vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: AZ

Complaint narrative:
I have had excellent credit for years and have never missed a credit card payment, and have always paid off my credit card balance in full, every month, on all my credit cards for 20+ years. Last month I stayed at a hotel and booked a villa on my credit card and had a $ XXXX balance when my statement was issued on XX/XX/XXXX ( the previous month my statement balance was less than {$1.00} ). Because of this balance on my credit card, Experian dropped my credit score from XXXX to XXXX. Before this massive drop it had never been below XXXX. Please note also that my credit card balance from XX/XX/XXXX is already paid off. 

I submitted an apartment application in XXXX as well, and my application was not accepted. One of the contributing factors was, obviously, my credit score. I consider Experian 's practices to be discriminatory if not fraudulent, since they clearly use arbitrary rules that do not accurately reflect the true creditworthiness of an individual. Along with the other two credit bureaus, they hold a monopoly on credit scores that should not be allowed to continue. 

I have not yet received updates from the other credit bureaus, so I don't know if they also adversely impacted my credit score.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
XXXX is the previous complaint. There has been no resolution to me trying to leave forbearance making monthly payments and still having bills that say nothing is due and not showing any payment. Also, they are trying to increase my payment amount, even as interest levels are falling way below what I am financed at with no offer or possibility offered when I ask for help. Last time I called I was told that I wasn't even supposed to be making payments, which like always was a different story, so I stopped and I am looking at the bills right now that say XXXX due and that my loan is in forbearance. However, now I am getting late notices with fees attached. How can I possibly be charged a late fee when I am still showing that I am in forbearance with no XXXX due and the company is unable to update my account even though I have given them more than {$8000.00} in the last few months. This has been the most stressful experience of my life and Citizens One has been entirely unhelpful. There is no standardization of responses and every time I call I get a different response, so certainly some of the responses I have been given are false if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX  at my employer, paid cash for one office visit to a XXXX XXXX  and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had XXXX XXXX and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX. Mailing is denied. 
CAPITAL ONE XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX *3 mailings-denied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: LEXISNEXIS
State: CA

Complaint narrative:
Hello. I submitted an item to be disputed with LexisNexis by certified letter on XX/XX/2021. The letter was delivered to LexisNexis and signed for on XX/XX/2021 at XXXX. 
After 60 days, I have not received any reply from LexisNexis regarding my dispute! 
So since they are now in violation of federal law, I am sending the attached information back to LexisNexis demanding they now delete this item from their records! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: AL

Complaint narrative:
Knowing Violation may commence a civil action per 15 U.S.C 1682s ( 2 ) ( A ) I am filing a complaint against you. You are willingly violating Federal Laws by reporting my personal information after I had told them not to. OnXX/XX/XXXX I've filed a complaint about the Laws they violated, and you choose to ignore them and continue to furnish information that is to be excluded. Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Pursuant to 15 U.S.C 1681c ( a ) ( 5 ) Any other adverse item of information is to be excluded from my report which is another FEDERAL violation they have committed. These are knowing violations that will commence a civil action pursuant to 15 U.S.C 1681s ( 2 ) ( A ). I demand as a Consumer/Natural person for you to remove XXXX XXXX XXXX from my credit report! Don't tell me you will contact the data furnisher, the fact is you are in violation of the Federal Law stated above. What they say is irrelevant. Your response will be used as an exhibit if this issue doesn't get resolved. We are tired of suffering because of your unwillingness to comply and don't tell me I'm not the one filing the complaint I am tired of your excuses.

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 2021-08-24 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: FL

Complaint narrative:
I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, Experian & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX at my employer, paid cash for one office visit to a XXXX XXXX and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had Direct Deposit and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX Mailing is denied. 
XXXX XXXX XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX3 mailings-denied. 
ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
1. I charged {$500.00} using my CitiBank Mastercard to my XXXX account on XX/XX/XXXX 2. I called the fraud division of CitiBank on XX/XX/XXXX to stop payment, as I did not recognize the transaction due to the poor description on the Citi statement ( description reads : XXXX XXXX XXXX XXXX there is no reference to XXXX name ) 3. Citi credited my account with {$500.00}, at this point I was no longer responsible for the payment for {$500.00}, and CitiBank commenced process of retrieving back the funds from the Merchant ( XXXX ) 4. XXXX deducted funds from my XXXX account on XX/XX/XXXX 5. I called CitiBank acknowledging the transaction and informing the bank that the transaction as legitimate on XX/XX/XXXX 6. Citi charged me {$500.00} on XXXX billing, statement attached for your review. 

