vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-09-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, Citibank subtracted from my account {$2500.00}. The entry on by Citibank statement stated : " Return of Unpaid Deposited Check. '' I complained to Citibank that I did not have any {$2500.00} credit for check deposited into my account so how can this mysterious check be returned as " unpaid. '' Citibank provided me with a copy of an {$2500.00} check # XXXX dated XX/XX/XXXX drawn on an account of someone by the name " XXXX XXXX XXXX XXXX. '' The main point is that said check # XXXX does NOT appear as " deposited '' nor is there a {$2500.00} credit into my Citibank account at any time prior to XX/XX/XXXX. 

Since there was never a " credit '' of {$2500.00} into my account, the {$2500.00} subtracted on XX/XX/XXXX was my money alone and not Citibank 's money. 

Citibank continues to focus on some mysterious bounced check # XXXX, which check # XXXX may in fact have bounced in someone else 's account. However, since this check was never deposited into my bank account, how can Citibank remove my money to cover this check. 

My pleas to return my own money to me have been denied by Citibank

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 2020-09-11 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I contacted Santander around XXXX XXXX of XXXX  time frame and explained I was having a Hardship with a serious health condition. The agent said that my credit reporting would be changed to reflect me being current for XXXX and XXXX and they would add those payments to the end of my contract. I recently applied for a mortgage and found the that did not take place,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC.
State: ID

Complaint narrative:
I received a voicemail on XX/XX/2020 at XXXX XXXX  ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 ). I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my  brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received my bank card for Chime bank and called to activate my card. Chime is not safe at all nor do they adhere to FDIC regulations. There needs to be justice for me, to say the least. I have submitted multiple police reports : Incident # XXXX from XX/XX/XXXX ( the day I filed the dispute that was denied and the same day the {$920.00} unauthorized XXXX XXXX went through ). I was on the line with the dispute department when they told me that {$8400.00} was withdrawn from my account which was unauthorized. I filed a dispute on XX/XX/XXXX and on the exact same day I filed a dispute, Chime let another {$920.00} be withdrawn from my account by the same person who hacked my Chime account even though I called and verified my identity with Chime over the phone and spent about an hour on the phone with them going over all the unauthorized charges on my account. These charges include but are not limited to : XX/XX/XXXX XXXX {$920.00} to affluent {$35.00} XXXX to XXXX  XX/XX/XXXX XXXX $ XXXX they definitely need to investigate this charge. 
XX/XX/XXXX XXXX {$500.00} to XXXX  XX/XX/XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX   : XXXX {$560.00} -- This one I proceeded to call XXXX to investigate and they gave me an address in XXXX XXXX , Florida where this package was fraudulently sent using my card info and billing address. 
XX/XX/XXXX XXXXXXXX XXXX {$1600.00} - No idea how I could have a physical card in my possession and this charge could have gone through. 
XX/XX/XXXX XXXX {$70.00} and {$85.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX $ XXXX This is a very important charge because they would've needed to link a driver 's license to this app in order to book a room with XXXX and Chime looked over this information. 
XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$200.00} $ XXXX I have been trying to find the identity of who used my card on XXXX XXXX  to find the culprit but Chime has done nothing and refused to communicate with me because my email was hacked. Banks without actual live XXXX phone support or actual bank tellers shouldn't be legal. Chime is owned by XXXX and they aren't even a real bank. All that the frauds had to do was hack into my chime app and then they had access to all of my funds without my knowledge. Chime still owes me the {$920.00} remaining in my account that was supposed to mailed via check last month ( haven't received anything ). They refuse to recognize my email was hacked and they refuse to send or mail any supporting documentation as to why they denied my dispute that was obviously not me. I was in Arizona when these charges occurred and I have provided my flight ticket.Chime Bank has refused service and deserves to be sued. I have all the documentation. I am just collecting my information at this point in order to get the most retributionas possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I have a collection with this company that dates from XXXX, from a broken lease with the apartment complex. Upon moving from this complex, I did not receive a move out statement. Regardless, this went into collections with IQ international Data. I have called a couple of times to discuss this debt, however, each time I have been told that I am being charged interest on the debt. On XX/XX/XXXX, I spoke with an agent who explained to me that I am being charge a 6 % fee per annum. She read out the move out statement. I asked for this to be sent to me. I also questioned the interest being charged as I have never heard of something like this, and it just did not " seem right '' when I did not sign anything which made me aware of this interest, nor is this anything normal in tenant practice and was not within the lease agreement. The agent informed me that she was not sure as she is not from Texas. I understood, but asked to be sent some sort of proof of contract stating that I was aware of the interest being charged. She stated she does not have any contract stating such. I informed the agent I would have to contact someone regarding this issue as I never signed a contract agreeing to such things. I believe that the interest being charged is a violation of Texas Finance Code 392.303. which states that a debt collector may not use unfair or unconscionable means that employ collecting or attempting to collect interest or a charge, fee or expense incidental to the obligation unless the interest or incidental charge, fee or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. The company is unable to produce a signed contract which would prove that was made aware of such interest being charged to any balance owed to the original debtor if the term of the contract was not honored. Since they are not able to produce such proof, I am inclined to question where they are gathering that they have the legal right to charge such interest on a debt that is owed and has been placed into collections. In addition, I question if they have the legal right to charge on this debt until the amount is paid. This debt was not given as a " credit '' nor was I made aware upon contract signature of any interest being owed under the tenant contract. I am inclined to believe that the company is illegally charging interest without cause or justification and are reporting it on my credit monthly in order to coax me into paying for the debt. The amount being owed on my credit is not the original charge off amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX  XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: DISCOVER BANK
State: TX

Complaint narrative:
I have gone back and forth with Discover card since XX/XX/XXXX regarding a dispute for a gym manager that I can not use. They favor the merchant over the customer after plenty of supporting documentation was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: AL

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO 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 explanation
Consumer complaint received 2020-09-11 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: NV

Complaint narrative:
There are some accounts listed on my credit that isn't mine.

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 2020-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Leased a new vehicle from America Honda Finance. Made 36 out of 36 payments on time. Was billed for excessive end of life charges upon return.

Spoke to a representative who said they would investigate. Never heard back and was reported delinquent and saw my near perfect credit score of XXXX drop to XXXX in 2 months. 

Car was returned with less than half the allowable miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: AL

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO 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 explanation
Consumer complaint received 2020-09-11 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have an unverified account from the following companies : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.

Company response to consumer: Closed with explanation