vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: Comerica
State: CA

Complaint narrative:
comerica bank has stolen XXXX $ from me for the transaction by the franchise XXXX XXXX ( XXXX ). XXXX charged XXXX $ on XXXX, XXXX, 2023 under the merchant name XXXX XXXX XXXX  ( and not under franchise tax board, which is illegal by XXXX and comerica bank both are manipulating bank statement records ) and also the total amount charged that shows up on the statement is {$1500.00}, which included {$100.00} processing fee by the comerica bank. comerica bank should have done a separate transaction for {$100.00} debit fees and did not do that and obviously manipulated my bank statement records too. And XXXX gave me the credit for XXXX $ but comerica bank is not giving the credit for {$100.00}. Mistake was done by the franchise tax board, they told me, they could not find my tax return, and when I called in, they found it and reversed the charge. This is not my fault. comerica bank should go after XXXX, and not me. Comerica was already stealing money out of my account in the amount of {$1400.00} for the XXXX. And now is charging me XXXX $ too. And on top of that comerica manipulated bank statement so that XXXX $ won't show up as a separate transaction on the bank statement. {$100.00} charge is added to XXXX charge of {$1400.00}. This is bank fraud. For example, if I make a charge of XXXX $ at XXXX XXXX Restaurant, that does not mean comerica can charge me XXXX $ for the dispute and make it {$30.00} charge to me and not show it separately on my statement. This is total manipulation of the legal system. I have spent a lot time talking to comerica employees, and comerica should pay me XXXX $ extra in addition to the XXXX $ for all the time and trouble that comerica has caused me. And also straighten out the bank statement that will show a charge of XXXX $ as a separate transaction. 
Just for the record XXXX reversed the {$1400.00} charge on XX/XX/2023. 
Moreover, I did not owe {$1400.00} to XXXX, why comerica bank was stealing money out of my account for XXXX, comerica bank should pay the XXXX $ charge and pay me extra $ XXXX for my time and troubles. 
Moreover, if any one made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is white, I look brown, and I am originally from XXXX, which is an XXXX  country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB XXXX has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( XXXX ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( XXXX ) ( XXXX ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( TRANSUNION ) INQUIRIES ONLY XXXX not fraud over XXXX yrs DELETE XXXX XXXX XXXX  please delete old addresses that not on my government ID 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

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 2023-07-28 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: IL

Complaint narrative:
CFPB XXXX has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( XXXX ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( XXXX ) ( XXXX ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( EQUIFAX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX not fraud over XXXX yrs DELETE XXXX XXXX XXXX  please delete old addresses that not on my government ID 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: CA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses 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 There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. RONOLD XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, 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 non-monetary relief
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am the author of this complaint. I recently checked my credit report and I saw some accounts that shouldn't be there. I have attached a picture of my driver 's license and a copy of an ID Theft report against the accounts and creditors 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

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 2023-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Freedom Mortgage ( XXXX XXXX ID : XXXX ) company has taken the opportunity of adding extra charges to my account. also not posting payment sent to freedom Mortgage. all payment been set by my bank and send on time without missing a due date since Freedom Mortgage bought my loan.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. This is a violation of the Gramm Leech Bliley Act whom protects consumers from misuse of personal information and sharing practices to companies without opt out notices in which I have NEVER received. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. This is a federal crime and is punishable up to 10 years in prison and {$10000.00} fine or more. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification ; & failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

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 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety,

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 2023-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
We have been paying on time and come to find out we have over paid our escrow and should not have a pmi either. We have asked for a detailed report of our escrow and have not received 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To who it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/2023 to see inaccurate information on my personal information section. I immediately sent out certified letters on XX/XX/2023 with a return receipt to all three credit bureaus. XXXX and XXXX immediately fixed the situation but Experian only updated my name and keep other names and addresses thats not associated to me on my credit report. I sent in my credit card bill to show proof of residency as well as sent in a copy of my XXXX card with a copy of my government identification. Experian ignored my request I didnt try calling to fixed the situation but XXXX the representative was so rude to me. I feel like my consumer right has been violated and Its unfair to have to go through the ring just to correct my personal information.

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter from Citi, dated XX/XX/23, with regard to my account ending xxxx [ redacted ]. The letter states that " the balance of your closed EXXON/MOBIL CLASSIC account, will be cancelled by Citi. The balance on this account is {$520.00} as of XX/XX/23 ... .Citi will report this debt collection on Form XXXX, as required by US law. You are responsible to any applicable taxes and consulting a tax advisor related to this debt collection. If you wish to continue paying down your balance, you have 60 days from the date of this letter before debt cancellation occurs. '' A payment of {$2000.00} however was already mailed, thereby bringing the balance due on the XXXX Statement to {$500.00}. 
Nevertheless, a month later, on XX/XX/23, Exxon/Mobil Citi sent me a bill entitled XXXX XXXX with a total balance due of {$530.00}. The statement says " Your account is past due {$20.00}. '' This means that subsequent to the XX/XX/23 notice of debt cancellation, the account was kept open and interest and fees were accrued. 
The XX/XX/23 notice did NOT state that interest, fees and penalties would continue to accrue until the cancellation - rather it said " you may wish to continue paying ... '' This sentence indicated that continued payments would be optional without any accrual, and implied that the sole reason to make any payments would be to lower the amount of debt reported on the XXXX. 
Numerous calls were made to the 800 number on the XX/XX/23 - XXXX - but all representatives give the same refrain- they can not help due to the account being closed, with multiple representatives passing the calls to other departments and then being hung up upon.

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 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: TN

Complaint narrative:
I may have chosen the incorrect option, as the option I needed to choose wasnt there. I wasnt notified of a debt in the amount of {$18.00} from the XXXX XXXX at XXXX XXXX for a service that took place on XX/XX/23. I did receive a final notice for a service rendered on XX/XX/23 for {$18.00}. I was puzzled to receive a " final notice '' since I hadnt received any bills from them. I paid them immediately upon receiving the final notice. And shortly after, I received a collections notice from Accounts Receivable Resources, Inc. ( a debt collections agency ). Im not sure if XXXX XXXX at XXXX XXXX are behind on their accounts or if this is racially motivated. I hope its not the latter. When I received the collections notice, I assumed that it was for the service I had in XXXX due it being the same amount. So, I immediately went to the Accounts Receivable Resources , Inc. website to dispute it. I waited a week for them to contact me, but there was no response. So, I sent a dispute to Accounts Receivable Resources , Inc. via certified mail. I just received a letter from them today, XX/XX/23, with the service details. I am submitting this complaint because this shouldnt have been sent to collections, especially such a small amount. I would greatly appreciate your assistance with getting this resolved.

Company response to consumer: Closed with explanation