vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
XXXX XXXX  XXXX is reporting debt on my credit report i have sent numerous debt validation letters their attorney once responded with a contract with a signature and everything else on the contract is incorrect such as the date the debt occurred the amount of debt the type of debt absolutely nothing matches they say its a credit card debt but sends me documentation for a secured loan i have attached supporting documents from what was sent previously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: KY

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by 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 non-monetary relief
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion violated several of my federally protected consumer rights. 
Violation of 15 USC 1681b by furnishing my consumer report to XXXX XXXX XXXX XXXX, without permissible purpose. 
Violation of 15 USC 6802 by disclosing nonpublic personal information to the above companies. 
Violation of 15 USC 1681e ( b ) for not ensuring maximum possible accuracy of information. 
TransUnion did admit to these violations indirectly by deleting the above companies inquiries when I disputed them on XX/XX/2022. 
TransUnion committed identity theft, pursuant to the FCRA, subchapter F states ; the term " identity theft '' means a fraud committed or attempted using the identifying information of another person without authority. 
Violation of 15 USC 1681a ( m ) by including in my consumer report transactions that were not initiated by me, the consumer.

Violation of 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) by not providing me, the consumer, the required information that was used in the reinvestigation for verification and the accuracy and completeness to the following account ; XXXX XXXX XXXX. I mailed a certified letter requesting this information on XX/XX/2022. Another certified letter which they received on XX/XX/2022 requesting the same information as well as stating their violation of 15USC1681i ( 6 ) ( B ) ( iii ) & 1681 ( 7 ). This account is still fraudulently reporting on my consumer 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 2023-01-04 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am experiencing problem with Barclays JetBlue credit card 1. They charged me card fee after telling me they are refunding the fee and now there's interest and late fee 2. All my XXXX XXXX points were gone after closing the card

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 2023-01-04 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.

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 2023-01-04 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: KY

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by 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 explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I walked into Citizens bank and deposited my income tax check XXXX XXXX Citizens bank pretty much held my income tax check till XX/XX/2023 saying my income tax check wont clear. I spoke to the treasury they informed me the check was cleared XXXX of XXXX. Citizens bank then told me they were waiting for irs to send check back. i spoke to irs they informed me check has been cleared its no reason Citizens bank should hold my deposit that long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
PT. XXXX XXXX XXXX ( XXXX XXXX ) always buy device and payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX ) and they have bank account at XXXX XXXX XXXX XXXX. 

With issue audit and cash flow, hecker sent notice letter by email to PT. XXXX XXXX XXXX via email XXXX to arrange payment to new account bank XXXX XXXX XXXX Chase Bank XXXX XXXX 

PT. XXXX XXXX have transfer to Chase Bank Texas - XXXX with detail : XXXX XX/XX/2022 - EURO. XXXX XXXX XX/XX/2022 - EURO. XXXX At XXXX XX/XX/2022, the hecker info that they not receive the payment with amount EURO. XXXX. After we cross XXXX  again with XXXX XXXX XXXX XXXX XXXX info never have Account in Chase Bank XXXX XXXX and after that we realize have been fraud by hecker. 

We already report to our bank in XXXX to cancell the transfer, but until now there is no feedback from Chase Bank, the fund never refund or back to account PT. XXXX XXXX. 
Please help for investigation and catch the fraud and refund our money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: KY

Complaint narrative:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I canceled an XXXX account in XXXX of XXXX. I never received notice via email or text of a final bill ( I canceled midcycle and switched providers, so I was expecting a credit or a small prorated balance ). Didn't receive anything in the mail either. 

On XX/XX/XXXX, I received a first notice from XXXX of my credit monitoring services that an account has been placed in Collections. Hoping to settle and move on quickly, I called CCS asking for the balance, disputed it with them as it seem incorrect, and called XXXX, the original creditor, who gave me a breakdown of charges, and paid immediately. They agreed to revoke the collection status. 

On XX/XX/XXXX I disputed it with XXXX, and the account was updated a couple of days later to " CLOSED, PAID IN FULL, '' with a date of XXXX, which again is not accurate, because, I have well over XXXX active accounts, all paid on time, this was a debt I was never notified of. On XX/XX/XXXX, the same thing happened with XXXX, The case with XXXX is still pending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/2022, I filed out a credit card application offer sent to me by Navy Federal after prequalifying, speaking to representative, unfreezing my credit report, reading terms and conditions of the program before submitting the application. Nevertheless, I was denied the offer, which is understood did not guarantee approval. The problem is the direct reason of the denial of the credit card application!

The denial is in violation of the FCRA LAW. Also Violation of the credit card disclosure program which does not specify in filling out the credit card application you have to qualify for a XXXX credit limit! 
That was the reason verbatim, my credit card application was denied!

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my equifax has had my information wrong and since the leak of my personal data, I've be disputing my address as well as my employer and it's extremely important that is is address asap and this is a last line of defense. It's not easy to disputing address and employer with equifax. 
My So be XXXX XXXX XXXX, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX. 
My Employer only XXXX XXXX XXXX and nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I only owe {$540.00} the company is claiming I owe over {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
This is not a duplicate complaint, this complaint due to the new evidence. I represent myself by myself. I'm victim of identity theft and my personal information was compromised. As a result I got hard inquires on my report that I have never authorized. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have come to you, the credit reporting agencies to resolve these issues. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these unauthorized hard inquiries from my 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 2023-01-04 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04 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: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP
State: OH

Complaint narrative:
This is response to complaint XXXX They still have not provided me with proper documentation showing they own or legally allowed to collect on this alleged debt First off, this was my first complaint against SRA as they are attempting to say that since I filed complaints against XXXX that those are complaints I filed against them. This leads me to my actual complaint. 

Who is collecting this alleged debt? According to the call I received the lady said " we are working with XXXX '' So who owns the alleged debt? 

I have requested twice now, once when SRA called ( and if they are actually XXXX they know they should not be calling me which is a violation ) if they are not XXXX why are they refusing to show me an agreement that says they are allowed to collect on this debt? How do I know if I paid this alleged debt to SRA that it is not just a scam?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Delaware bank is still showing on my credit report and it has been over seven years it should be removed by now.

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 2023-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband XXXX  on XX/XX/2022. When my husband XXXX XXXX we were current with our bill. With XXXX XXXX i have had a hard time to make payments however, I have paid the regions bill out and i need to be able to rent a home in the state of Florida however, with this on my credit it is very hard to get placement. Please reach out to regions bank and request this be removed from my credit bureaus.

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 2023-01-04 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: CITIBANK, N.A.
State: OK

Complaint narrative:
In XXXX I closed a Best Buy Citibank account that was inactive for years. 

In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. 

The email and address used for the new card are not my email, and it is an address I had not lived at for months. 

After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. 

XXXX  times I have requested another investigation, and they have opened/closed with the same results.

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 2023-01-04 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: PA

Complaint narrative:
Equifax XXXX XXXX XXXX assisted in my name and credit report being used fraudulently by violating the following FCRA code. 

FAIR CREDIT REPORTING ACT SECTION 604 U.S Code 1681b- ( b ) ( 2 ) ( ii ) The consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

SEE ATTATCHED

Company response to consumer: Closed with explanation