vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.

According 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Pursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Chime Financial Inc
State: WI

Complaint narrative:
First I have to say that I am confused as to who you are referring to when you ask if the " company '' was contacted?? Are you referring to the merchant or the Financial Institution? ( In this case, Chime Financial ) I have contacted Chime and that is the issue! 
On XX/XX/2023, I requested that a block be placed on my debit card for a particular merchant, XXXX. They acknowledged my request and stated that a block had been placed. 
However on XXXXthey allowed the merchant to take {$260.00} from my account! I contacted Chime immediately and requested that they stop or reverse the transaction since the block had been placed on it. At this point I wasn't very upset! it wasn't until they told me that they had to wait until the transaction " settled '' before they could do anything AND that they would need to conduct an investigation! INVESTIGATION???? WHY? YOU PLACED A BLOCK ON THE ACCOUNT!! It never should have been allowed to happen!!!! 
I am more than XXXX! Not only was the transaction not authorized, but it those funds were already earmarked for a different purpose and it cause me to overdraft! 
This is not the first time this bank has mishandled my funds. Even though the previous situation did not include a block, someone somehow got a hold of my account information and stole {$300.00}! They wouldn't do a XXXX thing about it!! And what also adds insult to injury, is they won't close the account and allow you to open another one! 
RIDICULOUS!! Plain and simple, they should not be trusted with anyone 's money! 
Their business practices are at the very least, shoddy! 
I know there are others out there who have had legitimate issues with them so I am going to try to get a class action suit started against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, EQUIFAX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX XXXX XXXX and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX  CARD HOLDER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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 recently checked my credit report and saw accounts reporting that I do not recoginize

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has caused me significant distress, to the poinXXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is regarding my previous complaint : XXXX. This complaint was closed, without it being resolved. XXXX, who works at Synchrony, and replied to the previous complaint, gave her phone number in regards to seeking information about the charges at Synchrony Bank, will not answer the phone, and won't call back on the numerous voicemails I have left her. The fees in question originally with the original complaint that were on my account, are still there. They have now added to my interest-free payments, a XXXX  amount of over {$100.00} - I have not made any purchases, and I have not used the credit card at all, besides what was already on there for my interest-free payment. This company is still trying to scam me out of anything that they can, and can't explain any of the charges properly- and are now trying to scam me again. My balance went up, but there isn't an explanation in my account activity. XXXX erased the balance I was seeing to make it look like she resolved it but then went up on my overall balance to hope I wouldn't notice.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED OR USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I received notice once again, as a court doc from Hiday & Ricke PA. regarding court records with XXXX bank, records that are closed in the court systems, some sort of debt that is TIME BARRED FROM XXXX... The XXXX stated they were contacting a current credit card that I am in good standing with unrelated to XXXX- and they XXXX  for information of my PERSONAL BANKING INFORMATION, I then received an email from the credit card company I currently use, explaining if they didn't receive a court order to not give my information, they were obeying Hiday 's request for my banking information as well as other personal information ... However, my credit card company never sent a formal letter in the mail, so I did not answer it, I suspect phishing.. In addition, I was an employee of this HIDAY, in another affiliate office, located in XXXX XXXX, working in their debt collection dept several years ago.. HIDAY had my banking information from payroll and during the pandemic, went into my bank account and emptied all my money and left me with nothing .. After some correspondence with the Florida Attorney General and XXXX XXXXXXXX XXXX XXXX.. My money was returned and after 10 years of having my account, I was forced to close it due to any more surprised and unauthorized garnishing... This Hiday is a 3rd party debt collector with no proper staff of attorneys and no one to answer their phones properly.. They use XXXX  WORKERS AS THEIR ATTORNEYS AS NEEDED.. They also go by the name of XXXX to trick the consumer to think they are a car dealership debt collector as well ..I like to remind this collector, a NEW LAW was put into affect, collectors of old debts can not be obtain anymore... They can talk with the state senator who put that new law into place after hearing my story... In addition, I sat down with XXXX XXXX  2 YEARS AGO TO GO OVER MY FIANANCIALS IN GOOD FAITH, IF ANY... I was told by the banks branch that was old debt they couldn't give any details because it was from XXXX  and sold off ... At this point I feel once again MY PRIVACY RIGHTS HAVE BEEN INVADED... I will be following suit for that...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy a house and I realized I had damages to my credit report. According to the 15 US C1681 law ( A statement by the customer that the information is not information relating to any transaction by the consumer ). There should not be any damages on my report! Its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Incorrect account : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$2700.00}

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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX sent communication via mail stating they are debt collectors and are attempting to collect a debt. Communication dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from American Express in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that American Express allowed them to make an offer to regain card membership and reinstate the account. I then sent XXXX communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from XXXX XXXX XXXX, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from XXXX in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with XXXX XXXX XXXX. 
As stated in the communication sent to XXXX, I believe they may be an innocent purchaser of the alleged debt. As American Express may not be in compliance with their prospectus. An audit of both accounts, American Express and XXXX is being requested for tax purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late 120 days Experian XX/XX/XXXX late 150 days XXXX XXXXXX/XX/XXXX late 120 days. Date opened XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXX XXXX XXXX XXXX  I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXX, 120 days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to XXXX XXXX they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. XXXX payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.

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 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I received an unsolicited debit card from ACE Elite Visa, called the company to inquire about the card and account I didn't open. XXXX says they see the account in my name, but will not allow be to dispute the account. Account and card have not been activated.

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