vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am the victim of identity theft and I have disputed the XXXX XXXXXXXX XXXX  on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX I have done everything that I needed to do to prove that that is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am the victim of identity theft and I have disputed the XXXX XXXX account on my credit report numerous times and it has yet to be removed. I filed a report on identitytheft.gov also and provided proof of me filing the report. All of the credit bureaus are refusing to remove the account from my credit reports. There was another account that was opened fraudulently around the same time, when filing my complaints I did them together at first and they did remove the XXXX XXXX that was a result of identity theft. I just am not underwing why they will not remove the XXXX XXXX XXXX I have done everything that I needed to do to prove that that is not my 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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I have reached out to PDQ Services, INC in regards to them reporting inaccurate information on my credit report. Not only is this information inaccurate but it is also in violation on HIPPA rights. I feel that this inaccurate reporting is in direct violation of my protected health information. They have reported that I have a collection from XXXX XXXX  XXXX XXXX, XXXX. This inaccurate is very embarrassing and has caused me great XXXX. My attorney friend informed me that I should reach out to you to make sure that this inaccurate and embarrassing information is removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report 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 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: SC

Complaint narrative:
US auto sales filed bankruptcy and sold my contract to a debt collector, XXXX XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX I was told they took over. I asked for them to send me a copy of my contract which they could not provide. My vehicle had already been repossessed. I havent been told where my personal belongings are either. I was given one option. That was to pay {$8000.00} in order to receive my title. I was also told that I still owed XXXX on a XXXX XXXX XXXX that was bought in XXXX. The car was {$22000.00}! .. about XXXX XXXXXXXX  monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account XXXX XXXX is old it was bought by my collection agency on my credit report XXXX  XXXX XXXX. This account is old and it keeps refreshing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/23 I realized my Chime physical debt card was missing, so I checked my checking account online and noticed that there was 7 fraudulent out of state transactions in XXXX XXXX and XXXX  ranging from XXXX XXXX totaling {$1200.00} I immediately called Chime to report this and filed a dispute through their fraud department and my debt card was cancelled and Chime told me it would take 90 days to investigate and resolve this issue. The next day I was double checking my account and notice another fraudulent transaction that I missed in the amount of {$14.00} so I called Chime back reported this, they told me this would have to be filed in a separate dispute which they did and told me I would also be contacted regarding this second dispute so on XX/XX/XXXX I received an email from Chime stating that no error had occurred and no funds will be credited to my account, however they did give me credit for the second dispute of {$14.00} which was confusing for me being that both disputes were fraudulent. I was very upset and called chime to get an explanation on how this was declined and not fraudulent, Chime provided me with a document with questions and answers to my original dispute, they suggested I provide them with any supporting documentation to help prove my case that they will open and review my case again. I then filed a report with the XXXX XXXX XXXX and submitted a copy of that report to Chime 3 days after. On XX/XX/XXXX I received email from Chime stating the same rejection letter stating that no error had occurred and that my account will not be credited any funds. I dont know what else to do. Chime has not obviously investigated this matter, I asked them how is it possible that someone out of state can charge {$850.00} on my account and I not be alerted or notified, they have no answers for me, I have never been to XXXX XXXX or XXXX  where this fraud occurred. These are dates and amount of all charges. 

XX/XX/XXXX {$18.00} {$850.00} {$31.00} XX/XX/XXXX {$47.00} {$29.00} {$1.00} XX/XX/XXXX {$230.00} {$14.00} The only charge they credited my account was for XX/XX/XXXX {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery A, says I opened a account with them XX/XX/2023 on my credit report and is reporting its still open with XXXX XXXX XXXX XXXX, I would like for this account to be deleted off my report and i have been getting numerous calls about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account XXXX XXXX is old it was bought by my collection agency on my credit report XXXX XXXX XXXX. This account is old and it keeps refreshing

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX  off of XX/XX/2021 they have that I did not pay them off and this account is too old to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Too many inconsistencies in this payment information, this payment information is reported illegally, and in accurate I made a payment, and and settlement in XX/XX/XXXX they still have it that I didnt pay and I have it marked in yellow I requested a 1099C form for them and they told me they would not give me one until I paid more. This is over seven years old and this is reported wrong they keep reporting and theyre telling me Im past due this is the charge off thats illegal. Theres no way this company shouldve reported on XX/XX/XXXX. This is illegal. They dont have my payment of XX/XX/XXXX current on this payment form but they have everything else marked. This is totally wrong and anaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I filed a dispute with Transunion because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Transunion, their site states Closed accounts stay on your report for different amounts of time depending on whether they had positive or negative history. An account that was in good standing with a history of on-time payments when you closed it will stay on your credit report for up to 10 years. This generally helps your credit score. Accounts with adverse information may stay on your credit report for up to seven years. Its almost been 9 years. This is not an account in good standing. I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX off of XX/XX/2021 they have that I did not pay them off and this account is too old to be on my credit 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Too many inconsistencies in this payment information, this payment information is reported illegally, and in accurate I made a payment, and and settlement in XX/XX/XXXX they still have it that I didnt pay and I have it marked in yellow I requested a 1099C form for them and they told me they would not give me one until I paid more. This is over seven years old and this is reported wrong they keep reporting and theyre telling me Im past due this is the charge off thats illegal. Theres no way this company shouldve reported on XX/XX/XXXX. This is illegal. They dont have my payment of XX/XX/XXXX current on this payment form but they have everything else marked. This is totally wrong and anaccurate.

