vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I opened this card in XX/XX/year> for the sole purpose of purchasing one item, paying it off afterward, and leaving the card alone/closing the account after. The purchase was made on XX/XX/XXXX, for an amount of {$130.00} for a XXXX XXXX XXXX at BestBuy. Afterward, as no minimum payment was due yet, I did not check on the account until XX/XX/year>. 

By this point, unrecognized and unauthorized charges from a store I do not visit ( XXXX ) in a city 40 miles away from my home ( there is another location for the same store 9 miles away ). These purchases were made in the amounts of {$2500.00} and {$990.00} on XX/XX/year>. The next day, XX/XX/XXXX of 2024, an additional purchase was made for a " dolly '' purchase in the amount of {$110.00}. I was not contacted for these charges. I received no call, no voicemail, no notification through any communication channels. 

After I saw these fraudulent charges on XX/XX/year>, I opened a dispute on the CitiBank BestBuy website for all of these charges. I searched for the card and could not find it, so I requested the customer representative send a new card and cancel the last card. I received the card ( and have not activated it as I do not intend to use it ) and I received no further information through mail, email, text, or call until receiving the final decision on XX/XX/XXXX, through the mail. The decision made was to continue to charge my account with these fraudulent charges. 

I called the security department at CitiBank on XX/XX/XXXX, at XXXX PST, to reopen the case. I was given the claim # XXXX and the number XXXX to submit additional evidence/documents. I was informed that the dispute was denied as the chip was present during the transaction. However, I have my timesheet record as well as my location tracking which shows that only went to work and went home those two days. I submitted those documents, but was unable to reach the security department again to confirm their receiving of it.

I received no further information through mail, email, text, or call since then. Looking at the website for CitiBank BestBuy, there are no open cases.

I live in a 10 foot by 10 foot room, live and work 40 miles away from the location the charges occurred at, and have both my timesheet and my location tracking that shows I was not present for these charges. The card number provided on the next page of the form is the current number, but I have not activated it as I do not ever intend to use it.

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 2025-01-09 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased a XXXX XXXX bed in XX/XX/XXXX and used my synchrony sleep number credit card. I signed a contract and agreed to XXXX XXXX interest and XXXX months into the contract XX/XX/XXXX, the interest was changed to XXXX XXXX without my knowledge or approval. I have a signed contract with XXXX XXXX that i have emailed to synchrony bank to get my financing back to XXXX XXXX but they have been giving me the run around and saying I didn't meet the requirements at the time of purchase. XXXX XXXX gave me to contract to sign and told me I met the requirements for the financing to be at XXXX XXXX. How can I not meet the requirements when sleep number told me I did and had me sign the contract for the XXXX XXXX financing? XXXX XXXX never called me back to sign a new contract or asked for any further information from me regarding the contract. XXXX XXXX had contacted them in the past and sent my contract over also, that's what they told me when I spoke with XXXX XXXX. I believe synchrony is committing fraud and theft for charging me interest i did not agree to and won't change it back. I have been trying to get this fixed for over a year and synchrony doesn't seem to care that I'm out extra money and have to make the payments or my credit will get messed up if I don't. I have no choice at the moment but to let them commit fraud and steal from me, so I don't mess up my credit.

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 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: ME

Complaint narrative:
I called and told CarMax XXXX that I needed to do a voluntary repossession of my vehicle because of finding out I have XXXX they said that they would not list it as a voluntary repossession they reposted it and resold the vehicle and have called my phone 7 days a week since the date of the resale the have been told to cease and desist because of the added medical stress do to their repeated harassment and they still call and have ignored the 7 in 7 collections law and are threatening legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: PA

Complaint narrative:
The company said they mailed a copy of the debt but still havent received anything. I am asking for an address confirmation and if they can send the invoice another way. To date this is reported to my XXXX Credit Report. I have no copy of an invoice and asking RMG to send the invoice in another way to confirm I receive it.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had XXXX XXXX XXXX  for XXXX XXXX with a near-perfect record of payments. in XXXX- I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.

