vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: AL

Complaint narrative:
I was contacted by phone by a representative of Joseph , Mann & Creed about a debt to a company called XXXX for payment of a motorcycle monthly bill of XXXX. My bank was referenced as the connection to the debt. I told the representative that I will call my bank and call them back. I spoke to a rep from my bank that owns has the lean on the motorcycle and they assured me that the account was in good standing just as the bank website is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX around XXXX, I attempted to make a cash deposit of {XXXX into my checking account via XXXX at a KeyBank XXXX XXXX XXXXXXXX XXXX XXXX  XXXX The ATM accepted the cash, kept it, but did not credit my account. Instead, i was given a slip saying there was an error and to resolve the issue in person at a branch. 

When I returned the very next day, when the bank was actually open, they acknowledged that the XXXX had extra cash  stuck inside but did not count it or seemingly do anything to keep my funds from being lost. They told me they filed a dispute and would conduct an investigation. 

When I returned on XX/XX/XXXX, after receive absolutely no communication as to the results, i found that the teller had not filed my dispute to the correct place and my claim was denied. The person helping me at this point claimed to pass it off to his XXXX and the original teller that filed my dispute to the wrong location. At this point they told me they would call me on the XXXX to inform me of more details and a possible provisional credit. 

Today is XX/XX/XXXX, and i have received no communication. I also sent an email to their customer service over a week ago, with no follow up communication. 

At this point, I've been into the branch in person twice ; reached out electronically ; given them more than the 10 days the electronic funds transfer act allows them without a provisional credit ; they have never even admitted to taking my funds in the first place, beyond saying the found some cash in the ATM that morning. I don't see a difference between my situation and handing my money to a human teller, who then loses it and denies me ever handing it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX I was sent a fraudulent card in the mail by JP Morgan Chase. I called them immediately about the card and it was said to have been marked fraudulent and I was able to place a fraud alert on my credit. I had another incident where someone tried to apply for a card under my name and when I went to file for a police report and called Chase to get information about the fraud card, it was never marked fraudulent so that I could get the hard inquiry off of my credit report. I now have a credit freeze on my credit because of both incidents ( other incident occurred with XXXX XXXX card on XX/XX/XXXX. An application was opened under my name and XXXX  called me about the fraudulent application for their XXXX card. This was marked fraud and has been sent to the state police for a police report )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX. # I.C. Systems XXXX # XXXX XXXX XX/XX/XXXX To Whom it May. 

I am in receipt of your notice dated XX/XX/XXXX. I have been in dispute with Since XXXX of XXXX, when I called and complained about the inability for XXXX to Live Up to the terms of their service agreement. XXXX has been unable to provide me the signal strength required to receive phone calls for my business, and the several attempts I've made to resolve this matter have met with failures on their part to live up to the terms of their service agreement. 
My home office is located on XXXX XXXX and the lack signal strength they provide in my town is widely recognized by dropped calls, continual impaired signal strength They acknowledged this and offered to send me a range extender that I was told would improve my service. This was in XXXX of XXXX, I agreed, and they never sent it. I called and told them and due to poor customer support, resulting in log wait times, outsourced foreign support representatives that had no ability to resolve my complaints. Each time I would explain the issues, it was like having to give a rudimentary class in English. Foreign representatives would need to transfer me to a the XXXX support, which was worse, and on the several occasions when I was able to talk to them, they failed to follow-up on anything that would cure this problem, or even returning my calls. It is my contention that XXXX could care less about fulfilling their contractual responsibilities. 
I had been left with no option but to transfer my phone service to XXXX mobile to resolve the problems. It is their failure to fulfill their contact obligations, and because of this breach of contract with XXXX I am disputing their charges in full, and further demanding payment for the phone lease in the amount of {$650.00} in return. 
XXXX 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 2023-06-05 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: CITIBANK, N.A.
State: CT

Complaint narrative:
It shows someone tried to open a new account with exon bin my name in XXXX of this year and wont give me any more information

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had debt from Conns I went online and it said the payoff was XXXX and a past due balance of XXXX. I paid the XXXX on XX/XX/XXXX. My bank posted payment on XX/XX/XXXX. They say they received it on XX/XX/XXXX but I am getting calls and e-mails that I owe XXXX dollars. They will not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: OH

