vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Inquiries on my credit report that I have no knowledge of.

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 2023-10-10 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.

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 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
XXXX reported to the credit bureaus that I was a late pay when in fact they had collected the monies. I paid the loan off and asked them to close my account, which to this day has not been closed. I called today requesting them to close the account and was told I had to wait thirty more days, from previous dealings with this bank they tend to add more charges every thirty days. I want this account closed before the bank thinks they can continue to charge me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've tried to fix my personal information upon my file from experian. I've sent several disputes for them to correct my information and still I notice no change to my credit report. I only have one name and one address. Reporting inaccurate information after put on notice is a violation. As well as reporting incorrect information knowingly under 15 usc 1681.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2021 I returned a toy from XXXX which cost me {$81.00}, XXXX refuned to AFFIRM {$45.00}, therefore I only owed {$36.00}. XXXX  contact me months later to indicate I owed {$81.00}, which I disputed. I attach all the emails and the price I paid for the toy showing the refund from XXXX. Affirm refuses to remove the bad credit off my credit report, I only owe {$36.00} that I will be most happy to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The account is showing as negative/late payments. The Wells Fargo Credit Card account has been paid for and closed.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I coordinated a group trip and purchased ( XXXX rooms ) an all-inclusive vacation through XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a travel agency in the United States contracted to book as a representative of the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The dates of stay were XXXX XX/XX/23. My package included unlimited food & drink/ premium alcohol and numerous hotel amenities as a Delux Privilege guest, which I did not receive. XXXX  XXXX XXXX stopped all communication on XX/XX/23. Therefore, I refuted the cost with my credit company and was denied credit without explaining the services rendered. 

My complaint is to have the charge versed for an upcharge of non-existent privilege amenities, sewerage back-up and smell, lack of a/c, no room service, and non-use of the room due to the weather conditions. Additionally, I was relocated after 5 days of complaining to another room, which flooded twice, had drain flies and an ant infestation. 
The agent language provided after I paid does not absolve the merchant from delivering a paid service and keeping funds.

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 2023-10-10 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.

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 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
On XX/XX/ I reached out to start negotiations to settle charge off, on XX/XX/ I received a response and was offered a payment plan I accepted. Took a couple days to set up and was imminently charged via my XXXX for the first installment of the payment of 3. I reached out to the person that was emailing me to get a copy of the documents signed for my records. On XX/XX/ I received and email saying I chose the wrong settlement however I was given 2 options, and they stated that I should of paid more attention to the documents as they dont have copies of what was signed. 

I dont feel this is the complete truth due to the fact that they wanted me to take a different amount, and dont want to honor the contract signed for 3 installments to settle chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I received an email the XXXX XXXX telling me someone was trying to get in my account.I call the bank and tell it was not me and not to let anybody change my information and this happened at XXXX XXXX  the scammer call them and they only verified my name, data of birth and my ss and not security code at the back of my card.The scammer get in my account after I report the issue and get in my account with out the right information and the customer service did not follow the note they suppose to do to secure my account and it been 10 day with out my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Status of car loan account is listed as ( past due XXXX days ) ..four different times. No payment has been paid late. Called car loan company who confirms payments were on time. American Honda stated to have the issue fixed I needed to download a XXXX XXXX app and make a dispute. I have done this on several apps and have not seen any change on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

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 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
During the first week of XX/XX/XXXX my wife spoke to someone at Sequim regarding an acct for XXXX XXXX. My wife stated we can make small monthly payments and made a {$25.00} payment in good faith. On XX/XX/XXXX I received a call from Sequim and had my wife call them back on my behalf. My wife requested a mailed statement from Sequim and the Sequim rep stated one was mailed in XXXX and one mailed on XX/XX/XXXX. We have not received any statements in the mail and when my wife again requested a mailed statement the Sequim rep said we can get this info online. My wife then told the rep we agreed to a {$50.00} payment on XX/XX/XXXX. The rep stated there was no agreement in their system. My wife asked for a detailed accounting of how the total balance Sequim is claiming is owed is made up and Sequim stated they can not provide that. My wife then hung up and sent an email disputing this debt as the amount is more that the last XXXX bill, we asked for the name of the creditor, the acct number and an itemization of the current amount of the debt that reflects interest, fees and payments made to date. Sequim responded by saying " Thank you for reaching out to us about your account. Attached please find for your review supporting documentation concerning the debt. If your questions concerning this debt have been resolved, you may visit www.sequium.com to make a payment using your debit/credit card or checking account. Please feel free to reach out to us if you need additional payment options. '' Sequim attached XXXX XXXX statements for XXXX - XX/XX/XXXX. The XXXX statement shows a balance of {$1500.00} and the XXXX statement shows a balance of {$1200.00}. Sequim shows an account balance of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
In XX/XX/2022, Citi said my account had no transactions in the XXXX  months prior and froze/deactivated my account. 

In XXXX I was told to mail in a signed letter or go to a local branch. I am not currently in the USA, so I mailed in the letter, exactly as they requested. They DID NOT request for the letter to be notarized/apostilled. 

The letter was sent on XX/XX/XXXX. 
I was informed by the carrier that the letter was delivered on XX/XX/XXXX. 
I called at least once each month in XXXX, XXXX, XXXX and XXXX to see if the letter had been received by the correct department. 

In XXXX I was informed that the letter arrived on the XXXX and was being redirected to the responsible department in XXXX XXXX. 

I was informed by XXXX attendants that the letter was received correctly and that the account should be reactivated within XXXX  days. 

I kept on calling to get updates until I was told that I had to mail in a notarized letter. After inquiring as to why, the attendant told me the letter had to go through the Consulate to have my signature verified. 

I am too far from the consulate, already spent over {$20.00} to mail in the letter. I have over {$2000.00} which is costing me over {$10.00} per month as I want to move the money to an account with a 5 % yield. 

Its been a TERRIBLE experience and I have been misinformed and mistreated by Citi. 

I request either for my account to be reactivated or for the funds to be sent to another account under my name and Social Security and for my account to be closed. 

I tried for over XXXX  months to have my account reactivated directly with Citi, which turned out to be impossible. 

Thank you. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Contacted Midland Credit after XXXX  the phone number that called me ( XXXX ) XXXX, to determine who was calling me. I asked them who they were and they said that it was a personal matter and asked me to verify my social security number. I give that out to unknown person over the phone ; and let them know that. I asked why they were calling me and then started the barrage of threats to settle my debt immediately or I would face grace consequences from my employer being contacted, to papers being filed by XXXX today at court which could result in anything from my wages being garnished up to my imprisonment. I then explained that I have a very poor credit and have for many years and don't even apply for credit let alone have any to have defaulted on. I asked for proof the debt was mine by way of the application and signature, and any other supporting documents. I was just told to settle my debt by XXXX today. When I again said that the debt could not be mine, I was read the phone number and " my '' account number and advised to call by XXXX to make arrangements before bad things start to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/16 several transactions were displayed with wrong payee information such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported out to Wells Fargo. 
They stopped payments however it was a technical issue on their end and still stopped. 
Payments looked paid and then Disappeared Payment was wrong Multiple calls to correct and still an issue in XXXX. I made a payment in XXXX and they stopped it again Ive asked to start payments Payments will show as paid and then disappear Its causing issues with car payments and electric being charged fees etc and need to be reimbursed

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