vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Hello, XX/XX/XXXX : I secured a line of credit with Fortiva for cosmetic treatments ( www.myfortiva.com ). 
I was told if I paid in full by XX/XX/XXXX, there would be no interest or fees. I proceeded based on that promise. 

XX/XX/XXXX : I paid the account in full for {$4100.00} & received a confirmation of the payment via email. 

XX/XX/XXXX : I received a text that my payment was late, a {$30.00} fee was assessed. Confused, I logged in online to discover my payment was rejected. First I checked with my bank ( XXXX ), they said none of my payments had been returned & confirmed adequate funds available to cover the expense. Second, I used the chat feature to find out what was wrong ( chat history attached ). First they said the payment didn't go through. Then it was fraud. They couldn't help via chat & gave me a number to call to speak with a specialist. I called, XXXX, twice & got no answer & left a message. 

XX/XX/XXXX : I received an email. Basically saying they suspected fraud ( on a bill I'm trying to pay mind you ). I needed to wait 10 days for a suspension to be removed ( meaning I can't pay the bill ). 

XX/XX/XXXX : I received another statement showing additional fees. I called again & was given the run around about 10 days to wait. 

XX/XX/XXXX : I called again, insisted on speaking with supervisors. I was " disconnected '' twice, told the suspension would be removed, I could pay partial but not all, on & on, finally told a supervisor would call me back. I did try making the partial payment & was still given an error message as the suspension is still active, even after verification of my identity & ability to us the debit card on the same account. 

I have NEVER once received a call back I was NEVER notified of suspected fraud causing issues with my payment. 

If they can text & email every notification, then why is it they never notified me of the rejected payment? THEY are the ones who are fraudulent & predatory by intentionally creating barriers to payment in order to charge bogus fees. 

I'm happy to pay my legitimate balance owed of {$4100.00}. 
I'm asking to do so with all fees & interest removed ( {$130.00} now ) & any negative credit reporting is expunged. No one at the company seems to be able to speak with me to resolve this as I keep getting bounced around or told to wait ( for what Im still not sure as Ive provided proof of my identity ). Meanwhile they continue to add fees to my account while they ignore my desire to pay off the debt. 

Thank you for the help & for warning others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: IL

Complaint narrative:
In Accordance with this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account XXXX : XXXX XXXX XXXX  Account NumberXXXX  Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believ that the information is innacurate.

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 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
Ive called this company multiple times about the incorrect debt on my credit report and they will not respond and when they did they were rude like they were right and I was wrong ( also I have proof but they didnt care ) Ive even contacted the apartment complex and they even emailed them the correct information twice and they still wont respond or budge for them its messing up my credit with this false information and I cant even go into a payment plan with them to start paying off some of the debt I owe because they wont listen to me or the apartment complex about the right amount to change my debt too its really messed up and frustrating at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-23 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-23 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: IL

Complaint narrative:
In Accordance with this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account Name4 : XXXX XXXX XXXX Account Number4:XXXX Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX  XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believ that the information is innacurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: CORELOGIC INC
State: VA

Complaint narrative:
I didn't give this company permission to run my credit 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 2023-06-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I would like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from 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 non-monetary relief
Consumer complaint received 2023-06-23 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: TN

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.

Complaint narrative:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2023-06-23 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi failed to properly adjudicate a disputed transaction. Citi is requesting information that is not available or not relevant. Customer service not competent to understand the nature of dispute, keep sending non relevant forms to fill out and fax back.

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 2023-06-23 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX 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 2023-06-23 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: NC

Complaint narrative:
I contacted equifax on XX/XX/XXXX at XXXX XXXX  about several inquiries that was on my credit report that I did not authorized I have contact the companies and try to get them to remove them but they said equifax wouldnt allow them to dispute it, I would have to call equifax myself and dispute it. I called equifax to try to dispute and they told me thats not a processed allowed in their systems. That they would have to call off on their own in 2 to 3 years. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, Used XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX By mail only XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX Business Type : All Banks XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had transferred {$2900.00} from my chase account to my chime account and they had froze my account with my funds in there, Ive sent every proof of document,, they are saying i have an account ending in XXXX but my account ends in 1975. XXXX verified i only had XXXX account open with them. I tried to XXXX way to tell them but instead chime told me they cant do anything because of the support team i had to email them. Also chase couldnt email me confidential information but they had assisted on being on the phone and verifying with them i do have XXXX account. But for some reason chime keeps telling me i got to send in documents that Ive been sent in. I havent used the account in a while but i feel as it dont matter if i havent used it in a while its in my name and also my chase wouldnt have linked to my account If i didnt verify it through and also on my chase account it shows my chime is active but chime is acting as if Im not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: AR

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX  Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.

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 2023-06-23 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Untimely response