vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Company did not respond through the consumer Financial protection bureau portal and again is attempting to collect a debt that is not owed. 

Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) as amended by this Act, is amended by inserting after paragraph ( 6 ), the following new paragraph : " ( 7 ) NEGATIVE INFORMATION. " ( A ) NOTICE TO CONSUMER REQUIRED - IN GENERAL,- If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
* ( B ) TIME OF NOTICE* IN GENERAL. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
" ( C ) COORDINATION WITH OTHER DISCLOSURES.-The notice required under subparagraph ( A ) - " * may be included on or with any notice of default, any billing statement, or any other materials provided to the customer ; and ** ( i ) must be clear and conspicuous. " ( D ) MODEL DISCLOSURE DUTY OF BOARD TO PREPARE -- The Board shall prescribe a brief model disclosure a financial institution may use to comply with subparagraph ( A ), which shall not exceed XXXX words. " ( I ) USE OF MODEL NOT REQUIRED -No provision of this paragraph shall be construed as requiring a financial institution to use any model form prescribed by the Board. * ( ) COMPLIANCE USING MODEL A financial institution shall be deemed to be in compliance with subparagraph ( A ) if the financial institution uses any such model form prescribed by the Board, or the financial institution uses any such model form and rearranges its format. " ( F ) SAFE HARBOR A Financial institution shall not be liable for failure to perform the duties required by this paragraph " if, at the time of the failure. 
the financial institution maintained reasonable policies and procedures to comply with this

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 2022-04-08 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 sent letters to consumer reporting agencies ( XXXX, XXXX, EQUIFAX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent letters to consumer reporting agencies ( XXXX, EXPERIAN, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.

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 2022-04-08 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: PA

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

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: TX

Complaint narrative:
THESE ACCOUNTS DO NO BELONG TO ME, PLEASE BLOCK AND REMOVE ACCORDING TO 15 USC 1681C-2.

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2022 I used my Chase personal checking account card to make 2 {$500.00} payments through the XXXX XXXX in the total amount of {$1000.00} to XXXX XXXX the owner of XXXX, XXXX. She does XXXX XXXX services and I was paying for the service. The first payment of {$500.00} went through to her bank which she confirmed that she received and accepted the payment. The second {$500.00} payment that I sent out to XXXX did not go through and it was flagged by Chase bank as a fraudulent transaction. I reached out to Chase bank to complain about the transaction that did not go through and they temporarily gave me my {$500.00} back. Ten days later they wrote me saying they reversed the payment and took the money back. I am upset not only did they deny my transactions but I never received a the full product/service that i wanted from XXXX, XXXX and when I reached out to the owner XXXX refused to give me the product or a refund. This caused problems between myself and her because I took a chance at sending this lady the money and I barely know her. I am writing to you because I want a full refund of {$500.00} from Chase bank for this inconvenience. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Citi Double Cash Card.  I received my last statement balance on XX/XX/22. On XX/XX/22, I made a change to my AutoPay settings, and received a confirmation of this change via email. I checked the website as well and the new settings were visible. On XX/XX/22, an AutoPay amount was withdrawn inconsistent with the AutoPay settings change. On XX/XX/22, I asked the customer support agent why the amount withdrawn was inconsistent with the settings I have in place. After 45 minutes, the support agent said " it takes XXXX billing cycle to get change effective. '' In my opinion the terms suggest the change is immediate : " I authorize Citibank, N.A., to initiate electronic payments from my chosen bank account, and I authorize my bank to honor the withdrawal. 

This authority is for the amount and dates indicated, and is to remain in effect until cancelled by Citibank, N.A., my payment account financial institution, or me. I can cancel AutoPay by calling customer service or by visiting autopay.citicards.com before XXXX ET on the day of my AutoPay payment. '' Nowhere in the AutoPay website or confirmation email does it suggest the change is only effective on the next billing cycle. I have not found any documentation of this other than the support agent 's word.

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 2022-04-08 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: TX

Complaint narrative:
THESE ACCOUNTS DO NO BELONG TO ME, PLEASE BLOCK AND REMOVE ACCORDING TO 15 USC 1681C-2.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a court judgement awarding citibank monetary damages for a debt that I did not incur. I was not given any notice of this debts owed or debt collection. I believe that they have put a lien on property that was previously in my name but does not belong to me.

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 2022-04-08 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: TX

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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 2022-04-08 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: TX

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 XXXX 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 three 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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: WI

Complaint narrative:
Reached out to XXXX multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: NY

Complaint narrative:
I rented a car from XXXX XXXX XXXX in XX/XX/XXXX. I returned the car on XX/XX/XXXX and went over it with the agent at the airport and everything was fine and he gave me my receipt- there was no damage to the car. About a week later I received an email from XXXX asking me to file a damage report because there was damage to the car. I filled out the report stating that there was absolutely no damage to the car upon returning it. A few months later I received a bill for over {$800.00} for repairs. I emailed and called XXXX with no resolution. I asked for time stamped photos as well as where the car was from the time I dropped it off until they claimed there was damage and they refused to provide the information. They did send me a photo of a scratch on the car and then a bill for XXXX hours of labor and glass repair!!! Today I received a notice that they turned me in to collections for not paying their bill. The collections agency keeps calling me demanding payment. I explained that I was not paying because I did not damage the car. After searching the internet, I found that there is a class action lawsuit against XXXX for fraudulent damage claims as well as hundreds and hundreds of complaints from other consumers that have had the same type of fraud and sent to collections. I have attempted multiple times to contact XXXX XX/XX/XXXX claim department and I can not get a human. It is obvious that this is a common fraud scam by this company and now it has impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-08 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Application denied for cards not applied for : XX/XX/2022 -- Synchrony Bank -- application for XXXX XXXX card XX/XX/3033 -- Synchrony Bank -- application for Ashley Furniture card

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 2022-04-08 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: TX

Complaint narrative:
XXXX, Transunion and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX Fraud dispute number XXXX I also called XXXX and Transunion XX/XX/2022 and filed fraud claims as well XXXX is reporting XXXX hard inquires on my credit file and I had XXXX inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were XXXX inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!

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 2022-04-08 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: PA

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

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: CO

Complaint narrative:
I received a debit card, with account number, in the mail. I did not open an account or solicit a debit card from the company, " Card.com ''. My name and address are correct on the mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.

Company response to consumer: Closed with explanation