vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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:
My XXXX  credit card account has been voluntarily closed by me and is required to be promptly reported to Experian as Closed by Consumer. However, XXXX has failed to promptly report my account as CLOSED in willful violation of the FCRA and my XXXX  account still remains inaccurately reported as OPEN. Please accurately report my CLOSED account pursuant to the requirements of the FCRA and all required and mandatory Metro 2 protocols.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

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, 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 2023-03-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC

Complaint narrative:
They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. 

Bank of New York Mellon Indenture Trustee has failed to perform their duty as fiduciary trustee of the account. 

I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law.

They have been reported the FCC for Securities fraud and violation of my registered security.

I sent Bank of New York Mellon a Money Order/Registered Security/Negotiable Instrument in the amount of {$20000.00} to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified via their Indentured Trustee, and their CFO. They have continued to ignore my registered securities and refuse to properly credit my account. 

I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone. They are also reporting my account as delinquent to the credit reporting agencies and that is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Interstate Credit Control
State: ND

Complaint narrative:
On XX/XX/2023 this company accessed my credit report and shared information that is inaccurate, false, derogatory, and outdated causing me to be denied an apartment along with a {$40.00} fee by providing a property management company with inaccurate, derogatory, false and outdated information. They also violated the FCRA by not verbally obtaining my permission to access or share any information on my consumer report and this was done in spite of me placing an extended fraud alert on my credit file to inform them that this request must be followed. This is unacceptable and has not only cost me in money but time. This problem has continued despite my prior attempts to resolve it. My next step is litigation. Hopefully this can be settled and resolved before I have to spend more money and time to rectify this matter. Attached you will find recent examples of what my address is. Attached you will also find a copy of one of the judgements that has been paid in full. 2 misdemeanor charges I received a deferred judgement on and I can send a copy if requested by email if asked. Information that is currently on file with this company is inaccurate, false, derogatory, and outdated. FCRA was violated by sharing this incorrect information with property management company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX resulting in their denial on my application. It is not good business practice to provide false information to clients and is misleading to myself as a consumer for them to not follow the laws in the FCRA. These are violations each of which constitutes a {$1000.00} fine should I decide to go to court which if not fixed will be my next course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please see the attached files. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain. 
On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition. 
He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs. 
Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions. 
Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX. 
XXXX XXXX  representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. 
XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I. 
XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time. 
After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund. 
The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions. 

On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved. 

Synchrony Bank never investigated our dispute for these fraudulent shoe inserts. 

On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ). 

Please help. 
Respectfully, 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 2023-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent an investigation request to Equifax about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Equifax happened 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681n ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Complaint against Ally Bank XXXX around XX/XX/2023 I worked at setting up several accounts at Ally Bank via their website. ( There ended up being XXXX. ) They wanted additional documentation, which I sent in. The accounts were set up by Wednesday, XX/XX/XXXX. I transferred a total of {$15.00}, XXXX into these accounts from my local checking account. 

When I got up Thursday morning, XX/XX/XXXX, I found in my in-box 5 e-mails from Ally saying the accounts were closed. I tried calling the XXXX phone number to see what this was aboutI believed Id been hacked. Unhelpful person said Id have to call their Account Division after XXXX XXXX. I did so, even though it meant being late for work. 

Person there said Ally had decided to close the accounts. I said Wheres my money? as it had not been transferred back to my local checking account. The person was again most unhelpful, and when I asked about speaking to her supervisor, she basically told me I could leave a voice-mail, but dont hold my breath waiting for someone to get back to me. Ive called them a total of 3 times, plus leaving the voice-mail. They have been nasty and not helpful. 

As of this writing on XX/XX/XXXX, Ally still has not returned my money to me. I believe at this point that they have stolen my money. They need to send it back to my local account immediately. I also believe for the major inconvenience and aggravation they have caused me, they should be heavily fined. This is not how a customer should be treated. I want my money back. I want nothing further to do with them. I just want my money back.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
Yesterday I saw I had a call from XXXX that went straight to XXXX. It was a pre-recorded message from someone claiming to be from FCR Collection Services and to call XXXX. My son also found 3 text messages flagged as spam from them ; 2 of them received within an hour of each other. I've never received any written communication from them. I am a XXXX XXXX and this company is trying to run a scam on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Wayfair Card through Citibank and ultimately made a purchase. During the process i had to return an item through XXXX XXXX. Through the XXXX XXXXXXXX app I saw the item was rerouted to someone else 's home. I contacted Wayfair immediately to start an investigation and was never contacted afterwards. The first correspondence I received was a bill. I explained to them that a portion of the bill was fraudulent and I asked that an investigation take place to sort this out. Instead I was ignored and payment was demanded. I was also told the credit card was closed months ago yet yesterday I received a correspondence yesterday which states otherwise. I am also getting two bills from two different ( Wayfair and Citibank ) entities for the same debt. They are literally trying to make me pay double the amount. No one on this entire company will or has tried to rectify the issue. Instead they demand payment even though there is possible fraud on the account./

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 2023-03-21 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: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MN

Complaint narrative:
on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you mr XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: MN

Complaint narrative:
on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you mr XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with credit acceptance and they prey upon the XXXX. XXXX XXXX owner threatened to have the XXXX XXXX XXXX to come to my house. This is another extension to credit acceptance trauma. As for transunion XXXX and XXXX. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are XXXX XXXX with XXXX  yet alone Americans law. I am formally complaining about all XXXX credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation

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 2023-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with XXXX XXXX and they prey upon the poor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is another extension to XXXX XXXX trauma. As for XXXX XXXX and equifax. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are not familiar  with English  yet alone Americans law. I am formally complaining about all 3 credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: MD

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! Please, you need remove this as soon as possible.

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