Complaint narrative:
Macy 's credit card. On XX/XX/XXXX I reported XXXX fraudulent orders from Macys.com which were charged to my Macy 's credit card. On XX/XX/XXXX I reported these fraudulent charges via phone with XXXX XXXX XXXX department. XXXX 's cancelled XXXX of the charges and did not ship it. The second charge order number XXXX they shipped on XX/XX/XXXX. I called Macy 's again on XX/XX/XXXX to tell them they shipped the fraudulent order to a fraudulent address and I was told the XXXX charge would not appear on my bill. Macy 's mailed me a new credit card. On XX/XX/XXXX, I received a bill from Macy 's in the amount of XXXX. I called them on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX to file a formal complaint. He would not tell me their bank regulator name or consumer protection agency name. I requested that no more bills be sent to me and to close my account. I did not receive email confirmation of either as requested. I did not receive email confirmation of my formal complaint as requested. XXXX disconnected the conversation and did not call me back. On XX/XX/XXXX I received another bill from Macy 's which includes the XXXX charge, a late fee of XXXX and interest of XXXX. I want written confirmation of a XXXX balance and written confirmation that my account is closed. I want confirmation that any adverse credit reporting regarding a past due bill has been corrected.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: GA

Complaint narrative:
This is about XXXX XXXX XXXX XXXX sending a wrongful debt of XXXX XXXX on my name to the debt collector Prince Parker. I an ex XXXX XXXX XXXX XXXX. I had closed down my XXXX XXXX XXXX internet and wireless account more than 2 months ago & I moved to another provider for better services. Before closing down XXXX XXXX XXXX, I paid all my due bills for internet & wireless account. I did not owe anything to XXXX XXXX XXXX. I moved my home internet and mobile provider to another provider and now I am not even an XXXX XXXX XXXX customer. I checked my online account & also spoke with the XXXX XXXX XXXX Customer service and I was told that I do not owe anything to XXXX XXXX XXXX and my balance is XXXX. Then why did XXXX XXXX XXXX wrongfully report this to Prince Parker Debt collector when I do not owe anything to XXXX XXXX XXXX. Again, I am not even an XXXX XXXX XXXX XXXX XXXX XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My father and I have essentially the same name and therein lies the initial problem. He's technically " XXXX '' and I am the " XXXX ''. My father opened a Belk credit card two months before I was born ( the account was opened in XX/XX/XXXX and I was born in XX/XX/XXXX ). At some point in time, some of my info ended up on the account my father opened -- possibly when Synchrony started managing Belk cards, but I can't be sure. I did not realize my info was intertwined in my father 's credit card until my father passed away in XX/XX/XXXX. As my father passed away, he stopped making payments on this credit card. As best I can tell from the XXXX reports, he had an outstanding balance on the card of {$1200.00} when he passed away. As the late notices and fees piled up after his passing, I started to get notices from XXXX about my credit score dropping. I filed an investigation request with XXXX and explained the situation to them. After 3 investigations, XXXX continued to say the bank ( Synchrony ) claimed the card was mine. At that point, I began communicating with Synchrony. Several times now I have supplied Synchrony with all the information they have requested -- copies of my driver 's licenses, my SSN, my father 's SSN, my father 's death certificate. I emailed ( XX/XX/XXXX, XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX ) this info to them, and even faxed it one time ( XX/XX/XXXX ) based on their request. I have spoken to numerous XXXX representatives on the phone with promises this will be taken care of. Unfortunately, every time I open my Synchrony dashboard online ( I have at least 5 other Synchrony accounts that I pay off each month ) I still see this credit card info with late fees amassing. Every time I see this card info on my dashboard, it's a reminder of my father 's passing that I don't need. I loved my Pop and this is like a punch to the gut. 

This really isn't rocket surgery. The account was opened 2 months before I was born. All the charges on the card and payments to the card have occurred in North Carolina. I have lived in Georgia since XXXX. Somehow my SSN got placed on my father 's credit card info over the years and now my credit score continues to take a beating after his passing. I let Synchrony know I was going to file this complaint and they continue to drag this situation out.

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 2023-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX  account number : XXXX, XXXX  account XXXX : XXXX, XXXX  account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-06-05 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: FL

Complaint narrative:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor Equifax, nor XXXX have deleted it yet. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Erroneous/Inaccurate Account : XXXX  - Date Opened : XX/XX/XXXX Erroneous/Inaccurate Account : XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX Date Opened : XXXX XXXX, XXXX Erroneous/Inaccurate Account : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Please supply information on how you have verified this item ; and if you can not provide the aforementioned ; remove it immediately. 

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Company response to consumer: Closed with non-monetary relief