vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have filed a transaction dispute with CitiBank for the case where I returned the item to the merchant and the merchant did not refund the money back to my credit card. 
Citi Reference Number : XXXX for the dispute XXXX I opened with XXXX vendor in XX/XX/2023 for the amount of {$3900.00} despite. 

I have provided all required documentation to CitiBank that the device was returned within the return period in compliance with return policy. CitiBank did not even attempt to resolve the dispute and just informed me that the merchant is not willing to credit back the money to my credit card. CitiBank did not protect my rights as the client, disregarded all submitted proof and did not hold the merchant accountable for dishonest and fraudulent behavior!!!! It seems that no one at CitiBank even went through the documentation and relied on the merchant unwillingness to refund the money back, which is illegal as per the terms and conditions of the credit card! I request CitiBank to hold the merchant accountable and debit the full amount back to my credit card, which the bank should comply with.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$6000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$500.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX Collection {$300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$300.00} XXXX XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} Federal XXXX Bankruptcy {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00}

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 2023-09-27 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

Name incorrect : XXXX XXXX XXXX XXXX XXXX Current addresses incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that no recognize : 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 incorrect accounts : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$320.00} Date XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Balance : {$730.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

Name incorrect : XXXX XXXX XXXX XXXX XXXX Current addresses incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries that no recognize : 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 incorrect accounts : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$320.00} Date XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Balance : {$730.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$730.00} Date Opened : 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX account number : XXXX number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 



These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to by my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
We received a public email today showing our home being in pre-foreclosure. I have no knowledge of this matter and even contacted my mortgage company ( XXXX ) and asked if my loan had a second attached to it and was told no and that we are in excellent rating no missing payments. The trustee I guess representing the bank filed this pre-foreclosure and referenced a DEED OF TRUST signed in XXXX. We have never been notified regarding a default and thus never thought we had any outstanding payments.The debt as such was being reported as account closed and ( " WRITTEN OFF ) BY XXXX XXXX XXXX Now there is a substitute trustee representing some company Specialized Loan Servicing LLC? / XXXX XXXX, ( out of business also ) We have never hear of this company or that we owe the {$73000.00}. We do not know who this is and we have never been contacted regarding this amount. The original loan was in XXXX and shortly afterward the company XXXX went out of business and we noticed that the second mortgage was listed as written off. It does not show on any of our credit reports and has not for quite awhile ( XXXX ). We never heard anything else.I am sure we are the victims of a XXXXXXXX XXXX since the equity in our home is now more than doubled. How do we stop this action and to my knowledge AZ has a statue of limitations of 6 years regarding contract mortgage debts after they reach the date of maturity ( XX/XX/XXXX ). How can someone just show up and say they have the authority to file for pre-foreclosure and even the primary loan company has no knowledge? We have had no previous contact with any of the companies listed in this complaint and there has never been any attempt to notify us of any impending action until the pre foreclosure notice. XXXX does have regulations regarding providing notice to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America neglected to pay the correct amount on my township taxes due XXXX. Upon receipt of a delinquent tax notice from my town I contacted the bank and they confirmed they underpaid. The delinquent amount of {$120.00} plus a small interest charge were paid out and the township confirmed receipt. My issue is that the bank paid the interest charge out of my escrow account instead of paying on their own as there or was 100 % theirs. I contacted them several times and they will not budge. I believe this may be a systemic problem and perhaps thousands of other customers may be unfairly charged as I was for the banks initiated errors.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have attempted to communicate with each company. To provide proper identity to prove that accounts are not a match. All companies ' agents are located offshoreissues must be delegated appropriately and resolved. Customer service could have been more cooperative in several attempts to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I contacted the companies first and allowed 30 days to provide me with the information I requested from the hard inquiry. Zero response from them so contacted Transunion, XXXX, and XXXX two months ago. XXXX and XXXX removed all the information and one collection account from my reports. Transunion has not removed the collection account XXXX thats medical records/debt thats not even mine. The collection agency stated on XXXX  they have removed this fraudulent account from all three credit bureaus. Transunion yet to remove this account and is hurting my ability to obtain lifesaving medical benefits for my life. Please delete immediately.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of identity theft, and the issue is that multiple fraudulent accounts were opened without my consent and authorization. As a matter of fact, for a very long time, I was unaware that these fraudulent accounts were reported on my credit report. After being notified about this issue, I contacted the credit bureaus and the creditors, including DISCOVER BANK. I informed them that I'd been an identity theft victim. DISCOVER BANK opened an account using my social security and personal information without my permission, and they needed to stop doing that. I told them DISCOVER BANK used my personal information without my consent ; they opened an account without my permission and required me to control and delete the bill because it was a FRAUDULENT account. I spoke with DISCOVER BANK 's fraud team and consumer affairs and with many supervisors, investigators, and executive fraud team members. They all try to deflect the fundamental issue of removing and disputing this account, and they want to blame me. The bill currently has an outstanding balance of {$1100.00}. However, I have told them I never opened the report, was never involved with this account, nor conducted any business with DISCOVER BANK. I do not use credit cards in general. DISCOVER BANK is violating my rights and reporting a fraudulent and derogatory account that does not belong to my credit report. I have been a victim of identity theft, and the history that DISCOVER BANK furnished was given to an identity thief, not me.

Company response to consumer: Closed with explanation