vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I used to have a XXXX card with American Express ( ending in XXXX ), which I asked to be closed back in XXXX or XX/XX/2019. XXXX months ago, I received a statement for this card, showing a charge of {$160.00}. 

I immediately called the AMEX customer service to dispute this charge, saying that I never received any goods or services and that this card account had been closed over XXXX and a half years ago. They agreed to investigate and suspend the payment due for this charge. 

I also tried to contact the merchant, XXXX XXXX in New York however, the phone number listed on the charge as well as on their website, is simply a voice mail drop, with no access to live operators. They offer an email form, which I filled twice at a month interval and remain unanswered to date. 

American Express reinstated this charge, asking for payment and I disputed that charge again in writing. I can not understand how a closed account can be impacted with new charges so long after the actual closure date of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I do not owe this debt. While doing my research I realize XXXX XXXX took over XXXX XXXX. When I joined XXXX XXXX in XXXX, it was a month to month deal with no contract. I canceled that deal in XX/XX/XXXX in person and in writing, I filled out some form & gave it to the receptionist/front person at the gym and I requested cancellation of my monthly withdrawals, she said I was good to go. Then after I cancelled in XX/XX/XXXX, I kept receiving emails asking me to join again, with discounted pricing ( emails attached ). In XX/XX/XXXX, I received an email from XXXX XXXX announcing XXXX XXXX was taking over, and I did not think anything of it, I thought it was another email to get to re-join. Then all communication stopped ; I received XXXX emails or communication from XXXX XXXX or now XXXX XXXX regarding any membership or anything due for the whole year of XXXX, until XX/XX/XXXX, which is when this collection debt was added to my credit report which I have disputed but Blink Fitness refuses to remove. I have contacted the debt collector, Aldous & Associates, several times via phone and/or email with no resolution. I demand this be removed from my credit report and I demand Aldous & Associates to stop any and all communication with me regarding this debt. I DO NOT OWE IT. Today, XX/XX/XXXX, I called Aldous & Associates & requested validation of this debt, I was not provided such proof. I offered my email and physical address for proof to be sent to me. Person answering the phones said she was not able to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I don't have any late payments or any missed payments. Yet XXXX and Equifax minus points off my credit score constantly. Recently XXXX took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both XXXXXXXX XXXX XXXX are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have XXXX charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the XXXX XXXX XXXX  from harassing and trying to intimidate me? What XXXX XXXX over sees the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a open credit card with XXXX XXXX. MY account has always been set up on autopay. 
The creditor, XXXX XXXX is randomly adding late payments to different months and years through each credit bureau. 
In XXXX of XXXX they added a late payment on my transunion account saying it was late for XXXX of XXXX ( two years later ). On my XXXX  they are reporting that XXXX of XXXX is not late but that XXXX of XXXX is late ( this late payment was added on XX/XX/XXXX of XXXX ). They are also reporting a infactual late payment of XXXX of XXXX. None of these late payments actually exist and it seems like they are randomly adding them years later. I have contacted the company who says it is not their problem and there is nothing they can do about it. I have written them letters and disputed this online however they keep deleting and ramdonly adding different months and years of late payments. I need all of these inaccurate reportings removed and I need my account closed with them so they can no longer report inaccurate information. It has been approx 7-8 months since I have been having this issue with them.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposited a check via the Chase mobile app to my checking account. The source of the funds was an established income source used several time before, as recently as XXXX weeks prior to this. Upon depositing it, received notification it would be subject to a XXXX day hold. This seemed a departure from the normal hold time so I contacted Chase to obtain an explanation both in person and on the phone. I was subjected to a humiliating variety of questions, as the check was from a relative I was asked how they were related to myself, why they would be sending it and why I would have a different last name. After answering these questions I again received a shifting series of attempted explanation for the delay. In contacting the family member that had issued the check it had cleared the bank the day after the check was written. At this point it has been XXXX days without neither a return of funds to the party who had written the check not a deposit of the funds to my account nor did I evert receive a clear and consistent explanation for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
This complaint is against TD Bank located in XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX. On the date of XX/XX/2022 I called via telephone Td banks customer service to file a claim in regards to my experience with their atm. After attempting to open a dispute in person at the branch the very next day and being told by XXXX of the supervisors there was nothing she can do at the time. Saturday, XX/XX/XXXX at approximately XXXX the lobby being already closed for the evening. I deposited money into the atm closest to the window. Having already counted the money and taking all necessary steps to make a deposit. I inserted a total of {$1000.00}. Specifically XXXX {$100.00} dollar bills. I heard the machine process the funds but amidst there was a software glitch. The atm spit out my card and swallowed my money leaving the screen white with no receipt for proof of deposit printed. Unaware of what to do next I called my mother and did as suggested. 

