vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: MD

Complaint narrative:
On XX/XX/22, I received a call from Citibank asking if I used my credit card at XXXX XXXX for {$1500.00} and XXXX as well as XXXX for {$15.00}. I immediately told them that I was at home and no I did not use the card as well as I am not a member of XXXX. They asked me if I had the card. I checked and found it put away in my house. I explained at that time that the card was expiring and I had received an email from Citibank stating that I should already have or soon would be receiving the updated expiration card. I never received the new card. Ive explained to Citibank on several occasions that I never received the card. Nonetheless they said I was responsible for the purchases because an actual card was used. I have made police reports to XXXX XXXX, MD and XXXX XXXX XXXX, MD police. I wrote a letter back to Citibank Security Services explaining once again that I did not buy those items from XXXX  and XXXX I offered to do whatever is necessary to prove that to them including taking a lie detector test. I told them where I was on XX/XX/22. I implored them to take a look at the issue again and see that for several years Ive only had one recurring charge on this card that has always been paid in total monthly. Im being inundated with phone calls, texts and emails asking for payment and Citibank has put it on my credit that I have an overdue bill. My credit score that was always in the 800s is now down XXXX points. I pay my bills in full every month and have my whole life. I would never refuse to pay for any item I actually bought. I did not purchase anything from XXXX  or XXXX. Citibank Security is not responding back to me. Around this same time, someone else tried to open an account at XXXX XXXX XXXX XXXX in my name. It was found to be 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 monetary relief
Consumer complaint received 2022-06-24 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: PR

Complaint narrative:
The company is reporting late paiments and i never paid late. The account they reportin late paiments is XXXX XXXX XXXX XXXX of the account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Someone rented an apartment in XXXX XXXX XXXX in Rhode Island using my SSN on XX/XX/XXXX and owe balance of XXXX XXXX Pro Collect Inc report a collection debt on my credit history on XX/XX/XXXX which impacted my credit history. I called Pro Collect Inc and tried to tell them I didnt owe this money but they are not accepting it and asking me to pay money. 

Pro Collect Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas - XXXX Pro Collect Confirmation No : XXXX Agent with whom I spoke with COntact No - XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
I sent my first round of dispute letters to each credit reporting agency in XXXX of XXXX  stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of XXXX  along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, TU ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

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 2022-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent my first round of dispute letters to each credit reporting agency in XXXX of 2022 stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of 2022 along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, XXXX  ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by Crypto scammers through a company called XXXX XXXX. I wired a total of XXXX in increments of XXXX to a Bank of America account under the name of XXXX XXXX XXXX The funds were successfully sent on XXXX, and XX/XX/XXXX. I filed an initial recall with my bank, XXXX, on XX/XX/XXXX. When I heard nothing back, I reported it again on XXXX XXXX. On XX/XX/XXXX, I received feedback that Bank of America could not reach the account holder, and I should contact authorities. Bank of America is fully aware of the suspicious activities of the account as I have presented contracts to them as proof. However, they are not willing to do anything to help me recover my 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 2022-06-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to transunion by online and mail. They have an account from XXXX  XXXX auto that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to 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 non-monetary relief
Consumer complaint received 2022-06-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The consumer has been banking with JP Morgan Chase since XX/XX/XXXX. I few weeks ago the consumer received a text alert of an amount pending for {$2200.00}. The consumer contacted the customer service depart to inquire about the charge but was holding for significant amount of time. However, an agent answered and try to rectify the situation. Additionally, another charge of {$100.00} was not authorized by the consumer. However, Chase associates gave the entity XXXX the new debit card that was issued to the consumer around a few months back. When the consumer asked how the entity XXXX got ahold of the consumer new debit card credentials, the agent stated we do that all the time. That was a fictitious obligation which the consumer was not liable for. To make matters worse JP Morgan also participated in garnishment of the consumer account, then charged the consumer {$100.00} in violation of 15 usc 1692i. Chase is now acting as a debt collector by acting on behalf of an attorney who is in violation of 15 usc 1692e ( 3 ). Whereas the consumer did not consent to be sued by any attorney. There is no warrant of Attorney attached authorizing another to act on the grantors behalf. Whereas JP Morgan Chase has violated the FDCPA, and 15 usc 1673. Additionally, acting as a debt collector without any license from the State of Georgia to collect obligations of the United Sates. The alleged " debt '' from back in XXXX which has passed the statute of limitations. JP Morgan is complicit in divulging the consumer 's information in violation of the privacy Act. This action by chase has caused a detrimental effect on the consumer. The actions of Chase have prevented the consumer from acquiring a home due to adverse reporting which is illegal under 12 cfr 226.13 resolution 27. The court action was supposedly held without the consent of the consumer in violation of Rule 73a. JP Morgan Chase is using false and misleading business practices, by not giving the consumer full disclosure on opening an account with them ; they are operating with unclean hands. JP Morgan Chase is acting as designee for the consumer without full disclosure. At no point in time did the consumer agree to appoint any agent to act in a fiduciary representative manner for the consumer/ beneficiary of the account. This is a blatant breach of privacy whereas the social security number of the consumer was not redacted on the publicly accessible document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: NY

Complaint narrative:
Sent transunion a letter in XXXX asking clarification on an account and was never sent. They're reporting personal information. Something needs to be done before legal action is adviced.

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 2022-06-24 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 XX/XX/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 M XX/XX/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 XX/XX/XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX : XXXX XX/XX/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 XX/XX/XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC
State: NY

Complaint narrative:
I got my credit repair account with Credit Saint XX/XX/XXXX. I was not charged until XX/XX/XXXX. Throughout my tenure with this company I was actively reviewing the progress that was being made on my account. I saw that multiple removals were being made so I decided to stay with this agency as it seemed they were making great progress. It wasn't until I decided to comb through my credit report in XXXX of XXXX ( after 8 months with Credit Saint ) that I realized that majority of the " removals '' they were reporting to my account weren't actually being removed from my credit reports. I called, and spoke to the representatives and they told me they would conduct an audit of my account so I could get a more accurate reporting and they would call back with my results in 2-3 days. They never called back. I went into my client portal and they updated my account with the accurate reporting from the audit, and to my surprise majority of the " removals '' they reported had not actually been removed. I called Credit Saint to cancel my service immediately on XX/XX/XXXX, and they told me that I didn't qualify for any refunds ( even though they mislead me for months on the productivity of their services ) I fought back and they ended up granting me their 3 month guarantee refund as well as my last payment that they deducted from my bank account resulting in 4 months of my money returned. I also learned that they are suppose to conduct a monthly audit on their end to ensure they are reporting accurate information to their customers and that they " dropped the ball on my account, and will do an internal investigation to make sure this doesn't happen to future customers ''. Fast forward to 15 days after the " refund '' and still no money in my account. I called my bank to see what the hold up was and they confirmed that they never received a refund from Credit Saint. I call Credit Saint with this information, and they told me its the banks fault and that they issued the refund on the XXXX of XXXX. I have receipts stating that they refunded me on the XXXX as well. After fighting back I learn that they didn't actually issue any refund. I gave them my information yet again, but as of now I have not received anything from Credit Saint in my account. -I was mislead with the productivity of my account. - I was told verbatim from the higher ups that they dropped the ball are reported false information for the entire time I was their client -Im not sure if any work was done prior to them charging me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 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: KY

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In according with the fair credit reporting act, the above accounts stated above has violated my rights according to 15 USC section 1681. Which state a consumer reporting agency can not furnish any information on my credit report without my written consent.

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