vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
All three of the consumer reporting agencies XXXX, XXXX, and Equifax has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXXXXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NJ

Complaint narrative:
All three of the consumer reporting agencies XXXX, Experian, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.

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 2022-01-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify 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 2022-01-07 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'm reaching out because I have reached out to Experian multiple times stating that the account attached ion the FTC report sent and they have done thing.

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 2022-01-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 7 years.

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC apparently bought my free checking account from my previous bank around XX/XX/2021 ( I've never wanted a PNC checking account ). PNC has been charging me account maintenance fees so I want to close my PNC account. On XXXX I visited their branch in person in XXXX CA, and a PNC banker looked at my account and said I couldn't close it in person and needed to call them. On XXXX I called and asked them to close the account. They said I couldn't close it over the phone because I owed them a {$4.00} account maintenance fee which I can only pay by visiting a branch in person ( because I don't have a debit card ). I'm tired of being sent back and forth between in person and phone, and want them to close the account and forgive the account maintenance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 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: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
I received XXXX calls from INDIGO/GENESIS FS CARD to my phone about a late payment in the beginning of XXXX. i told the rep i was never reimbursed for the XXXX credit hold from my budget rental. I was told that i would need to make the minimum payment to the account to dispute the charges. i told her i would think about it but did not understand how i was being chase down and charged for money I didn't owe. i made the minimum payment and checked my account on line. upon doing so i noticed lyft charges and no record of the hold or the money being put back on my account. i only saw that the math on the balance was wrong. On XX/XX/XXXX i called in about the hold and to dispute charges. I also had questions on the " credit hold '' that i never saw on my statement nor seen it given back to me. once i gave up on the hold i told the rep about the lyft charges that were not mine and was told that day a dispute would be done. i called 2 weeks later after still not understanding the hold and to get an update on the dispute since i was hit with interest charges on the very ones i was disputing. and was told my dispute was still ongoing. i asked about the false reporting of my credit and was told that the interest charged would be reversed, and they would take care of any negitive impact this has caused on my report once it was done. 

last week I called to check on the dispute and the the interest charges and was told no such dispute existed. after 2 days and finally speaking to someone who said they were in management i was told that i in fact never disputed. I called the next day to ask that my recorded phone calls be looked at and this Wednesday, XX/XX/XXXX, I was called to tell me in fact i did make the dispute and that they are looking into it. But, in the meantime did they want me to start the dispute now. i told them do not start the dispute now and they were give the allot time and communication to do their investigation and I wanted the charged removed right away. i was told this could be done even though I explained they were out of compliance with the federal law. 

I have paid all the charges on this Credit card except for the XXXX of fraudulent charges. I believe I'm within my rights for Genesis FS to refund my card that amount without having to go through another 60 day investigation. the amount of time it takes me to get on the phone with someone, not outsourced, is outrageousness and how they have handled my account is non professional, including the fact i was told they dont show " holds '' on cards they just take it from the balance. any and all transactions should be reported to the statements for transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
- Reached XXXX credit limit of {$14000.00} on XX/XX/2022 - Made one time payment of {$9700.00} to make credit available on the account. This was done 12 days before my autopay for that amount was scheduled. 
- {$9700.00} amount was drawn from my bank account on XX/XX/2022. 
-I tried to make a purchase with this XXXX on XX/XX/2022 but it was denied. 
-I called customer service on XX/XX/2022 immediately after attempting the purchase. I was told that I had available credit but the payment of {$9700.00} made on XX/XX/2022 was frozen for 10 days. They said they could do nothing to reverse the freeze and could provide no specific reason for it. 
- I called my bank. They confirmed the payment to Citi and said they have no way to retrieve it. 
- So now Citi has close to $ 10K of my money while withholding credit access for 10 days which seems like fraud to me. 
- This is causing disruption in my life as all of my monthly payments for utilities, subscriptions, and donations are on direct payment schedules using this card resulting in hours of changing payment methods for all these creditors so my payments don't bounce.

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX  XXXX {$8300.00} XXXX  XXXX {$84.00} XXXX  XXXX {$160.00} XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.

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 2022-01-07 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:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't 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 2022-01-07 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: LD Holdings Group, LLC
State: IL

Complaint narrative:
i just talked ro lady from XXXX who said i need to get somebody from loan depot to take rhis off credit report and their to busy trying to sell me a loan i have no interest in to get to any one to take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00}

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 2022-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
Beneficial/HFC never released from the title of my home the lien that was discharged in Bankruptcy on XX/XX/11 for years we have been trying to refinance our home and still can not do anything as we have no way of contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover card fraud claim on account ending XXXX was denied they are refusing to give to me in writing exactly why claim was denied and are refusing to supply me with signature receipts for the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I googled how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't 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 non-monetary relief