vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, an unknown individual went into a XXXX  store and performed a XXXX swap, thereby taking over my cell phone number. They then hacked into my XXXX and Citibank accounts and completed a {$42000.00} wire transfer. When Citibank attempted to contact me ( via telephone call, email, and/or text message ), the unauthorized user was able to confirm the wire transfer, as they were receiving all communications sent to my cell phone number. I have reported the fraudulent activity to Citibank and XXXX. Citibank has yet to refund the money.

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 2022-06-22 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: SC

Complaint narrative:
I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ELECTRONMER. 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: U.S. BANCORP
State: GA

Complaint narrative:
Hard inquiries from both XXXX XXXX XXXX XXXX XXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.

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 2022-06-22 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:
Hard inquiries from both XXXX XXXX XXXX XXXX XXXXXXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
Hard inquiries from both XXXX XXXX XXXX XXXX XXXX XXXX for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ADP Inc.
State: IN

Complaint narrative:
Fees for current month of XXXX is already at XXXX. Year - to Date fees is at XXXX i feel they are charging me outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I qualify for PSLF ; and have made 120 payments at this point. Fedloans is my loan servicer. I was told after speaking with the ombudsman that all my uploaded employment certification forms would be reviewed at the same time- however they failed to do so ; only reviewing one form. I would like a prompt review of all uploaded ECFs as I currently qualify for forgiveness. The wait time of 3-4 months is unreasonable to wait through again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MS

Complaint narrative:
I received notification from diversified adjustment that they were collecting a debt on behalf of XXXX. I contacted XXXX because I transferred services from XXXX to XXXX XXXX XXXX in XX/XX/2021. I paid my balance in full after my transfer was complete. I requested that XXXX provide me with detail billing. I didn't hear from XXXX but was contacted by Diversified Adjustment. The letter from diversified ( attached ) stated that if I write them for validation before XXXX they will stop collection and validate the debt. ; I requested detail proof. 
I have attached : 1. letter from Diversified 2. Certified Mail Receipt from two request XXXX and XXXX 3. Confirmation of payment to XXXX : XXXX paid XXXX XXXX. Confirmation of payment to XXXX : XXXX paid {$120.00} my last payment I have been with XXXX XXXX XXXX  since my transfer in XX/XX/2021 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: MD

Complaint narrative:
I am a natural person of the United States of America : I believe in the laws of the land which is the US Constitution as well as the Congressional Findings. Experian is in violation of 15 USC 1681b ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX the consumer never gave Experian written contest to report anything on my consumer report. No consent is 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 2022-06-22 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates , LLC have been collecting payments as a collection from me. They were awarded this unlawful agreement through court. I have paid the unlawful debt agreement in full and instead of Portfolio updating the amount on my credit report, the company stated that I have being making inaccurate payments on the account after the accurate was paid in full. The company verified through several XXXX disputes that my account was accurate on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX. These verification were all a misrepresentation of my ability to make the unlawful payments. Therefore continued to damage my credit worthiness. I received a certificate of service in the mail that states that this unlawful debt was satisfied in full on XX/XX/XXXX, in XXXX of XXXX by mail. This is also a fabrications, the bill was paid in full in XXXX. Even with all the misrepresentation of this account on my credit report as of today, XX/XX/XXXX, Portfolio Recovery Associates , LLC is still showing that I owe XXXX on my credit report even though they sent me a letter stating that the debt is PAID IN FULL in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
WELL EVERY THAT WAS SAID TO ME FROM TRUIST, SAID NOTHING ABOUT WHERE MY PRINCIPAL PAYMENT HAVE BEEN GOING FROM XXXX TO THE PRESENT. I HAVE A CAR SINCE XXXX, AND ON THE LOAN STATEMENTS SHOW ME THAT I HAVE PAID {$3000.00} IN PRINCIPAL PAYMENTS OF THE LOAN. I JUST WANT TO SEE DOCUMENTS SAYING WHERE THE PRINCIPAL IS GOING. YOU WERE REAL FAST ABOUT SENDING ME A MODIFICATION,2 WEEKS AFTER I CAME OUT OF MY FORBEARANCE, AND GAVE ME 2 WEEKS TO SIGN IT FOR 30 MORE YEARS. THAT WAS A RED FLAG, 30 YEARS AND FOR {$240000.00} WITH NO PRINCIPAL EVER BEING PAID. IF I HAD GOT A MODIFICATION OF {$160000.00} AND THE VA ASSISTANCE WITH THE 1 % REFINANCING OF THE LATE PAYMENTS, I WOULD HAVE SIGNED THOSE DOCUMENTS CASED CLOSED. BUT YOU WANTED TO GIVE ME A LOAN TOWARDS THE LATE PAYMENTS WITH ALL OF THESE LATES, TAXES, AND CORPORATION FEES, FOR A BUSINESS VENTURE. THAT IS FOR YOUR RICH CLIENTS BUYING AND SELLING PROPERTY. AND WHEN MY LOAN WAS IN THE CRACKS OF YOUR SCAM YEAR BACK OF THE XXXX XXXX PAID OUT, IT SHOULD HAVE BEEN A TRUST FUND FOR YOUR CLIENT 'S LOANS THAT WERE IN THE MIX OF YOUR WRONGDOING AT THE TIME.

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I received a card in my name at my address. It is from Avant and has not been activated. They said they would send it to the fraud department, but all in all it didn't seem safe and secure. It says the card is for a limit of {$300.00} and has XXXX fraud liability for unauthorized charges. Says it is issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a letter from First National Collection Bureau , Inc. from XXXX XXXX NV on XX/XX/XXXX. I called them the same day and spoke to someone identifying himself as XXXX ( I didn't catch the last name ). He said the debt was from XXXX XXXX XXXX XXXX XXXX for a credit card from XXXX on a card issued from XXXX XXXX XXXX  XXXX  XXXX. I told XXXX I didn't know anything about this account. He said he was looking up the information and told me the card was for beauty and makeup. I explained I never had such a card. I check my credit reports from all three reporting agencies on a regular basis. There was no past due account in collections from XXXX XXXX or from XXXX XXXX XXXX. I contacted XXXX XXXX Bank and XXXX customer services for credit cards and spoke with XXXX who checked her records and stated they had no record of a card in my name. I asked if they had information on a credit card even if the card was closed. She indicated they would and there was no information for XXXX XXXX. 

Both XXXX XXXX XXXX XXXX XXXX and First National Collection Bureau , Inc. have had issues with false claims and attempts at collection in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-06-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I booked 3 rooms for XXXX XXXX XXXX XXXX XXXX XXXX that is located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX for one night on XXXX  XX/XX/2022. 

I booked through booking.com with cancellation guaranteed refund if i wanted to cancel. 

I cancelled well before the cancelation period and the hotel still charged me. 

I requested a refund and called them for which they told me that they refunded me and it would take 7 - 15 business days for the refund. ( I even have email confirmation from them ) So i called Bank of America to dispute this transaction and they sent me a credit totaling {$430.00} which then they sent me mail saying they will take it back on XX/XX/2022 They never gave me a chance to show them proof or anything that clearly shows that i cancelled correctly and that the hotel even told me that they will refund me but never did.

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 2022-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.

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 2022-06-22 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: SC

Complaint narrative:
I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.

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 2022-06-22 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: SC

Complaint narrative:
I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX, XXXX and XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation