vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Opened a credit card with synchrony bank and they offered {$100.00} cash bonus after spending {$1000.00}. I completed the requirement but never received my bonus. Called several times and did not get a response. This unfair business practice and deceptive advertising

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have new & updated information on Transunion, XXXX, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent XXXX, Transunion, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )

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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have new & updated information on XXXX, Equifax, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent Equifax, XXXX, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Over the past month I've been receiving several phone calls from Southern Finance. They have left multiple of voice mails even after I sent in a dispute letter they still chose to call at inconvenient times especially when I'm working. I have proof that they are calling repeatedly and leaving voicemails and they have not corresponded to my validation letter. They also threatened to " take action their way on their terms ''. No debt collector has no rights over any consumer. I need them to prove to me that I am a so called " borrower '' and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX of this year, I filed a claim for stolen funds off of my " Vanilla '' card and I proceeded to send them a written copy ( provided by them ) of details for how much was taken, etc. I am still waiting for resolution to this matter! I have emailed them about the status of the case, and received no reply except for one stating they couldn't find my account info! Ugh! I immediately wrote back and told them I made copies of EVERYTHING so it shouldn't have taken this long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal limited my account last XX/XX/XXXX. They said that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. I tried to explained to them that my account has been hacked and someone used it to illegal activities. I tried to call them and email them this past month explaining my side but my appeal turn into deaf ear.. Now that I got back my Paypal account to the hacker. Changing password and changing the phone number so that It will not hack again. I would like to use it again because this is where my boss send my monthly salary and this is where my clients is sending their payments. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: PA

Complaint narrative:
XXXX has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your 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 explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX program ( XXXX XXXX XXXX ). I was making weekly payments of approximately {$150.00}. 

At the end of XXXX XXXX XXXX XXXX went out of business. The existing lease contracts and vehicles of XXXX XXXX XXXX program was purchased by XXXX XXXX XXXX. I kept making payments to the XXXX XXXX XXXX. I kept the car until XX/XX/XXXX and I had never missed a payment. I made all the payments on time and had no complaints from both of those companies. I returned the car at the end of lease agreement and paid the final bill. I've never received any notice from them after returning the car. 

Besides that, I kept doing business with XXXX XXXX XXXX and leased 2 more cars in the following 2 years. I used each of them for approximately 1 year and returned them without any problem as well. Everything was fine up until I get this notice from a collection company called " Receivables Management Partners ( RPM ) ''. 

RPM claims that I owed XXXX XXXX XXXX {$720.00}. I explained them that I didn't owe anything but they asked me to get a proof that I don't owe XXXX XXXX XXXX any money. Both XXXX XXXX XXXX and XXXX XXXX XXXX have ceased their operations long time ago. Therefore, I can not get in touch with any of those companies and ask for a proof. 

The debt that RPM claims to belong to me, has never been requested from me by the companies that I allegedly owe. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX contacted me about a debt.

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 2022-03-27 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-27 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: MI

Complaint narrative:
On XX/XX/2022 I viewed my credit report with Equifax and found many inaccuracies. On or about XXXX/XXXX/202 I disputed all the inaccurate information. As of today ( XX/XX/2022 ) I have not received a response or any information with regards to my disputes. On XX/XX/2022 I tried to look at my credit report and I was unable to for whatever reasons. I called Equifax and told them XX/XX/2022 on requested a copy of my credit report because of this. I was told that they were sending me a copy of my credit report yet I have not received it. I called again today and was told that they sent it to me however I never received it in my locked mailbox. Im still unable to see what they are reporting about me and if they have corrected the inaccurate information. It is unfair to have information reporting about me that I have no knowledge of or can not be made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: LA

Complaint narrative:
In Accordance to the Fair Credit Reporting Act, XXXX  account number XXXX. 
XXXX XXXX XXXX XXXXXXXXaccount number XXXX XXXX  XXXX  XXXX account number XXXX XXXX XXXX  XXXX XXXX  Account number XXXX. 
XXXX XXXX XXXX  account number XXXX US District Court 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 states a consumer reporting agency can not furnish an 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 2022-03-27 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: AmeriCollect
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my 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 2022-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: GA

Complaint narrative:
( Simon 's Agency, INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$50.00} ). The collection notices been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my 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 2022-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's mailing correspondence address is po box XXXX, XXXX XXXX, South Dakota XXXX. XXXX, the call center manager, has a Macy 's fax correspondence number at XXXX XXXX XXXX. XXXX is an offshore call center manager for Macys. 

I called Macy 's XXXX XXXX XXXX XXXX and spoke with XXXX. He told me he couldn't tell me if my current card was active and asked me to call a cell phone number. I asked for his supervisor. The supervisor was XXXX. She said that she was told that I tried to make a transaction and it was declined. I said that is not what I was not what I was calling about. I said, I want to know if my card is active. XXXX said, the card is active until XX/XX/XXXX. Then I was told by XXXX that I couldn't use my card now after she said I could because she said the system did a change on the expiration date and I could no longer use this card even though I did not request a change and did not activate the new card. 

Now I asked XXXX to let me speak to her manager and she says, the manager is not available. Then she said the manager is available and transferring to the manager and was put on hold. 

XXXX, manager says XXXX investigation is initiated. XX/XX/XXXX expiration fraud requires new card as of XX/XX/XXXX. XXXX says many customers have the same problem when a new card is sent the last week of the month Macys changes the expiration date to the future expiration date of the new card before it is activated and without customer knowledge or customer permission. XXXX, XXXX and XXXX are offshore contracted customer service for Macys.

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 2022-03-27 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: Capio Partners, LLC
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consume reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Someone opened an account with my name called milestone credit card info on XXXX. XXXX  was XXXX dollar limit they charged XXXX dollars acount.opened XX/XX/1922 22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I disputed a charge on the Barclays Bank credit card as soon as it appeared on my statement for a service I was not happy with on XX/XX/2022. In mid XXXX of 2022 the merchant agree to the dispute and directed Barclay to credit the charge. The merchant has let me know that they will not charge me and the bank on their side has said there is nothing more for them to do. Barclay Bank needs to simply remove the charge from my card. Instead, they advised the merchant that they would respond to their request to refund the charge by end of XXXX. Barclays has added it back to my card and requested payment. 

I can not get anyone to speak with me about it and, to date, the charge is on my card and they are requesting payment by XX/XX/XXXX. In the meantime, due to their delay to reverse this charge, I will also be charged fees and finance charges on the balance. 

This is criminal for a bank to manipulate funds and customer use of their credit card in such a way. They are setting themselves up to make money from a customer dispute matter. 

I am not alone in this complaint with Barclays Bank credit card. A quick perusal of their social media page tells that this unethical ( criminal? ) behavior is how they perform in their daily business. 

PLEASE do something about this for me and all others who are victims to this bank 's unethical behavior.

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 2022-03-27 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: MI

Complaint narrative:
I have several inaccuracies on my transunion credit report and I have disputed them all dating back to XX/XX/XXXX and I have not heard back from the bureau with any information in regards to my disputes and its now XX/XX/XXXX. I have wrote many letters with no response. I have not seen or been made aware of any changes to my 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