vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at TransUnion stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
On XX/XX/2022 I went to an XXXX XXXX in XXXX to finance and audio system for my truck. Their financing partner is Brandsource by Citibank. The system was {$4100.00}. Immediately after getting my truck back I texted XXXX XXXX to state I wanted to return the system as the head unit they recommended was malfunctioning and had mutlipe issues. The store refused to allow me to return the merchandise and only offered to look at it in the shop. To this day the unit continuously malfunctions. Some things I've experienced are : audio muffled, audio blasting, absolutely no audio coming out, phone constantly dropping from wireless connectivity, screen freezing, and others. In order to fix whatever is happening I have to pull over, stop the engine, and then restart the engine. This has resulted in many situations where I'm on the highway and I just don't get to use the device I paid a lot for because I don't have time to pull over. It's a very disappointing situation being stuck with defective merchandise in my truck that I drive much more frequently than the average person, especially at the high ticket price I've had to continue to pay. I disputed charges with Brandsource and they denied my claim.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2022 I noticed an unauthorized check draft posted on my checking account for $ XXXX immediately filed a complaint with Citibank but they never seems to care to go through with the investigation I tried to inquire every 2 weeks to see how the case is going but always end up on a dead-end. Now after 5 months they're telling me that the case was denied please help me.

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 2023-02-28 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:
This morning I logged into my XXXX XXXX account. I noticed there were 2 hard inquiries on Equifax but not on XXXX. I did not recognize the inquiries and tried to find a way to dispute it but it was difficult to navigate. I did a XXXX research and found that I should contact the inquirer as well. After looking up the inquirer information I noticed that while they were physical entities, the address of the inquirers had been changed by just a number and the other address to be a phony XXXX XXXX XXXX I am concerned this may be an identity theft related event and that my personal information may be at risk. I am concerned someone is or has taken credit in my name and would like guidance on how to know or not. These are clearly fraudulent inquiries, XXXX XXXX as well as XXXX and equifax should diligently review these before applying them to reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2022, I received an email form XXXX indicating an " XXXX charges will levied on your order '' ( Exhibit A ). Since I didn't have a XXXX account nor place an order contacted the assistance number an individual name XXXX XXXX. XXXX indicated he was unable to stop the levied but could make a deposit to offset the levied amount. Once my account was open, he took control of my computer and the account. Instead of depositing XXXX it was XXXX. My account already had XXXX in saving, however, an additional XXXX showing in the checking ( XXXX ). in order to correct the error XXXX must be wired back to his account with Chase Bank. After the wired was sent to Chase ( Exhibit B ). After reviewing my account the funds were actual transfer from my saving to checking. Contact bank with an hour to stop the wire. I was on the line holding for approximately 2 hours. Informed the bank what transpired. A hold was put on the account and I was asked about receiving a red flag on the wire before it was transfer. On XX/XX/XXXX my bank was unable to stop the wire. After an internal investigation by my bank an account was set up for Chase to make a deposit. According my bank 3 request for has been made, no response by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: OK

Complaint narrative:
Equifax is reporting an account that has been settled. I did not give consent to Equifax to furnish this account on my credit report at all. I sent letters to Equifax about account XXXX and that it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act ACIMA Digital FKA SIMP account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 XXXXXX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 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 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2023-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: IL

Complaint narrative:
I received a collection call from XXXX XXXX XXXX on XX/XX/23. Not being familiar with the debt they were referring to, I asked them to send the information in writing. They did. When I received it, I saw it was an unfamiliar retail credit card. I checked my credit report to ensure it wasn't something I forgot about or could be a tip off to potential identify theft. Nothing was listed on my credit report that could tie back to the debt they are trying to collect. On XX/XX/23 a gentleman named XXXX XXXX  called me to attempt to collect this debt again ( stating again my wages would soon be garnished for the debt ). When I told him it was never mine, verified on my credit report, and seemed to be an attempt at skip tracing, he said my file was no longer in their system and I should stop calling them, and hung up. Assuming it was an overwhelmed employee, I called the number at the top of the form they sent me, which was disconnected. I called the number on the company web site and it rang back to XXXX XXXX. I asked if I needed to submit a written dispute to close the file and he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
I had XXXX in XX/XX/2022, that caused me to fall behind on my mortgage however I have been trying to get current since then. I want to stay in my home. I just need assistance to get everything current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. I have tried to contact them via email and via telephone to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account

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 2023-02-28 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:
I filed a dispute with Experian ( Report # XXXX ) because they have allowed XXXX separate collection agencies to file negative entries for the same debt with XXXX XXXX XXXX XXXX I'm not disputing the debt, I'm disputing Experian continually allowing multiple collection agencies to post the same debt. XXXX XXXX  did so on XXXX XXXX XXXX then they sold this debt to XXXX in XXXX of XXXX  who dinged my account. Now XXXX has sold this same debt to XXXX who dinged my account in XXXX XXXX 

I filed a dispute with Experian but they did not investigate my issue with them, rather they just confirmed that XXXX posted the negative comment. I called Experian and spoke with XXXX, Dispute XXXX ( wouldn't provide a last name or employee number ) who told me Experian does not entertain any complaints or dispute against themselves. XXXX said this would take 7 years to clear but the 7 years will never happen if every six months it starts over again with a new collection agency There is no Complaint Dept., no manager, etc., I could speak with. Pretty much said Experian could do no wrong and has no responsibility to the consumer for anything they do or don't do. I don't believe it is right for Experian to keep allowing this. If this debt is sold 10 times, I will be dinged 10 more times for the same debt. This can't be right- please help.

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 2023-02-28 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: OH

Complaint narrative:
XXXX XXXX {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, XXXX 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.

Chapters View

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 2023-02-28 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: OH

Complaint narrative:
XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX$690.00}, XXXX XXXX XXXX XXXX XXXX  {$330.00}, XXXX 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. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Applied and provided three offers based on information I submitted and what they got from my credit report. Was told all they needed was to validate the income I proved them of my net XXXX a month income. I uploaded all documents and they reviewed them. They had an issue according to one of their reps in calculating my income since they were not giving me all of what was on the paystub. They had the wrong start date in there. Asked to speak to supervisor but non available and never called me back. Had another branch review the case they seen where they issue was and corrected that but then said that I was not approved for the original amounts or offers but less even though my income was corrected. They tried to switch up the offer and give me a worse term and amount. They could not tell me why other than someone messed up and quoted me the offer and they should not have. There is no transparency and they lie about what they can offer you then switch it at the last minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XX/XX/XXXX My credit card account with XXXX XXXX  wrongly marked 30 days late on my credit report. My minimum payment was paid and they confirmed via phone conversation and told me to dispute with credit bureaus and were to remove the late marking. Since than the card company has been transferred to XXXX different banks and is now with XXXX - GENESIS RETAIL who refuses to correct the marking. I have had my account and always pay on time since XXXX. This is the only negative item on my credit profile and I have been trying to remove for years. Genesis has not upheld the agreement the original creditor promised to correct.

Company response to consumer: Closed with explanation