vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested to have my monthly payment lowered because my husband was XXXX XXXX XXXX in XXXX of XXXX,, and I was laid off from work on XX/XX/XXXX. I explained that we have extremely high medical bills. I explained that my husband was XXXX for XXXX weeks and he had a XXXX XXXXXXXX. I also explained that he will be going through XXXX until at least the XXXX of XXXX. However, I was told that nothing could be done to adjust the monthly payments because iI have a payment plan that could not be adjusted for any reason. I was also told that I would go into default if I missed a payment. I requested a forbearance and I was told that it wasn't possible. I have been paying my credit card bill every month for over XXXX YEARS and Wells Fargo is refusing to offer any assistance during a crisis. I absolutely can't afford to pay {$360.00}.

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 2023-12-26 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:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict 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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-26 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-26 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: IL

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant XXXX  and XXXX and I implore you to remove them without delay.

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 2023-12-26 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: GA

Complaint narrative:
This company was previously removed from my credit report due to several inaccuracies and FCRA violations. They have written me again continuously trying to collect a debt not owed. The verification of debt they have sent is not the original purchase agreement and they also do not have the correct information such as my legal name, phone number or address. Furthermore, this financial institution does not have my written consent to disclose my personal information to any third party neither did the original creditor which makes this a violation of the FCRA according to 15 USC 6802 ( b ) ( 1 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a credit card with XXXX. I was paying on time, then around month 3 or 4 I started receiving late notifications. I contacted XXXX regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I purchased tickets from XXXX XXXX in XX/XX/XXXXXXXX  for XXXX XXXX  and selected the XXXX XXXX option using my Citibank XXXX XXXX. The full charge is on my account. I communicated with Citi 3 times. The first was through chat ( I have screenshots ) and they stated that there was nothing wrong with the charge and the associate asked if the issue was that I can't afford to make the {$1200.00} payment by XX/XX/XXXX. I asked for a supervisor and was told one was not in. The second was on XX/XX/XXXX XXXX  with a supervisor who stated that there is a XXXX XXXX and the charge would be reversed, all that I would need to pay was the $ XXXX amount. I said great, I'll pay {$400.00} that day and I should be fine. A few days later, I noticed that the balance of $ XXXX was still showing due XX/XX/XXXX. I called and spoke to an associate a third time on XX/XX/XXXX XXXX  ask why the charge was still showing when I selected the plan option when I purchased the tickets. The associate stated that the charge will be reversed and put back on the next month. I mentioned my last conversation with the supervisor and that I only owed the $ XXXX, and paid {$400.00}. She said that was correct. Now I am showing that I am over the credit limit because of this. If the plan option was not available, I would have used another card. I told her that these are unfair business practices. She said that I signed the agreement. I agreed to the plan when I bought the tickets, and she stated that I signed the agreement after the purchase, XX/XX/XXXX. She then mentioned that XXXX may not have transacted the purchase correctly and the option would be to cancel the plan. I told her that I selected the plan and the I was calling to reverse the charge because the XXXX XXXX was in place. This is why I am contacting you. I file with the FTC as wellXXXX because Citibank is conducting unfair business practices. I'm filing with you regarding the XXXX XXXX showing on the XXXX website per the agreement with Citi 's terms and conditions. If they were correct in either case, I would have made better choices. 
I checked my account XX/XX/XXXX and every month my minimum payment due increases and I don't actually know what I should be paying. Plus, Citi continues to send me, " would you refer someone to the Citi XXXX XXXX  program '' surveys. Of course not, you don't know what you're going to end up with from plan to plan. I have two and they're both different.

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 name XXXX  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name XXXX 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 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 non-monetary relief
Consumer complaint received 2023-12-26 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: NY

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 name XXXX  XXXX has violated my rights Account number ( XXXX ) account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX has violated my rights Account number XXXX account name XXXX XXXX XXXX XXXX has violated my rights Account number XXXX Account name XXXX XXXX XXXX XXXX has violated my rights Account Number XXXX Account name XXXX 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 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a credit card with CapitalOne. I was paying on time, then around month XXXX or XXXX I started receiving late notifications. I contacted CapitalOne regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on 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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I would to dispute the collections account for Account Card # Endimg in XXXX The Collections and account status is Disputed because their were unauthorized transactions on the account. 

The unauthorized transaction was a transaction With XXXX, Another Card was used to complete the transaction. XXXX cards were charged for the one transaction.

The Bank Statement of the Bank used to pay XXXX XXXX is attached. 

The same card was used to make the purchase from XXXX : Transaction XX/XX/23 XXXX Debit : Signature XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$45.00} The transaction with the XXXX XXXX  XXXX  is suspected denied for low balance and a second card the XXXX XXXX  was used. 

The card was lost and returned by the XXXX XXXX The transaction did not involve unpaid credit, the account status is incorrect, payments were on time exhibited on the Bank XXXX. 

The Collections were removed, the account was resolved previously. 

The account was resolved The Balance is incorrect, the balance is {$450.00}, more than the original amount credited to the Cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just looked at my consumer reports and noticed a number of account i'm a victim of Identity theft.. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I am not connected to these accounts and did not provide written consent to report the account : XXXX - Account # - [ XXXXXXXX XXXX XXXX XXXX- Account # - [ XXXX XXXX XXXX XXXX- Account # - [ XXXX XXXX XXXX XXXX - Account # - [ XXXX ] Inquires- XXXX XXXX XX/XX/2023 Inquiries- XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Please investigate and provide proof with statements showing that these accounts are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these accounts to be removed as they not mine.

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict 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 2023-12-26 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake portfolio management LLC is the finance company of US AUTO SALES who is under federal investigation for over selling and repossession cars that are paid up westlake portfolio management LLC have something to with the cars being repossessed its not only US Auto sales we as the people dont trusXXXX the company who was backing a company who was over charging and taking people cars. I believe westlake portfolio management LLC had something to do with all what us auto sales are going through I would like for them to be investigated as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
This account was tone removed from my credit report once I paid in full - what the company has done after I disputed the account is place a XXXX balance but its still reflecting on my credit report as a negative mark - they are a scam and I have proof I paid too have National Credit Adjusters remove this off all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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