vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a billing dispute for services provided by XXXX XXXX on XX/XX/XXXX for XXXX with Citibank Cards XXXX XXXX XXXX XXXX XXXX SD XXXX. On my XXXX statement from Citibank a credit appeared.On the XXXX XXXX XXXX statement the charges were reversed. I have been going back and forth with Citibank and all requested information has been provided. 
On XX/XX/XXXX I received a letter from Citibank ( attached ) indicating that the case is closed because I did not return the concrete to the merchant. I have tried repeatedly to contact the merchant, with no response. 
I called Citibank XX/XX/XXXX and spoke with a manager, XXXX, who confirmed that until the materials ( Concrete ) are returned, they can not do anything for me. XXXX also confirmed that the merchant XXXX XXXX had not responded to Citibank either. 
From my perspective, Citibank has not provided the services they state about billing disputes or guidelines of what the Federal Trade Commission says about billing disputes. 
The XXXX was reversed and returned to the merchant, even without the merchant responding to Citibank. 
It is my understanding that after the allowed amount of time, if the merchant does not respond, the funds are returned to the cardholder.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.

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 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I got approved for a loan through Credit Acceptance on XX/XX/2020. The first year I spent at least XXXX on maintenance then got it repo in or around XX/XX/2020 because not only did I lose my job at the time. The money I was getting was all going into the car whether its wear and tear which is understandables but the car was having major issues that I was not aware about. I borrowed money from family to get the car out. 5 months or so later the engine literally died in Georgia on my way to texas. Paid to get it towed to XXXX and they said that I need a new engine. Credit acceptance eventually came and got it and nlw I am stuck with them calling me every single day about payments for a car that they allowed me to get that was hazardous on multiple levels.

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 2022-03-16 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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now

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 2022-03-16 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:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: LA

Complaint narrative:
No response to request for verified information, sent multiple request to fix errors ion my report, no answer from Trans Union

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 2022-03-16 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:
Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 4 ) A Statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain credit

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of XXXX XXXX monthly payment each month. Exeter finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every 3 months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b.

As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
I received a report through both XXXX XXXX and XXXX XXXX XXXX that a new hard inquiry had been reported on both my Transunion and XXXX credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My Transunion report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted Transunion to the likely fraudulent nature of the inquiry. Transunion apparently nonetheless responded to the inquiry from XXXX XXXX. Transunion has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TN

Complaint narrative:
1. On XX/XX/XXXX Respondent XXXX  XXXX, an apartment complex, transmitted a move-out statement showing a purported debt of {$4800.00} for rents, fees, etc. purportedly owed for XXXX and XX/XX/XXXX. 

2. On XX/XX/XXXX Complainant, an individual, disputed and denied the validity, amounts, dates, reasons, and objectively false representations contained therein, in totality, in writing. Prior, on XX/XX/XXXX the Complainant fully and absolutely vacated and relinquished the leased premises, without further access thereto, surrendering possession to XXXX XXXX. 

3. On XX/XX/XXXX [ Second Notice ], ( i ) XX/XX/XXXX [ Third Notice ], ( ii ) XX/XX/XXXX [ Fourth Notice ], and ( iii ) XX/XX/XXXX [ Final Notice ] XXXX XXXX attempted to extort {$4800.00} from the undersigned using ( i ) maliciously invented, invalid debts without factual or legal basis, ( ii ) objectively, provably false and unreasonable representations of the undersigneds prior tenancy ending on XX/XX/XXXX, and ( iii ) explicit threats of abuse of legal process, malicious prosecution, and corrupt influence of judicial proceedings. 

4. On or about XX/XX/XXXX, Respondent XXXX XXXX directed it's debt collection agent, Hunter Warfield , Inc., to initiate collection activities to obtain the unlawful debt. The Complainant exercised his rights under the Fair Debt Collection Practices Act. This complaint follows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( Bank Of America ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I placed an order for wigs to mostly human hair. I received a email state the wigs had been shipped. When trying to track the PKG thru the email that was sent. It comes back undeliverable. When trying to contact the company I found out that they are in the XXXX. And charged my card under ping pong fantastic connect. I called American express. Who sent me an email stating they were disputing my charge? Not they say they need more proof. I can not get an email from American express to respond to. I have been on hold more than,2 hours to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of $ XXXX monthly payment each month. XXXX finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every XXXX months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate 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 non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Before the pandemic, I paid a day or two ahead of time for a type of benefit that they didn't clearly explain and I accommodated that. 
It seems as though that when I paid it early, the creditor would process the payment late or have some excuse as to why the payment did not post in time to correct the issue. 

As a result, I have a late payment for this creditor on my credit report that says I was 30 days late on a payment. It is farthest from the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
In XXXX, XXXX I purchased a truck from XXXX XXXX in XXXX, West Virginia. They informed me at that time that they could not pull my report from Equifax. That it was blank and that I needed to contact them. I did contact them and they said nothing was wrong with it. I believed it was fixed until I went to apply for a loan with XXXX XXXX XXXX on XX/XX/XXXX. They informed me that they could not pull my credit at that time that it was blank. Since that day, I have called them almost every day trying to fix this problem. XXXX XXXX contacted Equifax Business department. Equifax told them that it was something wrong and that I needed to contact them. I did this. They said nothing was wrong. I was given other numbers to contact. I have called them all. They asked that I fax my drivers license, social security card and w2 to the dispute department. I did this. They tell me that they received it and that it was fixed. I call back to XXXXXXXX XXXX and it still isn't fixed. I called again today and they say wait 30 days from Equifax and they would investigate it. Now my wife has had 6 hard pulls on her credit because we keep trying because they tell us that it is fixed. I have nothing else to do but to contact you and then an attorney. I have been patient but this is 6 months and was told finished and nothing has been completed. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-16 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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