vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I joined a promotion of XXXX XXXX XXXX in XXXX in Citi Bank XXXX XXXX branch, that is I deposited {$50000.00}, I can get a XXXX gold tiger, it cost around {$250.00}, the bank promised I can get it before XX/XX/XXXX, but I didnt get it at that time, when I got to the branch, they told me they dont have it for me. I reported a complaint to you on XX/XX/XXXX, then I received an email from Citi Bank company on XX/XX/XXXX, they told me that they sent me a new XXXX XXXX XXXX Promo gift on XX/XX/XXXX and it can take XXXX weeks to arrive. But it passed almost XXXX months, the branch havent received it yet. When I called Citi Bank, they told me that they didnt know the status, maybe it was lost on the road, and they didnt have the tracking number. After that, they didnt answer me any email.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been calling Equifax on the following days trying to get my simple credit report. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Their staff either doesn't understand XXXX or makes mistakes & I've wasted at least an XXXX  of my life each time I have called. 

I was told my report was snail mailed to me XXXX weeks ago. I never got it. Then I get some letter saying I disputed something when of course I didn't because I NEVER got my report, so how can I dispute something I never got. This is how stupid they are. 

First I couldn't get an online account created over & over ( at least XXXX  times ), then I had to fax them my ID twice. 

Even AFTER they had my ID, the online account couldn't be created & a password reset wouldn't work over & over. 

This last time I spoke to a manager, she made me jump through hoops telling me I didn't have an account when I knew I did, then put me on hold because the p/w reset didn't work & then just disconnected the call to the survey after I was on hold for XXXX mins. 

I'm LIVID. 

I needed this report back in XXXX, we are now in XXXX. 

I give up on dealing with their incompetent staff & terrible online site that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN CONTINUES TO NOT GIVE ME ANY PROPER METHOD OF VERIFICATION ACCORDING TO SECTION 611 AFTER PERFORMING A RREINVESTIGATION THIS WILL BE USED AS PROOF OF WILLFUL NON-COMPLAINCE AND INCASE OF PROOCEEDING TO LITIGATION. 

ATTACHED>>>>LETTER FROM XXXX XXXX  STATING THEY DO NOT BY LAW HAVE A COPY OF ORIGINAL CONTRACT WITH MY SIGNATURE MAKING ME OWNER OF THIS FRAUDULENT DEBT OR ACCOUNT>>>>ALSO ATTACHED POLICE REPORT AND FTC IDENTITY THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
After purchasing a vanilla gift card on XXXX XXXX XXXX XXXX XXXX XXXX  for {$200.00} at XXXX upon open the sealed package I discovered that the numbers on the card were deliberately scratched off making the card useless. I went back to XXXX and showed the XXXX the defective card I just bought, he tried to run the card through a card machine and that didn't work either. He then tells me there is nothing else he can do and can't refund me or replace the card. They sold me a defective card and now they don't want to give my money back. I called the number on the back but they asked me for my birth date and a copy of my XXXX amongst other info, I was not comfortable with that, so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I noticed that the following is against my credit XXXX XXXX XXXX XXXX Open account ( XX/XX/2019 ) I have an account with the company however the account that I am responsible for is in good standing, I have disputed this account above at least twice because I have absolutely no knowledge of this account and did not open such account, at one time I did have a problem with someone who used my identity and was able to get in my bank account and used money out of my account a few times, fortunately the bank caught this and froze my debit card for me and it was resolved quickly. I don't know if maybe the same person might have used my information however I do know that I did not, I don't know what eles to do about this being against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over 7 years old. I did not receive any response, so I submitted online request with TRANSUNION to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 9 items that need to be removed from my credit report. Thank you

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 2023-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  does not have permissible purpose to run this credit report pursuant to 15 U.S.C 1081b. 

From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX CEASE and DESIST ORDER I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028A. Pursuant to 38 U.S.C 5727 ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( 8 ) ( 9 ), XXXX XXXX is aware during the 2019 data breach ( announced XX/XX/2019 ) which contained my nonpublic personal information. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX fails to comply with this CEASE and DESIST ORDER pursuant to 18 U.S.C 894 ( a ) ( 1 ) ( 2 ), XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX XXXX, and XXXX  XXXX shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX  XXXX shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a cease and desist order or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute. I will be assessing a fine of {$1000.00} after ( 7 ) days of receipt until removal of this inquiry from my Equifax Consumer Report pursuant to 15 U.S.C 1681n. I will be forwarding this to the Attorney General, XXXX XXXX as well. With XXXX, XXXX XXXX XXXX, Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: AL

Complaint narrative:
Do to my understanding someone use my personal information to uptain credit an use to be placed reported false information to uptain credit an fraudulent activity happened with these companies saling my personal information with out my permission with proved correctly information provided by government law illegally reported by government law I was issued one government name not muitplal I requested everything be removed do to identity theft freeze should be placed on my credit report until I fix this illegally activities full disclosure investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

XXXX states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

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 2023-01-12 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: Medical Business Bureau
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and MEDICAL BUSINESS BUREA.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX XXXX XXXX XXXX XXXX  and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for MEDICAL BUSINESS BUREA they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over XXXX XXXX XXXX. I did not receive any response, so I submitted online request with EXPERIAN to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 4 items that need to be removed from my credit report. Thank you

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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/23 someone named XXXX XXXX with an account ending in XXXX tried to became a member-to-member on my navy federal credit Union account XXXX There was a very legit looking text with a link to a legit looking website. I filled out my name, address, DOB, social security number, and mothers maiden name. I realized my mistake and have changed all my information and become a member of life lock. They tried to withdraw {$4500.00} and {$2500.00} from my accounts from my understanding but got blocked by security questions. So I do appreciate that NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a Bluebird Debit card issued by XXXX XXXX XXXX XXXX American Express which was opened in early XXXX. The card is funded via transfers to/from my Checking account at XXXX XXXX XXXX  . All of the sudden the link to my checking account stopped working. I have been trying unsuccessfully for over a week to transfer the funds back to my Checking account. I have called the Helpline many times ( XXXX ), but have been getting the run around. First I was told to unlink my Checking account & relink it. Then I was told I can't unlink it, they need to do it. When it appears linked, and asks to verify the Trial Deposits sent to my Checking account. But when I enter the amounts, the system tells me the amounts are wrong. Then I'm told I need to ignore any Trial Deposits less than a dollar, but all the Trial Deposits are less than a dollar. Each time they re-link the account I'm told I need to wait up to 5 days. I've spoken to several representatives, including a supervisor, and each one gives me different answers. Meanwhile, I can't get my money. At this point I just want to close the account and get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This was my second time contacting XXXX XXXX credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact XXXX and provided all of his information, I already told XXXX XXXX that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized inquiries on my credit report, typed a letter and mailed first class to Transunion letter was delivered on XX/XX/XXXX. Called on XX/XX/XXXX at XXXX pm and was informed that my letter was destroyed due to Transunion classifying the letter as something that was sent by another entity outside of myself which is 1000 percent inaccurate. These inquiries need to be removed expeditiously. Im aware that these data furnishing companies make it hard to dispute inaccuracies but to vehemently disregard my correspondence is absurd to me. Customer service was terrible as I was speaking to someone from another country, requested to speak with someone stateside and was hung up on and then I had to call back and start the process again. Finally spoke to someone stateside who's not helpful at all as well. Transunion blames it on the lender, the lender blames it on the bureaus so its back and forth to no avail. This is awful bc we as the consumer is the ones suffering. The inquiries are as follows. 

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 XXXXXXXX XX/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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from 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 explanation
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX  XXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts 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