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 2025-01-09 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: FL

Complaint narrative:
I had XXXX XXXX XXXX for XXXX years with a near-perfect record of payments. in XXXX I tried to log in on my phone from the app as well as the browser on my laptop and could no longer log in with my 2-party authentication using my phone number which was the same as my account. I emailed them dozens of times and called a phone number I found on XXXX where I was only met with an option to leave a message. They never responded to any of my emails and never returned any of my messages. every " your account is past due email I received, I would reply and tell them I was locked out of the payment portal and no one ever replied. Since then, they have been reporting negatively on all of my credit reports, causing me a financial burden in obtaining credit. I have still to this very day NEVER received a reply email back regarding my locked-out account, only " past due '' emails and settlement offers. I even just recently, received an email from them offering a settlement where I responded with screenshots of my dozens of emails from XXXX telling them I'm locked out and can't make a payment, needing assistance in accessing my account... and was sent a robot blanket message back.

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 2025-01-09 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: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding your failure to properly investigate my recent dispute concerning inaccurate, incomplete, and outdated negative items on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy, completeness, and fairness of information contained in consumer reports. 

Despite my previous dispute, these inaccuracies remain unresolved, and the negative information continues to be reported on my credit file. Specifically, I have reviewed my report and found that the items in question remain, demonstrating that your investigation was not thorough and in violation of my rights under Section 611 of the FCRA. 

This failure has caused significant harm to my creditworthiness, financial opportunities, and personal character. Your negligence in correcting these errors is not only damaging but also illegal. Under the FCRA, I am entitled to seek damages of up to {$1000.00} per violation. Please be advised that I will be invoicing you for each instance of non-compliance and the damages caused as a result of your failure to comply with federal law. 

If you do not address these inaccuracies and provide confirmation of their removal from my credit file within 15 days of receiving this letter, I will have no choice but to pursue legal action against your agency for your repeated violations. 

To avoid further escalation, I request that you : 1. Conduct a proper reinvestigation of the disputed items. 
2. Remove any inaccurate, incomplete, or outdated negative information from my credit report.

3. Provide me with a written confirmation of these corrections.

Failure to respond or comply within the specified timeframe will result in legal proceedings against your agency. I look forward to resolving this matter promptly.

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 2025-01-09 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, I am retired and on a fixed income. My mortgage company is not removing my escrow account despite of many attempts on my part. They are charging me an additional XXXX a month for the escrow. Mind you, I pay my own insurance. I have senior citizen exemption, Homeowner exemption and Senior Citizen Exemption freeze on my property. My annual property taxes have never exceeded XXXX XXXX dollars, however my mortgage company is charging me an additional XXXX a month for " taxes '' I am on fixed income, I have contacted my mortgage company many times and made it clear to them that I CAN NOT pay XXXX on top of my monthly mortgage of XXXX. However the mortgage company keeps ignoring my request to remove my escrow account. 
Thank you.

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 2025-01-09 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$2700.00}

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 non-monetary relief
Consumer complaint received 2025-01-09 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with XXXX, TRANSUNION AND XXXX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with EXPERIAN, XXXX AND XXXX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.

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 2025-01-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I applied for an apt to which I was denied due to collections on my credit reports once I checked the reports I found tons of fraudulent activities as well as inaccuracies investigating this issue I found no answers only that my name showed up on XXXX data breech. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CL Holdings LLC
State: GA

Complaint narrative:
I applied for an apt to which I was denied due to collections on my credit reports once I checked the reports I found tons of fraudulent activities as well as inaccuracies investigating this issue I found no answers only that my name showed up on XXXX data breech. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I applied for an apt to which I was denied due to collections on my credit reports once I checked the reports I found tons of fraudulent activities as well as inaccuracies investigating this issue I found no answers only that my name showed up on XXXX data breech. ( XXXX )

Company response to consumer: Closed with explanation