vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank N.A. has charge me a disputed late fee that started at {$26.00} and has grown to {$320.00} as of today, XX/XX/XXXX. I feel that I paid my bill on time on XX/XX/XXXX. It took 5 days to process this payment on XX/XX/XXXX and I feel that it was paid on time by me thru bill pay from my bank. I cancelled my account on XX/XX/XXXX because of this problem. I have contacted this bank by telephone and written information requesting that they were doing me wrong by wanting to charge me a late fee for this transaction. My XXXX SCORE has dropped from XXXX to XXXX due to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CA

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 2022-06-17 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: GA

Complaint narrative:
I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and Equifax are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} Equifax reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX acct # XXXX XXXX XXXX Account # 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 consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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:
I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and XXXX are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} XXXX reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX  acct # XXXX XXXX XXXX Account # 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 consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.

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 2022-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: IN

Complaint narrative:
This company has made no attempt at contacting me other than rotating this supposed charge that should have been submitted to the Veterans Administration for payment due to being covered by VA Seltect at the time of the treatment. Instead of the hospital following up with the VA for payment they submitted it to collections. The current holder has made no effort to collect. They however closed the account on the XX/XX/XXXX and then reopened it via XXXX and XXXX, with the express purpose of destroying my credit. My credit just moved from a XXXX to a XXXX due to them " reselling '' or reopening the account is not a fair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
I disputed a bankruptcy with Experian asking them to verify who reported it to them and gave them the letter from the courthouse that clearly states that they do not report that to ANY credit bureau. They responded to the supposed investigation that they verified it to be accurately reported by that courthouse, but how can that be accurate if the courthouse doesn't report that information. Experian has either made a big mistake or is lying about that information being reported by the court. Either way it is incorrect and illegal to report according to the FCRA codes 15 USC 1681 602A which states that I have the right to privacy, 15 USC 1681 604A Sec2 which states A consumer reporting agency shall not furnish an account without my written consent and instructions. 15USC 1681s-2a1 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 believe that the information is inaccurate.

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 2022-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I saw two inaccurate collections about medical bills that I dont recognize on my XXXX XXXXredit monitoring service. Ive been trying to dispute and they dont want to delete even though these two dont belong to me. 

It says it was open on XXXX of XXXX and also says it was almost 7 years ago. 

Those two collections are : Lockhart, Morris & Mont Amount : XXXX And the other one from the same company in the amount of : XXXX. 

I was a victim of Identity Theft around this time. This company is NOT showing a validation of the debt and XXXX doesnt want to delete and doesnt let me to dispute it. 

I found this abusive and its affecting my credit for more than 100 points. 

Please help! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
Its over month now and I am calling customer services number ( XXXX ) day and night from XXXX till XXXX  everyday continuously and no one is picking the phone. My funds are hostaged by the bank and I am am able to add external bank account of mine to transfer money or pay bills online. I had tried every discover number and they keep telling me to call only ( XXXX ) to resolve this issue, however no one is answering on this umber and music keep going on for 2-3 hours and then call gets disconnected. 

please please assist me from this fraud bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DFC Global Corp.
State: FL

Complaint narrative:
I have a debt that I owed to a company called the Check Cashing Store. They have sold my personal information to various debt collection companies and now I am getting calls from somewhere named XXXX. The phone number they call me from is ( XXXX ) XXXX. They call me constantly I had to block them and they leave me abusive voicemails stating they will get my job involved. They threaten me and have harassing tones. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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 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 604 A Section 2 : It also stated 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 2022-06-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Where do I start during the pandemic I was issued a prepared debit card for unemploymet.I in XXXX opened XXXX claims.both claims were around the same time which. One claim was honored and one was not The excuses they told me why was because to much time had passed by .and I'm responsible for the unauthorized transactions.I have a big problem with this .being that one was already honored .so they re opened the claim they requested me to fax them a copy of my driver licence, a police report, and a letter of me explaining what had happened so I did all that for them .in order to help with their investigation.it is now almost going into XXXXand I can't tell you how many times I have reopened this claim.their excuses for not honoring my claim have no merit.because the other one was honored.and let me tell you that I was unaware and unable to ever see my online account because bank of america was constantly having my account frozen.passwords were not working it was so traumatizing for me at that time I I had become XXXX  it was winter I had no heat in my rv.because I was unable to have any access to my account.to get money for gas to run my generator.my parrots almost died for days I cryed please god let them turn my money back on to survive during this dezaster .they even laughed at me on the phone explaining my sufferiing.I just get the runaround.good greef. This is so not fair sincerely 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 2022-06-18 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Finance 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 2022-06-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Finance 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CA

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 non-monetary relief
Consumer complaint received 2022-06-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have a American Express Bluebird debit card. There was a small balance on the card roughly {$30.00}. My XXXX passed. His pension plan sent out a one time death benefit. I used the American Express Checking account banking number and routing number to receive it. In Friday XX/XX/XXXX I started using the card again. The first was with XXXX XXXX XXXX. Then another at XXXX. The NEXT day, I was staying at a XXXX  XXXX in XXXX. I logged into my account. There was {$2500.00} missing! I immediately called card. We tried to cancel the money service transaction. We couldn't. It was completed. I tried to cancel it obviously because I did not do it!! So, the dispute was opened. They've closed it now. So, SOMEONE somehow, went into my Bluebird account, sent money to a XXXX, someone HAD to use ID to pick it up. And I'm not being refunded. I did NOT initiate the money service. I did NOT pick it up, and have no clue who did! They have to be on camera and they had to show ID. I've authorized none of this and they won't refund monies. It was {$2500.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation