vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: Kinum, Inc., Indianapolis, IN Branch
State: MD

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX XXXX on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.

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 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: City Enterprises, LLC
State: TN

Complaint narrative:
I XXXX XXXX XXXX a certified/registered letter on XX/XX/2022 requesting all paperwork in regards to my account. I would like the loan contract and application that was submitted for car. I also request alleged information that is being reported on my credit report. I'm showing {$9.00}, I would like to know how this about was computed. As a right of mines I would like this alleged information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : please see attached documents

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 2022-06-14 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:
I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX XXXXXXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N

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 2022-06-14 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: TX

Complaint narrative:
I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX  XXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX /Southwest Credit System reported a debt of {$300.00} owed to XXXX XXXX and XXXX. The debt is not owed by me. I have no knowlege of such debt. XXXX/Southwest Credit system failed to contact me prior to putting this on my credit reports. As such, it has failed to follow the Fair Credit Reporting Guidelines. Please delete it from my credit files,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I havent been able to access my citi account for XXXX MONTHS. All they call about is getting my minimum payment, but when I try to get access to my account again it is ENDLESS transfers and holds. 
I can NEVER get anyone from the USA on the phone, anything I ask besides their script gets IGNORED. 
WORST. COMPANY. EVER. 
And then today ( XX/XX/2022 ) I get a voicemail from them, call back ( which takes XXXX min to even get connected ) to which point the person is asking ME why Im calling and when I mention that YALL CALLED ME, I get put on hold. Still am on hold. 
IVE WASTED SOO MUCH TIME

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 2022-06-14 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 the Fair Credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish an 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 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I called the National credit audit CO. And spoke to XXXX XXXX time, she was extremely rude and disrespectful towards me. When I asked for a manager she put me on a hold for 5 minutes and came back and said " no manager is there to talk to me ''. She was mildly rude to me when I was talking about my debt collection. When I asked when will a manager be in she said " I don't know they could be here or they might be on break '' when I called right when they opened. I then had a friend call and ask for a manager to see if she would treat them different and XXXX answered and wouldn't transfer the call to anyone. I have been trying to speak to someone else and she will not transfer me.I have also asked for documentation of my collection and she will not send it, I have also asked for a settlement agreement statement and she refused to send me one in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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  Account # 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 states a consumer reporting agency can not furnish an 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 2022-06-14 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 the Fair Credit Reporting act XXXX  Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXXCaine & Weiner reported to XXXX, and XXXX a debt of {$700.00}. I am unaware of such debt. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. It failed to follow the Fair Credit Reporting act prior to report such to the credit bureaus. Please delete the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The following account is a result of identity thief and FRAUD ...... I have already filed a dispute with the 3 major credit bureaus, the following account WEST LAKE FIN ACCOUNT NOXXXX IS A FRAUD AND MUST BE DELETED IMMEDIATELY. Pursuant to 15 U.S.C. 1681 SCTION 602 A States I have the right to privacy .... Also it states under 1681 section 604 A section 2 : that a consumer reporting agency can not furnish an account without my written instruction...

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 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been a loyal customer of Bank of Americas for over 20 years. Yesterday, I went into the branch to cash a check and was told by a representative that funds would not be available until the next day. Later in the day, I deposited the check via the mobile app. Upon making the mobile deposit, a notice appeared on the screen saying that {$250.00} of the check would be available the next day and the remainder of the check would be available the day after that. It asked if I would like to proceed and I clicked yes. To my surprise, I checked my account the next day to learn that the check was now being held until XX/XX/XXXX. Roughly two weeks later. Similarly, I deposited two {$500.00} money orders within the last month and they both were held in excess of two weeks. I always thought that money orders were as good as cash. Its mind-boggeling how these checks and money orders are being held for excessively long periods of time on my accounts and this just became the case. In the past, I could walk in and cash checks or deposit for next day availability. I have in excess of {$6000.00} being direct deposited monthly. I do not feel like a valued customer and I do not know of any other bank falsely advertising holds on checks and changing the dates once the checks have been deposited. I am strongly considering ending my banking relationship with Bank of America. Debits have been denied due to these holds and its costing me fees due to these transactions being denied because Bank of Americas hold. With all the modern technology of todays society, I dont understand why it takes two to three weeks to clear a check besides cause undue hardship.

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 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit acceptance reported to the credit bureau that a debt of {$21000.00} is owed. The debt is not owed by me. First the credit reported it closed, then open. The creditor failed to contact me prior to reporting such derogatory information to the credit bureaus. As such, it failed to follow the Fair Credit Reporting Act. Please delete the item from the 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 2022-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have a credit card with Forever21. It is past due, and I am now aware. I plan to make payments soon. 

Commmenity bank called me 9 times yesterday XX/XX/22. They called me 7 times today. I also got one call from a private number on both of those days and I believe it is from them as well Also : their website is highly unethical. Say you log into your online account to see when your bill is due. If you check within a few days to a week before your bill is ACTUALLY due, the website will instead tell you when the due date of the NEXT billing cycle is. If you check TOO CLOSE to your due date, IT WILL NOT TELL YOU THAT ACTUAL, SOONEST UPCOMING DUE DATE. This is what it did to me. I logged in, thought my bill was due a month out, and didn't make a payment. Next thing I know I'm getting repeated calls. HOURLY. Not only are they harassing me about it, it's a scam to begin with. I should not have to pay any late fees and my credit score should not be affected due to their trickery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXXPortfolio reported to all three credit bureaus that a debt of {$650.00} is owed. I have no knowledge of owing such debt. It failed to contact me prior to reporting such derogatory remarks to all three credit bureaus. The creditor failed to follow the Fair Credit Reporting Act. Please delete the item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and card payments in the total amount of XXXX USD

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 2022-06-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Equifax. Equifax is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2020, XX/XX/2020. If these inquiries are not removed, I will hold Equifax criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Equifax can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished along with a letter from XXXX XXXX XXXX stating they are unable to remove inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TN

Complaint narrative:
I am writing in reference to XXXX Account # XXXX. XXXX was able to remove this account. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding, LLC/XXXX XXXX reported to all three credit bureaus that {$1200.00} is owed. I am not aware of such debt being owed. The creditor failed to contact me prior to reporting such derogatory information to all three credit bureaus. As such, it failed to follow the guidelines of Fair Credit Reporting Act. Please delete the item from all three credit bureaus.

Company response to consumer: Closed with explanation