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 2023-12-09 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it might concern ; I was on vacation in XXXX XXXX staying at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband and myself were looking for a taxi on XXXX XXXX  from the hotel to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ride is XXXX XXXX each way. 
I looked up XXXXXXXX XXXX, however the wait time was too long, price range was between XXXX XXXX each way. 
I was approached in the hotel lobby by XXXX XXXX named XXXX XXXX, stating that he can take us to the stadium and I can use credit/debit card. He was driving XXXX XXXX XXXX XXXX XXXX XXXX 
We used XXXX XXXX XXXXXXXX from the airport to the hotel ( further distance ) and were charged {$100.00}. 
XXXX did not disclose that he will charge us {$360.00} to the stadium, we agreed on {$100.00} each way. XXXX XXXX also agreed to pick us up from the stadium at the same price. 
XXXX did not provide us with any sort of receipt, and no amount was showing on display. No signature was provided. 
I received a fraud alarm when we tried to pay after dropping off back in the hotel, The alarm was asking to approve {$250.00} authorization. 
That authorization was approved as I assumed that was the cover for each ride. 
I received an additional charge of {$720.00} from XXXX XXXX, which was not approved either. 
My husband XXXX XXXX contacted XXXX XXXX via text message trying to resolve the issue. 
XXXX stated that he provided limo service, however, no limo car was provided nor requested. 
Please see XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Website states his prices, {$750.00} charge is for all-day service which we did not request nor receive. 
XXXX overcharged us based on false demand, which is also illegal. 
Bank Of America refused to represent our case due to the inability to provide a receipt. 
However, they sent us a text message with a fraud alert at the point of authorization.

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 2023-12-09 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Their hard inquires on my Equifax consumer report. I gave no permissible purpose to any person to pull my report. The following were XXXX XXXXXXXX on XX/XX/2023. XXXX  XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under JP Morgan and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXXXXXX  and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXXXXXX  there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I recieved demand for debt with a deadline to respond from Wakefield Associates, LLC. When I called number listed in the letter, operator demanded personal financial informantion and would not provide any information about who they where or why they were claiming debt. 

I responded with a written request for originator of debt. Five months later I recieved a letter with name of another debt collector and no other information. 

I believe this to be a scam. The phone operator was curt and demanding. She indirectly threatened me in attempt to obtain financial information. I did a XXXX search on the debt collector and recieved several cites about scams. All links to company led to series of names of companies with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I travel for extended periods out of the country ; in fact, most of the past two years. I pay my bill each month in full and have done so for decades. While I have moved over this period, my telephone and e-mail address have never changed. I called today for a replacement card, as one merchant, XXXX XXXX, suggested my chip was bad while having no problems using the card elsewhere or at other XXXX XXXX locations, as you can see from my statement. I simply wanted a replacement card because I depend on the card. The process and call went well until the agent told me she was unable to send me a text to my number, which I was calling from, even though I was out of the country. Now this action by Citi may be retaliatory because of my other complaint. 
However, my issue is with the so-called security department. I was asked for the last six digits of my bank that provided bill pay services, which I gave and was told it wasnt correct or enough. I was asked whether my account was paid from a Citi Bank account, which it is certainly not. I was asked for a secondary phone, which I provided as my XXXX XXXX. While I recently as last month changed my US address, I offered my XXXX Drivers Licenses number, which was the security agent refused for security reasons. This call was reportedly recorded. After about 30 minutes, the agent said the only thing he could do was mail a letter to my US address for which I must call security again to get my card replaced. Why didnt he just say so before asking all these apparently irrelevant and intrusive questions. Terribly unprofessional and thuggishly abusive tactics by Citi.

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 2023-12-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi App CD matured on XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested to send me a check and close the account during grace period on XX/XX/2023. The account is closed right the way and I've been told I will received the check in mail 10-15 business day. Citibank does not provide any confirmation to the customer. 

Citi App Check not received, be told my account is not been updated and have me visit the branch. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX, XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said they can not handle the transaction made online. Called the customer service and been told that she 'assure ' the check will be sent by XX/XX/2023. Citibank does not provide any confirmation to the customer. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said even I open an account at the branch, still have to call CS to see if they are willing to transfer the money to the account. Called customer service and the machine had no record of my account or SS number. The staff of the branch recommended to press '0 ' to see if I could get to one of the live representatives. It was not working and staff could not do anything else to 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 monetary relief