vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. 
I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. 

As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. 

I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MRS BPO, LLC
State: OH

Complaint narrative:
Rude customer service. When I called to try and resolve problem which I suspected fraudulent, I wasnt even in their system

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Back in XXXX of XXXX I was a victim of Grand Larceny/Identity Theft/Auto Fraud . The accounts open with XXXX XXXX XXXX XXXX and TD Auto Finance LLC was not open by me and is fraudulent also enclosed is a copy of a letter from XXXX XXXX XXXX Attorney XXXX XXXX verifying that these accounts are fraud and was not open by me case Number XXXX I demand these accounts be removed from my credit file within 7 business days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
In XX/XX/XXXX there were two transactions for {$480.00} that should not have been taken from my account. Total being {$960.00}. I filed a dispute immediately .They provisionally credited my account a month later which is far past dispute resolution timing in XX/XX/XXXX for only half of the amount but sent an email saying the provisionally credited my account the {$960.00}. I inquired on this many times. Got slim to no real response on this. Finally On XX/XX/XXXX they stated they were going to investigate this and get back to me. On my fifth they reversed the provisional credit. I filed a rebuttal and asked for documentation on their decision. They sent me redacted photos of basically nothing and also transactions from a persons account that is not even mine. I have asked about this time and time again. Reached out again end of XX/XX/XXXX. They told me to file a rebutal with them. Before i could do so, they closed my accounts, leaving me with a negative balance and no way to access my accounts, and my secured card now closed on my credit report which made my score go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I purchased a product worth {$110.00} from XXXX on XX/XX/2023 but received a damaged product instead. I had promptly returned the damaged product but I never received a refund even after waiting three months. The XXXX tracking id is XXXX for the return. I submitted a complaint to Paypal but they said the the information I provided was invalid and closed my case. If one goes to the XXXX website and enters the tracking number they can clearly see that the product was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
Im not using any third party for this matter. I represent myself by myself. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report for this matter and included this report in a package. 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. 
Please remove these fraud items from my report as soon as possible : 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 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 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 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 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
On XX/XX/2023, after unfreezing my credit reports, I set up a direct payment to clear off two debts that were showing on my credit reports. The companies Seventh Ave and XXXX XXXX both of the same address XXXX XXXX XXXX, XXXX, WI XXXX. As agreed the direct payment was paid to these two accounts via a bank draft. AFTER the accounts where cleared by my bank, the companies came back onto my credit file, first marking the account as paid, then came back later the same day and reported that the accounts where charged off, which is a lie. They were both paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: IL

Complaint narrative:
There are several inquiries on my Transunion credit report that I have disputed. I mailed my disputes off XX/XX/2023, and Transunion received my disputes on XX/XX/2023. When I call to check the status of my disputes. The representative explains that they dont have my dispute letters I mailed off. However I mailed the dispute letters off disputing my personal information, negative accounts, and unauthorize inquiries that is listed on my credit report. I have not heard back from Transunion yet with any update on my dispute. After you send a dispute letter to the credit bureaus, they have 5 days to send something back stating the fact that they receieved your dispute and a investigation is underway. However Transunion have not sent me any notifcation that they have received my dispute. 

I also filed a FTC identity theft report as proof that I am a victim of identity theft and the hard inquiries Transunion is reporting on my credit profile is not authorized by me and to remove them. 

Attached is the return receipt slip as proof that they received my disputes, along with the dispute 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 2023-04-24 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: NY

Complaint narrative:
I have attached an FTC report with 2 fraudulent accounts and fraudulent inquiries

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 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Currently I am trying to protect to Financial bank accounts. Also constant threats of Identity theft of transfers Of anyway shape or form either digitally on smart Phone Or computer etc ... Also currently the people that Stay In My husband and My home. We have asked Have tried to ask nicely to leave our property And home Unless invited in. To visit. Are causing financial physical emotional damage and stress To myself my husband and home and financial Is banking institutions. As well as credit/credit cards small and large purchases. Leaving jets in both of our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
EARLY WARNING SERVICES FAILED TO DISPUTE THE INFORMATION THAT WAS REQUIRED OF THEM TO DISPUTE ONCE NOTIFIED ABOUT THE ERROR EXISTING ON MY CONSUMER REPORT CONCERNING FINANCIAL INSTITUTIONS BANKING HISTORY. THEY STATED THAT THE CONSUMER REPORT COULD HAVE BEEN INVOLVED WITH IDENTITY THEFT BUT NOT THEIR COMPANY. EARLY WARNING SERVICES HAVE OBTAINED MY INFORMATION WITHOUT CONSENT FROM ME. EARLY WARNING SERVICES FAILED TO PROVIDE THE CONTRACT BETWEEN THEIR CORPORATION AND I. EARLY WARNING SERVICES FURNISH INFORMATION FROM BANKING INDUSTRIES UNDER MY INFORMATION WHICH I DID NOT HAVE ANY KNOWN KNOWLEDGE OF NOR HAVE I EVER CONTRACTED WITH EARLY WARNING SERVICES OR GAVE THEM PERMISSION TO USE MY INFORMATION. EARLY WARNING SERVICES IS A THIRD-PARTY SERVICING AGENT REPORTING FOR FINANCIAL INSTITUTIONS THAT I HAVE NEVER BEEN A PARTY OF NEVER HAVE I EVER DONE BUSINESS WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
I have some late payment on my reports i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this 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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just checked my credit report and noticed that an item was illegally inserted from XXXX XXXX ( {$7300.00} ). I have never had a contract, spoken with anyone from the company nor received any time of written communication from them. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes : The amount owed. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. A statement that if you request information about the original creditor within 30 days, the collector must provide it.

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 2023-04-24 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: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-24 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: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor, Department of EducationXXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Background and Context of Complaint : - Sent certified letter to Experian on XXXX XX/XX/2023 - Letter was received and signed for by Experian on XXXX XX/XX/2023 - Letter was regarding removal of items due to Identify Theft and included an FTC Identify Theft Report - Ask of Experian was to remove the Identify Theft items identified - Also provided : Drivers License, Certificate of Live Birth ( Authenticated by the State of Ohio ) as proof of identity, Most Recent Credit Report, and FRCA 605 B ( 15 U.S.C 1682 c-2 ) On XXXX XX/XX/2023 Experian sent me a response ( attached ) to paraphrase : - Request to block was made in error - Requested proof of identity ( which had already been sent ) - Requested copy of a police report be sent to them Per CFPB website : - Consumer reporting agencies and furnishers must conduct a reasonable investigation of the dispute - Consumer reporting agencies and furnishers are liable under the FCRA if they fail to investigate any dispute that meets the statutory and regulatory requirements- Enforcers may bring claims if consumer reporting agencies and furnishers limit consumers dispute rights by requiring any specific format or requiring any specific attachment such as a copy of a police report - CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring consumers to submit particular items of information or documentation with a dispute before the entity will conduct its investigation of the dispute. Examples of this conduct include : a ) Specific documents even though the consumer has already provided the supporting documentation b ) Consumer to attach a completed proprietary form before investigating c ) Requiring any specific attachment such as a copy of a police report etc. 

CFPB Additional Information : - For disputes received directly from a consumer, a consumer reporting agency or furnisher must reasonably investigate the dispute unless they have reasonably determined that the dispute is frivolous or irrelevant. If such a determination is made, the consumer reporting agency or furnisher must notify the consumer of such determination within five business days of the determination and identify the additional information needed from the consumer to investigate the dispute - Notification of determination to me ( the consumer ) was outside the five business day window

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