vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!

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 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX, 2023, XXXX added cash to her XXXX  account using the add cash feature on XXXX amounting {$1000.00}, which was deducted from XXXX XXXXXXXX XXXX State Employee Credit Union debit card ending in XXXX. XXXX cashed out ( deposited ) at XXXX, on the same date, XX/XX/2023, a total of {$1100.00} to XXXX XXXX State Employees ' Credit Union account which is linked to the same debit card - # XXXX. 

Also on the same date XX/XX/2023, XXXX transferred funds in the amount of {$1000.00} from her State Employees ' Credit Union debit card to XXXX XXXX 's XXXX account - XXXX XXXXXXXX. This amount was then cashed out by XXXX and instantly deposited to her XXXX XXXXXXXX account ( attached ; please note, in the XXXX XXXX XXXXXXXX photo attached, it only shows a deposit of {$1000.00}. To instantly deposit a transfer from XXXX, XXXX had to pay a processing fee of {$17.00}. ) However, the {$1100.00} mentioned previously was never deposited back into XXXX 's account. Instead State Employees ' Credit Union duplicated the withdrawal of XXXX 's original transfer of {$1000.00} through XXXX, and withdrew a total amount of {$2000.00}. 

XXXX opened a dispute with State Employees ' Credit Union and XXXX. XXXX, states that the transaction was only initiated and transferred once. However, State Employees ' Credit Union states they are unable to resolve any occurrences that involve wire transfers with XXXX and the dispute would need to be settled with the person or individual the funds were transferred to. If a proper investigation was conducted, one would see that XXXX 's transfer of {$1100.00} was to her own State Employees ' Credit Union account- which was never deposited. The occurrences we are trying to resolve relates to them, State Employees ' Credit Union, duplicating the withdrawal of {$1000.00} and having no account of the deposit of {$1100.00} ( evidence attached ). This dispute was opened with XXXX on XX/XX/2023 and the letter of denial is dated XX/XX/2023. Yet, I received the letter in the mail on XX/XX/2023 ; which tells me SECU did not properly investigate. 

There are two matters at hand that need to be reconciled. I only authorized {$1000.00}, to be deducted from my account once to XXXX 's XXXX account. Unfortunately, State Employees ' Credit Union withdrew the amount twice and will not take accountability nor accept supporting documentation of the mistake they made. Furthermore, my bank account does not show the {$1100.00} was ever deposited. 

All documentation that support this claim is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Fraudulent inquiry dated XXXX. I asked the inquirer ( JC Penny ) and the credit bureau ( XXXX ) to remove this fraudulent inquiry. Both parties have disregarded the law.

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 2023-09-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

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 XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

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, and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
XX/XX/XXXX there was a ring at my doorbell. A young gentleman with XXXX envelope. He handed it to me and said, Youve been served. Baffled I immediately sent a letter to Hunt and Henriques LLP, explaining that Ive never received any notice to collect that debt from that company and I also asked that they Validate the debt. I asked for a signed contract between the parties and a license number verifying that they can Collect in the state of my residence in that debt validation letter. They proceed to mail me a list of itemized transactions which is not what Ive asked for. This has caused me and my family so much stress. I do not know this company. I asked again for VERIFICATION of the debt but it seems like they only want to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 and I can't even sleep properly because of this problem. I am begging you to update my account 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
Consumer complaint received 2023-09-19 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: VA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-19 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: NY

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.

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 2023-09-19 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: CA

Complaint narrative:
Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID attached.

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 2023-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
I requested a refund for {$1200.00} sent to my energy company because I received a government grant. I was denied my refund 4 times and Ive been asking for 2 weeks why my dispute was denied. They still havent sent a response. The XXXX suggested a complaint to this agency because its illegal to not tell why a dispute was denied. I would like my refund because I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Balance has been paid off but still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Balance has been paid off but still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Balance has been paid off but still shows on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MI

Complaint narrative:
My income XXXX payment is {$0.00}. I just got a bill for over {$1800.00}. There is no way to get ahold of them. They don't answer the phone even after hours on hold. They don't call back if you use the call back option. They don't reply to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, i send in my request to the three credit bureau to have some of my stuffs on my credit report removed. i send my request XX/XX/2023 but these date i havent recieve anything. Most of the informations on the reports are incorrect.

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 2023-09-19 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: SC

Complaint narrative:
To whom it may concern, i send in my request to the three credit bureau to have some of my stuffs on my credit report removed. i send my request XX/XX/2023 but these date i havent recieve anything. Most of the informations on the reports are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: AR

Complaint narrative:
I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get help.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank Mills fleet farm This account was set for auto payments. It was never taken off auto payments. 
For whatever reason, synchrony Bank removed it from auto payment and never contacted me. 

There were no statements sent and there were no phone calls made. I reached out to synchrony about this and they gave me the runaround and we're supposed to send me after 30 days following my complaint and dispute documentation. They never did. I reached out again and they told me 45 days every time I'd call they tell me it would be another 15 to 30. I actually had my mortgage lender reach out as well to document these calls with us. I reached out over 12 times and they would never let me speak with anyone to go over my account. They kept telling me that they were going to send me a decision via mail. They never did. 
When speaking with them they acknowledged that no one had ever called me letting me know that I had a past due balance. I never received any mail stating I owed a past due balance. They said that it was abnormal to not have received a phone call. 
In addition, they charged off the account in 18 months. And never contacted me about this either. 
I didn't even know anything about this until I went to purchase a home. 
I have paid every single one of my bills on time my entire adult life. My other accounts with synchrony have impeccable payment history. 

I believe that they charged this account off during the covid relief. It is abnormal for an account to get charged off in less than 2 years. Especially without contacting the account holder. I would also like the letter that I was promised in writing 3 years ago stating what they found in their investigation. 

I said I'd be happy to pay them the {$800.00} that they never contacted me about if they would remove it off my credit and they said absolutely not. It was already charged off.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

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 XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I want the company to remove the fraudulent inquiries in 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