vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been having an ongoing dispute with XXXX credit card. I never received my replacement cards back when I reported them lost/ stolen first in XX/XX/XXXX then again in XX/XX/XXXX. Someone made fraudulent charges to my accounts. I received a statement today and it appears that Bloomingdales has resolved the dispute for fraudulent charges made in XX/XX/2022 but I have no idea what the balance of XXXX is for. I have been trying to work with their fraud department to resolve the issues but can't seem to get a straight answer. 

I nor did my authorized user on the account make any charges since neither of us ever received any of the replacement cards sent by Bloomingdales

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 2022-03-21 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: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UHG, LLC
State: CA

Complaint narrative:
I received an earnings withholding order from XXXX XXXX XXXX regarding a debt that I apparently owed from a company UHG I LLC from my employer XX/XX/2025. I contacted XXXX, the same day to inquire about this issue and to try and stop the garnishment. I was advised that UHG was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from UHG nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now XXXX will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Beginning in XXXX of XXXX I reached out to Midland Credit to request information pertaining to a debt showing on my credit report that I did not recognize. I requested information and validation of the debt and did not receive any information or correspondents. I sent multiple letters and did not receive any of the requested information. 

In XXXX of XXXX I started receiving court paper and learned that i was being sued for an account I had no knowledge of. 

The Lawyer of XXXX XXXX provided me with a little information pertaining and advise me to speak with the lawyer that actually has my case as he was just feeling in. 

I attempted to reach out to the lawyer with no success. I received documents on XX/XX/XXXX and immediately called the number listed as there were multiple discrepancies with the information listed. The number listed was for Midland credit directly instead of the lawyer. The midland rep stated that she would have the lawyer contact me after we both found some discrepancies as well as Midland shows all my letters that were set to them. 

I have never applied for a credit card account with XXXX bank. The information they have including the credit cards and bill was sent to my old address on XXXX in XXXX in XXXX. I moved from that address in XXXX. 

This debt does not belong to me and was opened without my knowledge and authorization. 

Attached are additional documents for review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: NJ

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone applied for a credit card with Shell/CBNA in my name. I have tried to contact the company and no department will help me. I did not apply for any card 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 explanation
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an XXXX report just like the bureau requested before and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-03-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/XXXX I logged into citi.com and paid my credit card balance in full as I do every month. On XX/XX/XXXX, after logging into my checking account I learned someone had hacked into my account and wiped my checking account out, as a result, a security closure was done to protect my account from further ID theft. A day later XX/XX/XXXX CITI finally presented my payment scheduled for XX/XX/XXXX to my bank, but the account I scheduled the payment from the week prior was already closed and the new account had been generated already. 

During that time I made several calls to CITI to discuss disputed payments on my account and no one bothered to notify me my account had/or would be closed, or that my payment had been returned. 

By closing the account, CITI also removed the XXXX XXXXXXXX reward certificate I had earned from the previous year 's spend. 

As I had never been late with my payment and never missed a payment, closing my account without notice, based on the resulting account closure of my checking account due to Identity Theft seems extremely uncalled for, irregular, and seriously deceptive practice. 

Citi is also required to provide me with written notice of their adverse actions closing my account. However, I have not received any letters regarding the account closure, and none are shown in my online document center, which is where they should all show up as I am setup for paperless documents, billing, and statements.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
There was an unauthorized charge to my PayPal account from another state by XXXX. I called XXXX immediately and reported it and I also reported it to PayPal. They said I made the charges which I clearly didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 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: DE

Complaint narrative:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FRC/TBOM Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

Discover XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX Claim system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


Citi XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the 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 non-monetary relief
Consumer complaint received 2022-03-21 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: FL

Complaint narrative:
Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an XXXX report just like the bureau requested before and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I have been told I am behind on my mortgage, when this a stem from mortgage company over payment of taxes. I had city officials readjust taxes. I email copy as advised. This start in XXXX XXXX. Have spoke with supervisor for the company advising issue was corrected mid XX/XX/XXXX. Only to now be told XX/XX/XXXX I was XXXX payments behind after making XXXX and XXXX payment on XX/XX/XXXX. I get a rep that tells me on XX/XX/XXXX I am correct I do not have any behind payment owed. Loan Depot is the worst company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
Apparently, I have had an account with ProCom Services of IL for about XXXX years. Due to my Spam call blocker, I dont get notifications when my phone rings for unknown callers. ProCom has never left me a message so I did not know they were calling me. I did actually pick up the line and was informed that I was in collection. Since this was the first I had heard of it, I thought the collector was scamming me because she refused to send me anything in the mail verifying the claim. 

Now, Im here months later and have had my third conversation with ProCom. The second representative and I spoke and he mentioned that the bill had not been to insurance. Again, I asked this person to send me something in writing so I could verify the charges. He also refused. ProCom claims that since they sent me the original debt collection bill that they are no longer obligated to send another. I begged them to send me XXXX and they refused. 

That made me finally investigate what this charge might be. I contacted my original medical provider and they did indicate that they sent the bill to collection. They also told me that I should dispute the claim based on how the caller said it didnt go through insurance. 

Since I cant get ProCom to send me anything in writing I drove to their office to speak to someone so I could see the paperwork on my account. They had a sign on the door stating that their lobby is closed and no one could walk in to speak with them. 

Now comes call number XXXX. I spoke with the man and told him what the medical office told me to do. He put disputed on the claim but again refused to send me anything in writing. I shared with him how silly it was that we have spent so much time on the phone discussing this when its a simple piece of paper and a stamp. He agreed and said that he thinks its a waste of his clerical team to send it out. I even told him I drove to his business and his only responses were that they have been in business over XXXX years and this is how they operate and that if I wanted to stay in collection, this was how it was done. 

Its only a piece of paper I want. Why is that so hard for them to send me a copy of the invoice?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation