vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate information on my credit report. The following information on my credit report does not belong to me : XXXX XXXX XX/XX/2023

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 2023-05-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX... creditor is XXXX XXXX XXXX bank in the amount of XXXX dollars opened on XX/XX/XXXX ( in collections? ) XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX amount of XXXX it looks like it's XXXX funding XXXX bank opened on XX/XX/XXXX closed on XX/XX/XXXX amount XXXX dollars Credit XXXX bank Opened XX/XX/XXXX closed on XX/XX/XXXX XXXX bank * XX/XX/XXXX I received a letter in the mail that a account was opened in my name ending in XXXX but they needed more information me so they restricted the account I did contact them about this because this account was fraudulently opened and the other ones listed I have no knowledge of either and were fraudulently open also.I filed disputes about the other accounts listed

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 2023-05-16 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: FL

Complaint narrative:
XXXX XXXX is collecting for a company called " XXXX XXXX  ''. This account has previously been reported as fraudulent in 2021. 

XXXX XXXX is in violation of The Fair Debt Collection Practice Act for continuing to collect on an account that has been previously been reported as fraudulent via an Identity theft affidavit. 

An updated report has been attached to this report.

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 2023-05-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I had a XXXX  credit card that was sold to XXXX bank. XXXX  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once XXXX  sold to XXXX, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with XXXX  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.

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 2023-05-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a bill at the end of XXXX on my CITI card for a purchase I did not make. First on XX/XX/XXXX for {$13.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I called CITI reported it and they shut that card down. they said they would look in to it. Then I receive another bill with XXXX more fraudulent charges. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11.00}, XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX {$28.00}. I called about those as well. I just received a letter from CITI stating that they were unable to resolve the dispute in my favor due to the information I provided and that I should contact the merchant. I have no idea what these purchases even are. They appear to be in foreign language. Lastly this card was only used for a balance transfer offer. It was paid in full XX/XX/XXXX. This card was never used to make any purchases.

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 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Wife called XXXX on Saturday, XX/XX/2023 because I fade out. Once the paramedics arrived to my house they just suggested to me to take XXXX and XXXX together. They added that it was the treatment they personally take for XXXX XXXX. Then they offered to me to choose between riding with them in the ambulance or do do it myself to the nearest hospital. Due to the fact on the information provided by the paramedics was not reliable, my wife and myself said no. Paramedics left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-16 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied for an online loan. To make a long story short, I gave the loan company my Citi Bank bank info and they made a deposit of XXXX. I went to check my account this morning to find I no longer have access to it. I called the bank wondering whats going on and verified everything, including the deposit because thats what I seen for on deposit. Come to find out, the loan company was a scam and the bank closed my account due to them depositing a mobile check and forging my signature. I called the loan people to make them aware of what the bank had told me and they proceeded to use vulgar language with me and demanded I send them the money back. Even suggested I go to a money center like XXXX to keep going with the process. I suggested we call my bank on XXXX way so we can get to the bottom of this ( they kept claiming they were legit. They also wanted to call my bank themselves but I declined that due to the situation thats ongoing ). I explained to the bank what happened and they were thankful that I called to tell them what happened and realized I had became a victim of fraud but because my account was already in process of closure, they said they cant stop it nor can I open a new one. I think thats completely unfair because I was the one that was a victim of fraud. They shouldnt be able to label people as non trustworthy because someone fell victim to a scam during an obviously vulnerable time when you need help financially. I want to be able to continue using citi bank l. I been with them for a year and never gave them any problems and vice versa.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Aargon Agency on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Aargon via mail on XX/XX/2022. Tracking shows that the letter was received on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter in return. I simply ask that this item be deleted from my credit report. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical issues.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
TransUnion LLC XXXX XXXX continue to delay their investigations into my credit file. I have sent letters via certified mail ( through online certified mail ) with copies of my passport, driver 's license, social security card @ Veteran ID to confirm my identity and they continue to send me canned letters stating they do not believe I am the one requesting the investigation. This delays the investigation and takes the investigation beyond 60 days.

