vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and TransUnion, as well as, XXXX  is also reporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CapitalOne hasn't provided me documentation for these disputed transactions. 
capital one reversed these charges and charged back to account upon the request of investigation documents and this has NOT been provided upon multiple requests. 


XX/XX/21 XXXX XXXX {$30.00} XX/XX/21 XXXX XXXXXXXX {$21.00} XX/XX/21 XXXX XXXX {$27.00} XX/XX/21 XXXX XXXX {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I noticed that a collection appeared on my credit files on all three major Credit cards Bureaus that do not belong to me, I have no knowledge of if this company that's trying to collect a debt from me. I need them removed my credit profiles ASAP.

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 2021-12-21 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX with Capital One - there has been no update, and the merchant ( XXXX ) continues to charge my account despite my dispute. I had to call back and request that they block the merchant - something they should've done when I filed the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/21 I was locked out of my bank account without explanation and the company demanded I send identity documents via email which is not a secure method to unlock my account and allow me to regain access to my funds. I contacted CHIME twice before sending this information over out of desperation, and despite verifying my identity over the phone I was told that nothing can be done to help me and I wouldn't be able to access my funds until I sent the information requested via email. 

It's 4 days before the holidays and this is unacceptable to lock my account and prevent access to roughly $ XXXX in funds. I have a family and without access to my hard-earned money, I have no way of providing for them. 

I have emailed chime numerous times and sent over the requested documentation and I still do not have access to my funds. 

I would like to close this account and get access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is 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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I HAVE A COLLECTION ACCOUNT APPEARING ON MY CREDIT REPORT THAT I DON'T KNOW HOW IT ENDED UP ON MY CREDIT FILE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX 2021 I applied for a Home Equity Loan at TD Bank in XXXX XXXX with loan officer XXXX. I was approved within days. All paper work was filed, appraisal was completed on my CO-OP, Questioner was sent from my Property Managers office ( I also paid for it out of my own pocket 150. ) Was waiting on a closing date after about three months and then was told second under writer said they don't offer Home Equity Loans on CO-Ops. I was advised not to pay my personal loan during the process cause I would be getting the funds from the Home Equity Loan. So I am now behind on that loan. 
I was told they escalated the situation to the higher names but I still havent heard a response nor its been two weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Associates
State: NC

Complaint narrative:
Piedmont Credit & Collection Svs. Has reported to credit bureaus that I owe a medical bill to XXXX XXXX XXXX XXXX. I contacted the hospital and they informed me that they do not have any records of a balance due. I contacted the collection agency and ask them to provide documentation to verify the debt. They sent a copy of a signature that is not mine. Also they have changed the amount owed several times. This is inaccurate and doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I obtained the XXXX card because they allowed your rewards to be used to buy Crypto, then they said I needed to enable the feature on the app and submit documents to verify my ID- I did that - they asked that I wait 2-3 business days. I waited 5, XXXX  then escalated the issue and asked that I wait 10 business days - I did that. Now they say that they don't know why the feature is not working and there is nothing they can do about it. Now, I asked them to close the account and they are giving me the run around saying I need to contact a third-party bank?! 

I want the account closed and I intend to sue in small claims.

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 2021-12-21 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: LA

Complaint narrative:
i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

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 2021-12-21 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: LA

Complaint narrative:
i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: LA

Complaint narrative:
i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX  XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Lexis Nexis regarding unverified information and demanded that it be removed in 4 days based on 15 U.S.C. Sec. 1681i ( a ). They have not removed the fraudulent information which is causing me major headaches. I can't get a mortgage to provide a solid home for my family due to the bad information Lexis Nexis is providing to multiple vendors. Several addresses are tied to multiple issues that were not mine yet Lexis Nexis refuses to abide by the law. Plus did not have permissible purpose to furnish this information on my consumer report. 

Each of these addresses are not my addresses and should be removed immediately : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX I've attached the letter that list specific records that should be removed in 4 days according to the law which Lexis Nexis has clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I initiated a wire transfer from my CitiBank checking account to my account at XXXX XXXX on Friday XXXX. It was blocked by the Citi Fraud Department ostensibly due to its size and their concerns about validity. 

I went through a lengthy verification process on Friday and Saturday and was told on Saturday that the wire would go through. 

Sunday I received an email advising me that the wire was cancelled. I went through another lengthy verification process and was told to re-submit the wire Monday. I did so. 

Monday afternoon I was advised the wire was on hold. I went through a 1-hour + verification process and was told " the wire will go through on schedule ''. 

Today ( Tuesday XX/XX/21 ) I received another email advising me that the transfer was on hold. I called and spoke to one agent who ultimately could not help me. Further injuries were blocked because Citi has a limit of 5 text-message-confirmation-codes in 5 days ( which had been used due to all the calls I made ). I can not now talk to anyone in Citi, nor can I log on to my account ( it has been completely blocked ). 

I previously had trouble obtaining a promised {$700.00} bonus for depositing {$50000.00} and leaving it for a specific time ( which I did and more ) ; we were lied to and given conflicting information for a week or so until Citi finally provided me with the bonus. 

Now when we need the money for a home purchase- we are in escrow - Citi is refusing to allow us to transfer the money but gives no reasons why. 

We believe this is a deliberate delaying tactic - as we experienced with the bonus - and need help in having Citi release the funds.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: SD

Complaint narrative:
On XX/XX/21 I purchased and exam using my debit card. Well that exam was canceled and merchant stated they sent refund. Well refund never posted. On XX/XX/21 I filed a dispute with the bank. I sent them the email from merchant regarding refund. I was told by bank that it can take 10-45 days for dispute claims. Well ten business days has passed and still no credit to my account. I have sent several emails to the disputes department regarding claim with no response. I have also communicated with customer service who stated they will send follow up email to disputes department for an update and still nothing. I spoke with 12 people to try and get this resolved. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: PA

Complaint narrative:
i tried reaching out to this bureau several times about accounts that do not belong to me. this information is fraud and i want it investigated and removed from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I called the company on XX/XX/2021. I told them that the account was not mine and that I was incarcerated for over 20 years. They told me to file a report and dispute it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: VA

Complaint narrative:
Credit report shows a collection with a " XXXX XXXX  '' ( a collections company? ) allegedly related to an account with " XXXX XXXX ''. If that was a " store account '', then it is bogus as we have only opened one store accounts in the last 10-20 years ( XXXX, an account used once then closed in good standing, about 2016 ). When I disputed this entry on the report, Experian almost immediately declared it " Verified ''. I have no idea what procedure they used to verify, maybe just asked the alleged creditor? 

It is bogus and I want it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are numerous inquiries on my consumer report as a result of identity theft. According to the fair credit reporting act these inquiries must be blocked and removed immediately! These inquiries are as follow : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief