vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately

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 2024-10-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 16 U.S. Code 1681i ( 5 ) treatment
of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX, Account # : XXXX this account is being reported inaccurately, please remove this from my credit report immediately

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 2024-10-22 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: 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 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 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 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
Tuesday, XXXX XXXX I tried to contact Way2GO through the website, through their phone number, and looking online for a way to contact them. I just received the new card that expires in XX/XX/year> and I'm supposed to activate it. It gives the number XXXX or go to their website GoProgram.com. 

I couldn't remember my User ID so it locked me out. There's no one to call to unlock it so I can access my information and try to activate it this way. When I use the number, there's no option to activate the new card at all. There's no way to get in contact with a real person. No option for that at all. It's all automated. If you mess up, it merely hangs up on you. I have a month maybe to get this fix for my son to use his money. I need this fixed and someone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year>, I made a prepaid charge of {$20.00} at XXXX XXXX XXXX XXXX XXXX XXXX The prepaid charge was through the in-person cashier inside the store because their gas pump 's card reader was not working. I only used about {$12.00} and some change in fuel. The exact amount is unknown. Upon looking at my statement, I realized that I was charged the full {$20.00} instead of the {$12.00} and some change. PenFed Credit Union did provide me with a temporary credit of {$8.00} while they investigated this. On XX/XX/year>, PenFed reversed the {$8.00} credit. I called their customer service line to get their reasoning. The only response the service agent could provide is that their dispute resolution agreed with the charge the vendor claimed. I then told the PenFed service agent to close all my accounts as I will be taking my business elsewhere. This is no ill-will towards the PenFed service agent, but it is my disgust with their dispute resolution department. The service agent were extremely helpful and informed me to use all the rewards points that I had and to payoff any remaining balance that were correctly charged, which I did. Thus far, my PenFed Rewards Credit Card is paid off and closed. My Money Market account is closed. The only accounts that could not be closed are the Savings Account of {$5.00} and the PenFed Cash Rewards Card with a balance of {$8.00} that I refuse to pay because I never received the full amount of the prepaid fuel charge.

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We had XXXX payments being electronically sent to our accounts by a client who we have worked with for many years and never had an issue sending us payments to our other bank. We went to the branch and spoke with our banker who opened our account XXXX and she gave use the routing and account number. we sent this to our client and they made the XXXX payments for {$58000.00} and {$68000.00} when XXXX days passed our clients was asking us did we receive the payment and we did not we went to our bank and they said they did not receive the money after multiple days of pushing and calling and going to the branch then then said they did have the money but the routing number we used was for wires not ach and payments were sent ach so they are rejecting the payments which took XXXX more days to go back to our client they then gave us another routing number to use saying the original one is not from their bank yet when I go online it says the routing number is a fifth third bank routing number, and that routing number does accept XXXX transactions. No one on the phone or at the bank had anything to say and could not explain so the money went back to our clients after XXXX  days when it should have been XXXX and they repeated to send again with the now proper routing number provided by the banking center. Then another XXXX  days passed and no money we went ack to the branch and they are saying the routing number was again wrong and they can not issue us the funds. We are now waiting again for the money to get sent back to our client. Our client is quite upset and plans to not proceed doing business with us because of this consistent issue from fifth third bank that has been dragging these payments out for over a month with no resolve. They have no communication between back office an branches and are not truthful. This has damaged my business extensively and they say they have to follow the rules but the are literally changing the rules every time to accomadate holding over XXXX fro almost 30 days. I am a growing women owned minority business that has employees that need to get paid and clients that need services holding a payment like this is not right and then always changing the parameters to get the funds in our hands has cost me my largest client. This si not right because we followed the banks guidance every step of the way and after we do what they say then come back and say we can not give you your money because your sender sent it wrong. This is a very sketchy bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX, the average credit card interest rate is 22.63 %, which is a significant increase from XXXX when the average was 16.98 %. Credit card interest rates are usually based on the prime rate, plus a margin that varies by card and the cardholder 's credit history. As of XX/XX/XXXX, the prime rate is 8.00 %. 

As of XX/XX/XXXX, the interest rate on my VS credit card is 32.24 %, which is 10 % above the average credit card interest rate. As of XXXX, upon opening credit card account with a credit limit of {$800.00}, VS stated financial terms of my account indicated the annual percentage rate for purchases to be 26.49 % instead VS " statement for the month of XXXX reflected an APR of 27.24 %. Again, this rate in excess to the average for the year of XXXX. Subsequently, my credit line was reduced even when more than the minimum payment was being made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
As of XX/XX/year> upon reviewing all three of my credit reports they reflect that the disputed accounts are closed and negative on my credit reports. I never gave any consent.

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 2024-10-22 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: PA

Complaint narrative:
RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$230.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was given an introductory rate of XXXX percent then increase to XXXX percent on remaining balance. However when I did not pay off the residual amount of around XXXX dollars the company LOWES and Sychrony the credit debt company retroactively charged me over XXXX dollars from 2 years back on XXXX dollars. So I was charge XXXX percent for the 2 years introductory rate on XXXX dollars and was over XXXX dollars of interest wasadded to my account. This is unbelievable. I have never had that occur ever. It was alwayys my thinking that the new interest rate start at the end of the introductory period not retroactively. There has to be something wrong here. Im XXXXXXXX XXXX XXXX veteran and this is horrible. Please help me. Thanks.

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 2024-10-22 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: GA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress  and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.

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 2024-10-22 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: GA

Complaint narrative:
TransUnion is reporting a auto loan account on my credit report, that I am not liable for, nor signed contract for. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Again, I do not have account with the following company - XXXX XXXX XXXX XXXX  acct # 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 2024-10-22 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: NJ

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
WESTLAKE Financial is reporting a closed and written off account to all XXXX credit Bureaus. Account closed XX/XX/year> *** The statute of limitations for a financial institution to file a Form 1099-C, which reports cancellation of debt, is generally set by the IRS guidelines XXXX Financial institutions must file the form by XX/XX/XXXX of the year following the cancellation of debt. 

No 1099C as been submitted to me and westkale financial is attempting to collect funds on a reportly closed and charged off account Fair Credit Reporting Act ( FCRA ) - **15 U.S.C. 1681s-2 ( a ) ** : Requires that information provided to credit reporting agencies be accurate. Reporting a debt as both closed and written off while attempting to collect may be considered misleading.

- **15 U.S.C. 1681i** : Provides consumers the right to dispute inaccuracies in their credit reports, emphasizing the importance of accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) - **15 U.S.C. 1692e** : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of a debt.

- **15 U.S.C. 1692f** : Prohibits unfair or unconscionable means to collect or attempt to collect any debt.

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 2024-10-22 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent a debt validation letter to XXXXXXXX XXXX for account # XXXX my report states that I owe a debt of {$220000.00}. I have no knowledge of this account and it needs to be removed

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