explained to them it could be my card and someone used it without my permission or someone opened a card with my information. Capital one is not doing anything to resolve this issue and they dont care. I have contacted XXXX XXXX  to try to get any information from them regarding the purchaser. Im waiting on a response from them. I have also filed a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had fraud charges on my account and when I reached out to capital one they did an investigation and found I was telling the truth. The next step they wanted me to verify my identity which was extremely difficult how they have it set up. They would send me a text link that would never work, then email which I completed the task of sending my id but still I wasnt able to use my card. For 4 months this went on and I emailed my id to them, I faxed my id, I did everything I could but was being punished because there sites werent working. I have struggled with covid 19 and I received no help from this credit card company. They charged me interest plus late fees and I wasnt able to use my card. Why wouldnt they waive some of those fees because I had no idea about the charges in the first place. I couldnt log into my account due to phone number change and fraud but they expected me just to know they were still charging me? And now they wont let me use my account until I pay all the fees in full. This pandemic is still affect me and my family greatly and I received no help from capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
New Information to Complaint # XXXX. We applied for a loan on XX/XX/2020 and spoke with XXXX XXXX who appeared to be collecting our qualifying information. He took our tax returns, check stubs, and driver 's license. He was typing on the computer our information it seems. XXXX XXXX 's response to us ; " we needed a co-signer ''. We had credit scores of XXXX with {$8400.00} net monthly income, in addition, we had just sold our home and was wanting to put down $ XXXX {$100.00}. We discovered there was no documented record of our application or credit report request to verify credit history. 
XXXX XXXX assisted in confirming we did meet with XXXX XXXX who in turn pre-qualified us and deemed not worthy of the qualifying process.

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 2022-03-18 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: CA

Complaint narrative:
XXXX XXXX, {$1000.00} assumed verification of account, Im reporting this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now

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 2022-03-18 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: NV

Complaint narrative:
I have contacted all 3 bureaus, letting them know i have never been late with XXXX  i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016

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 2022-03-18 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: NV

Complaint narrative:
I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016

Company response to consumer: Closed with explanation