vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
XXXX, XXXX, Trans Union is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX  account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: TN

Complaint narrative:
XXXX, Equfax, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are 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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A Capital One 360 checking account was closed out several years ago in 2018, closeout check was never received, appears lost/stolen, no funds received to date. Capital One rep, XXXX XXXX, attempted to reply by inferring the person whom may have intercepted check/cashed it, is related which is irrelevant.. The check was sent via XXXX while I was on vacation, intercepted, cashed by a third party, signature forged. I believe Capital One reps are well aware of this, refuse to reissue check in amount of {$4200.00} and or reissue affidavit. I was referred back to cashing bank, XXXX XXXX, in which case they requested another affidavit. The rep replying on behalf of Capital One, XXXX, has referred back to XXXX XXXX but refuses to reissue affidavit. XXXX also refuses to do the same, another rep replying on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I attempted to make 2 western union bill payments for the amounts of {$2400.00} and {$2400.00}. They were rejected by the bank I was sent them too. The bank has transferred the money back to Western Union, but Western Union refuses to refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Greetings. My name is XXXX XXXX, and I am writing in regards to XXXX, a financial institution. I have been a long time loyal account holding member, however, their business practices leave a lot of room for improvement. After noticing questionable activity on one of my accounts, I called up customer service and made them aware of the unfamiliar activity on my account. On XX/XX/2022 I canceled my debit card, and a new one was shipped right away. 5 weeks later, I notice similar activity even after the card was replaced so I decided to go into my local branch where I learned that not only had I been charged an upwards of {$450.00} in bank fees alone, that the transactions were not linked to the card, but the actual bank account number itself. I was not made aware of this from my prior dealings., and 5 of the overdraft fees alone were from the same {$3.00} dollar transaction. Yes, a {$3.00} transaction, which was later returned to me by Citi. So after two days of disputing, I was livid to learn that not only am I not entitled to the refunds of the fraudulent charges, I would also not be getting the Non Sufficient Funds Fees returned to me as there was no notation on the account of me reporting the previous transactions as fraudulent when I requested the new debit card sent to me. 
I would like to lodge a formal complaint against the Citi Corporation as I am quite certain there are others who are entitled to having funds returned to them in the same manner I am, and given we are still recovering from a pandemic, there should be some regulations put into effect that protect consumers from these types of grievances. 
This matter was addressed with the corporate office only after I filed a complaint with the Better Business Bureau, where Citicorp further insist I am not entitled to my funds being returned to me as they do have no policies in effect where they are no longer charging fees in this manner, however since these discrepancies occurred before the policy changes were put into effect, my charges are not subject to a refund. XXXX XXXX XXXX It should also be noted that I have two references numbers regarding this complaint as their customer service line was unable to locate the first dated XX/XX/2022 ( or claimed that one did not exist ) which is XXXX. The second reference number which was given on XX/XX/2022 is XXXX. 
I would also like to add that when I did ask for the assistance from my local citibank branch, on XX/XX/XXXX, I was told by the branch manager that some of the fees should not have been assessed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America withheld my cashiers check and did not make it available as required by regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Around the first week of XX/XX/2022, Citi Bank allowed XXXX to debit my checking account for an unauthorized amount of {$100.00}.

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I received an award along with a {$50.00} American Express gift card from my employer earlier this year. I went to use the card, only to find out it has already been used to make a purchase on XXXX and only has a {$7.00} balance. I called American Express customer care, only to be told that the card is treated like cash and I have to resolve it with XXXX. I called XXXX, only to be told that I need the account information of the person or business entity that made the transaction. They refused to look up the transaction by the card number. I'll never know the account information of the person or business who used my card, and I had to pay taxes on this gift from my employer. This is incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Card, Back on or about XX/XX/XXXX, I made a payment arrangement over the telephone with Discover Card 's customer service to payoff my debt. I was instructed to pay {$620.00} to pay off my debt. I agreed to pay {$310.00} x XXXX = {$620.00} on or before XX/XX/XXXX. 

I made the first payment received by Discover Card on XX/XX/XXXX. The second payment was received on XX/XX/XXXX. Since XX/XX/XXXX, Discover Card refuses to send me a Debt Collection letter affirming my debt is paid in full. My debt remains open to all three credit bureaus. On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, The Executive Office at XXXX refuses to send me a Debt Collection Close Out letter so I can have XXXX XXXX XXXX advocate on my behalf to have this debt declared CLOSED and PAID IN FULL. 

At various times on XX/XX/XXXX, and XX/XX/XXXX, I have been told by unsuspecting Customer Service Reps that my original payment plan " is not in their system. '' Meaning, they have no notes written in their database regarding my agreement I made on XX/XX/XXXX. 

On XX/XX/XXXX, I " audio recorded '' a Service Rep. admitting my last two payments received on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX when a male, service rep, " XXXX, '' who works at the Executive Branch Office attempted to feign no ignorance of my original payment plan, I told him I audio recorded my earlier conversations proving my payments were received. 

Discover Card does not send payment receipt records to their former customers. Instead, I got a letter showing my outstanding balance. This is how Discover Card reneges on their Final Debt Arrangements and Promises in order to circumvent the law. 

Discover Financial Services , Inc. and Discover Card are CORRUPT!!!!!!! 

They have a pending federal lawsuit filed by me. This is adding to my frustrations. They are in violation of NYS Fair Debt Collection Act. NYS and the Federal Fair Credit Reporting Act. 

I DEMAND my Close Out, Debt paid in full letter ASAP!!!! 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried multiple times to have identity theft fraud acounts taken off of my credit report. Equifax, XXXX  and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: VA

Complaint narrative:
I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, expierian and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be 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 2022-07-22 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: AZ

Complaint narrative:
I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports ( TransunionXXXX ) I have not applied for anything and these need to to be removed. 

XXXX XXXX, XXXX. 
XXXX : XXXX. XXXX, 2022 XXXXXXXX XXXX XXXX : XXXX. XXXX, 2022 Transunion XXXX XXXX XXXX : XXXX. XXXX, 2022 XXXX XXXX XXXX : XXXX. XXXX, 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CA

Complaint narrative:
These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/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 2022-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries on my credit report were not from me 1. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX ) XX/XX/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 2022-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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