vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting closing an account on XX/XX/2021. I do not recognize Thais account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dears at Consumer Financial Protection Bureau, greeting On or around XXXX XXXX I contacted CEO American Express to process my judgement XXXX, then I contacted him 3 times later I never received any reply So far, please contact XXXX XXXX XXXX American express CEO For me, thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I placed a transaction with my XXXX XXXX XXXX  on XX/XX/2023 for the amount of {$4000.00}. I received an empty box with the merchant and tried to resolve it with the merchant. I also filed a police report regarding only receiving an empty box for my order. I proceeded to dispute the transaction with American Express. Initially, American Express closed the dispute in my favor after about one month. However, the merchant submitted tracking saying it was delivered and the bank re-opened the dispute and sided with the merchant. I don't understand how proof of delivery was enough to overturn the decision in the merchant 's favor when I was disputing that I received an empty box, not that I never received it. I submitted the empty box I received, a signed letter stating I received an empty box, and if needed, I can also submit the police report stating that I received an empty box from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I have spoken to United Collections Bureau Inc regarding a bill sent to me for medical provider services. I explained to them that I have insurance that was never billed. They told me that they sent the information and it was returned. I called them on XX/XX/XXXX and explain that my insurance company was never billed. All they wanted was for me to pay. I asked for the information on the company that sent it and an itemized bill. I was told that they dont need to provide that to me and I needed to " XXXX XXXX it. I finally found the originator XXXX XXXX XXXX and they said because they had a bad home address they immediately sent it to collections and can not do anything to help me. The date of service was XX/XX/XXXX 6 months ago. I can not get them to bill my insurance to satisfy this bill and they refuse to do anything except ask for money to satisfy. I have spent 5 hours on the phone trying to get someone to do something and just get harassed and no effort to resolve/submit billing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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:
I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I've attached a screenshot from a text I received claiming to be from XXXX and Synchrony Bank. I clicked on the link, and it took me to a page that looked like the XXXX your bill without logging in website. However, the first thing the page asked for was my Bank XXXX XXXX and Account XXXX. I stopped and closed the website. 
The link that is in the text XXXX XXXX XXXX  XXXX I tried typing the link in my address bar and got a message that it had expired and to call customer service, but if I go back to the text and click, it takes me to the page asking for my banking information. 
I might be wrong but this smells fishy. 
Hope this helps. 
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 2023-04-10 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: MD

Complaint narrative:
This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.

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 2023-04-10 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: MD

Complaint narrative:
This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
My credit report reflects a late payment XX/XX/XXXX  for XXXX XXXX. Which I was not aware of this payment being past 30 days late. I wasn't notified about the payment being so late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had call Wells Fargo on XX/XX/2022, to notify them of a scam happening in my checking account for them to cancel a transaction of {$980.00} sent to an XXXX XXXX that I did not authorize the person I spoke to at Wells Fargo said not to worry about that transaction because it was being cancelled. A day later I checked my checking account and learned that money was transferred XX/XX/2022, to this XXXX XXXX person. I went into the Wells Fargo branch to discuss what had happened and I learn that when I called to report the scam it was wrongly processed. It was processed as a lost debit which I never reported that I told them a transaction was being made because someone was able to access my checking account to cancel the {$980.00} amount. It was never cancelled even though I reported it in minutes of learning what was happening. Wells Fargo made an investigation after I spoke to management and explain how this person called me and said it was trying to help me get my money back, but it was the other way around he was trying to get everything I had in my checking account and was successful by transferring {$980.00} into his account or some kind of card. After Wells Fargo made an investigation, they decided they couldn't return my money because it showed I authorized it even though call and explain of a scam and I also went into the branch and explain exactly what happened. They said that it had happened to other people and a week later I learn by media that other customers were having the same situation as mine and dealing with Wells Fargo not helping or protecting their costumer.

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 2023-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Someone claiming to be Navient told me that my brother, whom is the primary borrower was relived from the loan and I ( co-signer ) was inserted as the primary borrower. My brother claims he has been told repeatedly that his loan was forgiven due to the recent lawsuit against Navient. I think this is a scam but I can not afford to assume since I did co-sign the loan many years ago. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/2020, I paid off this account in full and Ford Motor Credit agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. Ford is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. These accounts are not mine.

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 2023-04-10 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I placed two orders with the clothing store New York & Company ( order dates XX/XX/, XX/XX/XXXX  ) using their New York & Company RunwayRewards Credit Card by Comenity Bank. I returned those orders within a day of receiving them but have yet to receive a refund. As shown in the provided XXXX  tracking numbers, NY & CO has received all returned items. Despite confirming receipt of all returned items, NY & CO has failed to provide a refund or an explanation of why a refund has not been issued in over 30 days. 

I started requesting a status of my refunds on XX/XX/. During a telephone conversation with NY & CO customer service, they indicated that a deduction of {$9.00} is applicable to my refund amounts. 

On Tuesday, XX/XX/, I contacted Comenity Bank ( Bread Financial ) to file a dispute regarding these transactions since the store failed to provide a refund after receiving the returned merchandise. Their representative refused to file a dispute for these transactions stating that I could not file a dispute because the merchant was known to me, and because I authorized the charges. She also stated that I would continue to incur finance charges against my balance. I explained to the representative that despite authorizing the charges, I was disputing those amounts because the merchant had received their merchandise and failed to provide a refund. This bank still refused to initiate disputes for these transactions. On XX/XX/, I received an interest charge on my statement for these purchases. At this point, this bank is making money off of purchases that should no longer be on my account, as well as refusing to file a dispute on my behalf. 

It seems unscrupulous for a financial institution to refuse to dispute transactions for valid reasons while also charging interest for said transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On 5/30/2022 a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. Equifax failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report May 2021 presents willful noncompliance.

In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: IL

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 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 5U.S.C1681section6 0 2A. States I have the right to privacy.

1 5U.S.C1681Section6 0 4ASection2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5U.S.C1681c. ( 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.

1 5U.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 information is inaccurate.

Company response to consumer: Closed with explanation