Back to the beginning, disputing the charges over the phone. Making a few phone calls in between, with the little time I had transitioning between school, home, and employment. I would contact customer service to be reassured every time that the investigation was being handled. XX/XX/2022 reviewing my account I would notice that a deposit of what I would presume be a provisional credit of {$1000.00}. 18 days later upon completion of their investigation I would find out the credit was reversed. Leaving my account overdraft. Left to dial customer service to speak to a rep and be told a letter was mailed dated XX/XX/2022 stating my claim was denied. There was no system error found. So back to square one re-opening an internal investigation. Stepping into the branch once again. Being spoken to in a way where theyre labeling me a hoax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Proposed a settlement offer on XX/XX/2022. Wells Fargo will not respond.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and I'm disputing some items that need to be deleted. l have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Items : XXXX XXXX Account Number : XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason for Deletion According to the provisions of the Fair Credit Reporting Act '611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXX days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 [ 15 USC ' 1681j ], there should be no charge for this 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
I have disputed and I feel the investigation was invalid due to inconsistency

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX account fraudelent opend in my name ). 

Never had XXXX XXXX XXXX XXXX, I found out about it as I attempted to open another phone line & they refused due to the amount owed of {$410.00}. It also a collection bill on my credit that I asked to be removed due to identity theft. I have filed police reports, etc, about this & other issues that have arised over the years. 

It says it was opend 4 months ago ( I also asked for it to be closed they said they couldn't close it due to balance owed ). I also reported & spoke with XXXX XXXX XXXX as well as XXXX XXXX, & Credence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DEBTWEBEX, LLC
State: NY

Complaint narrative:
Debtwebex is tiring to collect on an 19 year old debt and from exempt funds from my DECEASE father these people are crazy there dunning letter has none of the required wording in it as to state the statute of limitations there XXXX XXXX debt collection licensee the amount of debt whom the debt came from saying that they will report the past 19 year old debt to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The XXXX XXXX in XXXX, Florida suggested that I get the Care Credit Card through Synchrony Bank so I signed up for it. However, he began to bill me twice for services I had already paid for out of pocket in cash. Also he billed me for services he never even gave me. All of the charges under the Care Credit account were not given and were unauthorized. He forged my signature for the credit card payment. I never agreed to pay the fraudulently charge amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX it shows claim payment of over {$29000.00} along with interest and they can not tell me why or apply it to my account. I have been in contact with since XX/XX/XXXX. I want to know why the credit is on there and why they have not credited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2022 a check that I wrote to my HOA for {$25.00} was altered by the management company or some else, ( I say that because nobody at the management company will speak to me ) and it was changed to {$9000.00}. Once I saw that I immediately contacted PNC Bank and went to the branch where I signed the Fraud Affidavit and was told to stand by, they will be in touch. Not one time has PNC Bank reached out to me with resolution. I have been calling them regularly and all they keep saying is they are investigating and they have 120 days to reply. What makes this even worse is approximately XXXX weeks after the Fraud an investigator from XXXX  XXXX XXXX called me and said the check was deposited there and they flagged it as they knew it was Fraud and they never released the funds to that persons account. As recently as yesterday, XX/XX/2022 I spoke to the branch manager at PNC and no status change. Not XXXX person has stated that I am covered and I will get my money back. I need help bad!! I did nothing wrong and PNC Bank and XXXX  XXXX XXXX are punishing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.

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