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 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had complained about false charges on my US Bank account and at the same time they shut down my accounts, would not help me with the bank fraud on my accounts, and then proceeded to make collection calls on my credit card accounts and would not help me with my business and personal accounts that were effected and they effectively drove my credit score down. It was a systematic form of retaliation for filing a complant against one of their larger customers and they choose to protect those customers and that is illegal you can not do that. You must treat every customer the same with the same standards and the must abide by the same laws rules and regulations for all customers. I had reported a major fraud and this is a clear cut case of retaliation against me.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I returned my vehicle at the end of my lease on XX/XX/23 with all lease payments up to date. On XX/XX/23 GM Financial sent me a bill for the excess wear and disposition fees upon " termination of lease ''. This means that the lease was terminated on XX/XX/23 when the vehicle was returned. At that time I disputed the wear and tear charges and was waiting for GM Financial to get back to me with a response. Instead they sent me another bill with the same charges 30 days later with no response to the dispute. They then began to report the account as 30 days past due to the Credit Bureaus which negatively impacted my credit. This additional bill at the end of the lease was not credit that was extended to me and as such should not be reported to the credit bureaus. The negative remarks should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i investigated Experian 's credit scoring statistics from consumer reported data bases, AI analysis, and from my own data and determined that Experian is scoring consumers credit worthiness using statuc algorithms prohibited by federal credit and discrimination laws. Experian is artificially keeping credit score lows of persons whose credit worthiness is not deserving of the low scores assigned, simulateously inflating scores of persons with higher risk based on prohibited factors. Experian 's actions injure and harm both the creditors relying on their assessment of true credit worthiness and the consumers. Experian also manipulates credit worthiness scores of consumers in order to up-sell credit products to consumers and also to obtain access to consumers ' bank accounts and credit transactions, which Experian sells to corporations, governments and other entities which compromise consumers identity, privacy without informed consent, circumventing other federal laws, including privacy laws. Experian is engaging in unfair and deceptive trade practices and scamming consumers. i have asked Experian to refund all monies collected from me, and to Cease and Decist manipulating my credit score.i have included an example : XX/XX/2023 score was XXXX. XX/XX/2023 score dropped to 691n and remained at 691. comparing these 2 reports, there is no justification for this drop compared to consumers with equivalent credit history as mine. Experian is manipulating my score in order to obtain payment for Experian products and to get me to sign up for Experian XXXX, which gives them access to my financial 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 explanation
Consumer complaint received 2023-05-16 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XXXX XX/XX/2022, {$590.00} worth of fraudulent charges were made on my TD Bank Visa card. No verification attempt was made by the recipient ( XXXX AA ), as the name given was not the name that goes with the card. I disputed the fraudulent charges and received a waiver of the charges on XX/XX/2022 ( attached ). But then they reversed that decision arbitrarily, based on no evidence. Furthermore, I have used this XXXX for well over a decade with zero history of anything but complete honesty ; I don't know how could have been any more of a model customer. TD Bank arbitrarily decided to steal that {$590.00} from me. 

Furthermore, when I spent a couple of hours on the phone attempting to get some kind of answers, they resubmitted it to investigation with the promise that I would get an answer within 6 months. No answer came and I called again, going through another 45 min. on the phone to get someone to promise I would get an answer within 10 days. That answer never came either. TD Bank has been horrible to deal with, both in terms of dishonesty and difficulty of finding anyone to talk to. It took me a half hour on the phone today to cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

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 2023-05-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX Experian continue to delay their investigations into my credit file. I have sent letters via certified mail ( through online certified mail ) with copies of my passport, driver 's license, social security card XXXX XXXX XXXX to confirm my identity and they continue to send me canned letters stating they do not believe I am the one requesting the investigation. This delays the investigation and takes the investigation beyond 60 days.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc.
State: TX

Complaint narrative:
I used my XXXX card to pay for a {$200.00} hotel room deposit, which was supposed to be refunded to my card after five to seven days. It's been ten days, and the money still has not been deposited back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I dont recognize these inquiries. Remove them immediately. THey are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have no permissable use and according FCRA need to be removed immediately. I will sue if they arent not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

Company response to consumer: Closed with explanation