vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
After noticing emails stating new card sent I signed into online account XX/XX/XXXX and went through steps to close account. 

On XX/XX/XXXX I received an email that stated my account had been unlocked- after I attempted to close this account. 

On XX/XX/XXXX I called customer service and spoke with a person to specifically close this account. 

On XX/XX/XXXX I received an email that my account was reopened.

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 2023-01-30 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: NJ

Complaint narrative:
I have XXXX Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30 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: WI

Complaint narrative:
The wrong addresses and birthdate is wrong on my credit report tried to have them update my information but didnt work out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { 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 2023-01-30 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: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with ResponseXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX apartments in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from 4 inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to XXXX XXXX and all 3 additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an apartment complex in XXXX called XXXX on the XXXX. I reached out and spoke to the office manager and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Number is pulling up as : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX  {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I placed an order for a white hoodie on XX/XX/2022 with XXXX. After a few days passed since the order was placed, I did not hear back or get any update, so I reached out to the merchant, who confirmed that my order was getting prepared. I received a shipment confirmation with a FedEx tracking number on XX/XX/2022. On XX/XX/2022, I received the notification that my package was delivered. As I live in an apartment building, I attempted to retrieve my package at the reception where all packages are delivered, but the concierge was unable to find it. After searching everywhere in the apartment building with the help of the staff who work here, I reached back out to XXXX explaining that the package has not been received, even though the tracking number was marked as delivered. I asked them to reach out to FedEx for information that could help to retrieve the order, but the answer I received was " We see that this order has been delivered on XXXX of XXXX. ". Since I was still not able to locate the package and the merchant was completely unhelpful and unprofessional, I opened a dispute via the Apple Card customer service. As far as I am aware, when a dispute is opened, it should be investigated to find out what happened, but this is not the service I have been provided. I've been told conflicting information by representatives about how and why the dispute was processed, XXXX agent told me that the dispute was initially filed as I claimed to have not placed an order? I am able to retrieve most of the correspondence with Apple Card support, and this was definitely not the case. The dispute was resolved in the merchant 's favor numerous times. Every time I reopen the dispute, it is closed with the same outcome without any investigation. I receive the same folder of " correspondence '' from the merchant including my order confirmation and tracking number, which according to this credit card company confirms that the order has been actually delivered? I am not aware of the merchant ever reaching out to XXXX, definitely not when I requested them to, I am also not aware of any claims that have been made, which can only be made by the sender. Based on the documents that I received at least 5 times regarding this matter, I am also not aware of any steps that were taken by Apple Card support or the merchant to file the package as missing through XXXX, so that it can be either found or refunded. The merchant also didn't reship the item. I will not pay for an item that I have not received, especially when all of my timely requests were ignored by the merchant and Apple Card Support. This matter could have been resolved if the merchant would have been willing to cooperate and to do their job as the seller and shipper of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NJ

Complaint narrative:
I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Recently received a COLLECTION notice from this company, using a intimidation by placing a negative remark on my credit reports to force me to pay a debt that I never signed for, with their company OR their client. I have already made a complaint to the Pennsylvania Attorney General and contacted my attorney under the Fair Debt Collections Practices Act And The Fair Credit Reporting Act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jon Barry and Associates, Inc.
State: AL

Complaint narrative:
Paragon revenue group repeatedly contacts me before XXXX XXXX and I asked them to stop contacting me as I do not owe them anything. They contacted me most recently XX/XX/2023 at XXXX XXXX and when I called back to request they stop calling me because they were not allowed the lady told me yes we absolutely can call you before XXXX. I told her you are now allowed by law to contact anyone before XXXX and she got rude with me, laughed at me, and hung up after I told her to stop calling me and to mail any information that needed to be communicated. They also called me XX/XX/2023 at XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: WI

Complaint narrative:
The wrong addresses and birthdate is wrong on my credit report tried to have them update my information but didnt work out

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 2023-01-30 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: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: PA

Complaint narrative:
My account is suspended at the moment. I have recently tried to get it in good standing and making payments to pay off the balance. I was told that there is no guarantee that the suspension will come off once paid. I asked, is this written anywhere that speaks about this and was told no. It is worded differently to cover that. I stated that it should be written somewhere as a disclaimer. I stated that it is very misleading to send emails saying, " let us help you get your account up to date ''. This would lead one to believe, once balance is paid, your account will be unsuspended. It doesn't state otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received late notices on XX/XX/21, XX/XX/21, XX/XX/21 from Wells Fargo. I had this set up on automatic payments so I could not be late, but I was late XXXX  times with Wells Fargo handling the money. They did not have a payment on the phone option, or an online payment option if you did not have a Wells Fargo bank account. I did not have a Wells Fargo bank account so it was difficult to pay my payment on time if I did not pay it weeks in advance. When I called Wells Fargo to ask why my payment was late, she said not to worry about it, that we are given a XXXX week period for the " check to go through ''.

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 2023-01-30 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} Radius Global {$150.00}

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 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing error. 
Capital one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX  in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Barclay 's Bank Delaware XXXX XXXX XXXX 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

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