7. CitiBank sent funds of {$500.00} to XXXX on XX/XX/XXXX. Transaction identifier has been provided to me. 

8. XXXX  claims that founds sent in XXXX, never was received by them and they never credited my account. 

9. XXXX claims they are unable to locate the funds. XXXX claims that money was returned to Citi as part of the chargeback process initiated with fraud report. I agree with this part of their statement. They however do not recognize the part that money has been send AGAIN to them on XXXX XXXX and refuse to credit my account. Citi Bank was notified about the issue, but it is not contacting the merchant nor crediting my account. I spoke several times with Citi reps and they state that since I took responsibility for the transaction, they will not investigate it as a fraud. The fact that money sent back didn't make to the merchant, is of no concern. They stated that they never tried to contact XXXX and resolve the dispute. Citi never investigated what happened with the money, they only state that it left the bank. I request to be refunded, Citi did not deliver the funds to the intended recipients, they never even tried to state that they fully investigated what happened to my money.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX Data Breach Victim.

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 2021-08-24 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: FL

Complaint narrative:
I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Collection Corporation
State: IL

Complaint narrative:
I have sent a validation letter to the debt collector on XX/XX/2021. They received the letter onXX/XX/2021.The debt collector responded with send me a bill. Which did not verify my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account Ending : XXXX I have received a promotion from Citi Bank to open a checking account and earn additional 25 % cash back on my Citi XXXX XXXX credit card. So I opened an account per the terms and received an email as well from citi, that I had successfully enrolled in the promotion and I will be earning 25 % more cash back until XX/XX/XXXX. In fact they sent an email on XX/XX/XXXX, confirming that I am earning 25 % more cash back. 

But after the promotion period is over on XX/XX/XXXX, Citi should have awarded me the additional XXXX $ for the spend during the promo period. But Citi failed to provide me with appropriate cash back per the terms and failed to resolve my issues on time. 

I had submitted a case and got a reference # XXXX. But it is sitting there with no updates for more than 10 weeks. 

So help me in getting the cash back per the terms and I am attaching the required supporting documents.

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 monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i am not able to see my accounts in Equifax from XXXX  XXXX. 
it is showing in my phone that it hasn't been updated since XXXX of 2018. 
i had to call them and open up about 8 dispute to fix everything including my name S.S and date of birth, after I did all that there still an issue and i am not able to see my accounts and I am not able to apply for home loan because all the banks telling me there is an issue with Equifax. when i call Equifax they say everything is okay on their end. but when i receive a letter from Equifax my name is still wrong on it. i have been trying to buy a single family house for me and my family but i am not able to because if Equifax. I've sent them my S.S card picture my D.L picture and any other documents that they asked for. the problem is still not fixed. I've ran my credit about 3 times because they told me it was fixed when it wasn't. my score went down from XXXX to about XXXX because of it. 
please help. 

attached is what i sent to them. and what i got back from them. i am also attaching what i got when bank ran my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I am a consumer pursuant to Federal Law 15 USC 1692a ( 3 ).

FH Cann & Associates is a debt collector pursuant to 15 USC 1692a ( 6 ). 

FH Cann & Associates has used unfair practices in an attempt to collect a debt pursuant to 15 USC 1692f. 

FH Cann & Associates has furnished information without my consent to other third parties regarding alleged debts related to an account associated with my name. 

FH Cann & Associates must first receive written directions from me in accordance with 15 USC 1681b ( 2 ) in order to furnish information to any other person besides me, the consumer. 

Any person or organization that acquires information regarding a consumer without the prior consent of the consumer has committed the act of identity theft pursuant to 15 USC 1681 ( q ) ( 3 )

Company response to consumer: Closed with explanation