vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX  XXXX, XXXX XXXX XXXX, has violated my rights. 
-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  , have violated my rights.

15 U.S.C. 1681 Section 602 A states that 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 non-monetary relief
Consumer complaint received 2022-06-05 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Consumer Portfolio is reporting a repossession and late payments on my credit report. That vehicle was traded in to XXXX XXXX in XXXX XXXX in XX/XX/2018. I was served papers and went to court several times for this account. Consumer Portfolio dropped the case because it was negligence on XXXX end. This has been reporting negative on my credit as a charge off for over {$20000.00} and its showing as late and repossession on my credit report. It is affecting my report and my progression in moving forward with repairing my credit. Can you help me get this resolved or removed?? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019

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 2022-06-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: TN

Complaint narrative:
The company FED LOAN SERVICING whose address is XXXX XXXX XXXX XXXX, PA XXXX has already deposited a 1099-C for the amount of {$20000.00}. I need my account updated to reflect that all payments have been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019

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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems is reporting different information to two credit bureaus. I have attached the violations so you can see. This inaccurate information is causing me great stress. It is their responsibility to report information that is 100 % accurate and verifiable. They have various violations causing me to believe they have no regard to the credit laws that protect us. I was denied a refinance loan recently. Items like this make my life stressful. I have to put in long hours to fix what they should already know. Its abuse of power.

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 2022-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Charged me a XXXX service fee the day I opened the account for not meeting min needs. I had put the funds in their shortly after the account was brand new, this practice of XXXX a month continued, i emailed the bank and said XXXX is super high for min funds in account, but XXXX emailed me back and said nothing they can do about it and he won't refund all the {$12.00} a month charges, which one took my account to negative. I was surprised to see such predatory fee practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had XXXX XXXX Trauma and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.

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 2022-06-05 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # 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 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 2022-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I believe that someone posing as Paypal sent me a notification that they had detected unusual activity in my account and needed to verify security information to resolve the issue. The manner in which they reached out was consistent with how Paypal contacts me, and the appearance of the interface seemed normal to me. I think it was actually a notification on my phone, as though from the app. I entered security information, including my main credit card, my HSA card, and my SSN. I feel so stupid. I should have realized this was not normal information to ask for in order to verify activity. But the moment I realized it was a scam was when I finished the questionnaire and the interface changed oddly, asked me to verify that I wasn't a robot, and then redirected to a VPN service. I think that Paypal should be made aware that this scam is circulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint to dispute fraudulent information that appears on my XXXX, TransUnion and XXXX consumer reports. 

Fraudulent Inquiries on my TRANSUNION CREDIT REPORT : XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX Bank ) XX/XX/XXXX Fraudulent Inquiries on my XXXX CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CITIZENXXXX 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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-06-05 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: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX, XXXX XXXX CO, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT YO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
I canceled my flight on XXXX XXXX XXXX # XXXX due to covid.Canceled on XXXX website and received flight credits in the amount of {$720.00} for me and {$720.00} for my wife.Now I tried to book another flight to XXXX In XXXX on XXXX XXXX but it would not let me. First I need to change from Basic economy to regular economy to use flight credits ( extra charge )! Next I have to call in to XXXX to book flight.So I did and spoke to a XXXX XXXX and told him the date, time, flight numbers that I wanted.He finds the exact flights, dates and times to XXXX -but he tells me its more than what's on XXXX XXXX! He spoke to his manager but they won't match prices on their own website! I disputed it with Citi XXXX but lost dispute. Because they did not received additional paper docs from me but I sent the same docs the first time around.Flight credit is so unfair! If it was cash I could have booked a cheaper flight. 
I think this is price gouging! From XXXX XXXX and XXXX and Citi XXXX for not crediting the difference like I request.

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 2022-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: NJ

Complaint narrative:
I received a Square debit card in the mail that I did not request. I do not know how the account got opened. It was sent to my home address in my name. The issuing bank is XXXX XXXX, the company is Square Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had serve XXXX, XXXX  and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.

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 2022-06-05 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: GA

Complaint narrative:
Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all 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 explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Service Bureau
State: TN

Complaint narrative:
The PROFESSIONAL SERVICE BUREAU , INC. whose address is XXXX XXXX XXXX XXXX MN XXXX has been attempting to collect on a debt already discharged by a 1099-C in the amount of {$14000.00}. I need my account updated to reflect that all payments have been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. Myself and my adult Children XXXX XXXX, and XXXX XXXX lived at XXXX XXXX XXXX in XXXX, TX in XXXX  ( XXXX XXXX XXXX ). When we moved from XXXX XXXX XXXX, there was a balance owed to which XXXX XXXX sold the debt to Procollect. ProCollect was paid in full for the outstanding amount of {$1.00}, XXXX on XX/XX/2017. ProCollect continues to report that the debt remains outstanding. I have applied for an apartment and ProCollect is showing as an outstand balance to XXXX XXXX Townhomes. I and my daughter XXXX have attempted to reachout to ProCollect to resolve the issue as time is of the essence and are getting stonewalled. The apartment complex that we are applying to has agreed to hold the unit until close of business Monday after that we will loose the unit to another family. The account number for ProCollect is : XXXX. We are dealing with a XXXX XXXX. The bill was paid with a XXXX credit card and I am attaching a copy of it as proof.

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 2022-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I've tried contacting Transunion and XXXX about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.

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 2022-06-05 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: MI

Complaint narrative:
RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letters sent to : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ` XXXX XXXX XXXX XXXX Account # XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge your company to take this extremely seriously as I have documented my case without error. I encourage a response from your company expeditiously

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 2022-06-05 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:
I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 2022-06-05 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: GA

Complaint narrative:
Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and Transunion no score is available for me since XXXX  but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all 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 explanation
Consumer complaint received 2022-06-05 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: GA

Complaint narrative:
Currently have student loans that are in loan forgiveness but shows on my report as late. From Equifax, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As a Federally Protected consumer a natural living man COMENITY BANK have violated my consumer rights to pravacy. Pusurant to 18 USC 1028A ( a ) ( 1 ) and 15 USC 1681g ( 11 ) Comenity Bank violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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:
I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 explanation