vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I was diagnosed with XXXX  for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I was diagnosed with XXXX  for the 2nd time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Home Depot credit card in XXXX of XXXX and was told it was 2 years interest free ( waived interest ) with a 25.99 % interest applied to any charges made after the two years expires. The representative at the store insisted that I would not be responsible for any interest accrued during the promotional period charges. 

I was lied to by the sales representative in the store and the credit card representative over the phone- as this card has a deferred interest associated with it that I was not aware of. 

I set up auto payments and electronic statements upon receiving my card and making my first charge. I set up my payments to be above the monthly minimum and they were consistently paid on time. 

This promotion expired in XX/XX/XXXX where I had approximately {$3400.00} left on my credit card balance. My auto payments continued however I was charged approximately {$6800.00} in deferred interest in XXXX. 

I never received any email notification ( given I have electronic notifications ) that the promotion was expiring and there would be a deferred interest charge added to my total charges. This was a complete surprise to me. I logged in today, XX/XX/XXXX to pay the remainder of the balance in full to find it was {$8800.00} dollars. 

I called Citi to try and resolve it and informed them I was lied to and this is not how the credit card was sold to me and I was told there is nothing that can be done on their end. 

The pandemic has really affected me and my family and money is extremely tight. I can't afford to pay all this interest, especially when it's not what I signed up for. I feel cheated and taken advantage of and any help in the matter would be greatly appreciated.

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 2022-01-06 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:
I faxed Equifax disputes regarding erroneous accounts on my consumer credit file on XX/XX/2021, after mailing my dispute to it on XX/XX/2021. I faxed in the dispute because Equifax did not start an investigation. Faxing was the only way for me to get confirmation that my dispute was received the same day in case the company tried to lie and say it never received my dispute in the mail. According to Equifax, it has 5 business days to process my disputes. It has been more than XXXX business days and Equifax has not investigated my dispute. Equifax has a duty to investigate all disputes that it receives, yet it has neglected to investigate mine. Equifax is deliberately violating the law and enabling identity fraud by keeping these erroneous account of my file. I even sent Equifax dispute results from XXXX showing that XXXX was unable to verify erroneous accounts on my credit file, and Equifax has ignored it. How can Equifax verify items on my consumer credit file if XXXX couldn't. This particular company is damaging my reputation and preventing me from making major purchases. This company has failed to prove any of the negative, erroneous accounts belong to me. This company is merely parroting information, which is against the law. It has duty to investigate with physical evidence. Attached to this complaint are the disputes I sent Equifax, and the dispute results from XXXX showing REMOVAL of erroneous accounts from my consumer file. XXXX did it's due diligence and actually investigated my dispute and found these negative, erroneous accounts were NOT mine. My question again, how is Equifax verifying items on my report if another CRA COULDN'T?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau since XXXX and now we are on XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-06 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: OH

Complaint narrative:
Upon review of my credit file with Transunion, I took note of several inaccuracies pursuant to 15 USC 1681. 

I sent the attached affidavit to Transunion, for all inaccurate accounts and inquiries to be removed. 

That has not yet been done.

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 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.

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 2022-01-06 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I received several emails from Citibank to make a deposit to open my " free checking account ''. I ignored and deleted the emails as " spam '' I then sent payment to Citibank on a " secured credit card '' that I do have with Citibank. The payment I made was {$100.00} on a {$200.00} credit card balance, on XX/XX/XXXX. 
I sent the payment through XXXX XXXX 's bill pay, which is an electronic payment. I also sent two other credit companies payments at the same time. 
On XXXX, XX/XX/XXXX, I checked the credit cards. All of the payments were received, posted and my available credit except Citibank 's. 
Then I checked my emails and saw an email from Citibank, stating that the funds available to my credit card may be withheld to a a negative balance on my checking account. 
I phoned Citibank but they were closed or I stayed on hold and no one picked up after an hour of waiting. 
I went to the mobile app and nowhere did it state that I had any checking account linked to my credit card nor any information regarding this " checking account '' I never opened. 
Today, XX/XX/XXXX, I received an email from Citibank stating that there was a monthly fee of {$15.00} charged to my checking account and since I did not have the money in the checking account I never authorized to open, Citibank was charging me an additional {$34.00} for overdraft fees for the {$15.00} in fees they charged me, therefore, demanding I submit payment in the amount of {$49.00} to put my account in good standing.

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 2022-01-06 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: NY

Complaint narrative:
This allege account was disputed with allege original creditor XXXX XXXX and they failed to validate this debt. I sent letter disputing this allege account requesting all documents and contracts XXXX  has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. it is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX has failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.

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 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: GA

Complaint narrative:
Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!

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 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2022-01-06 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-01-06 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In spring of XXXX, a relative was held in XXXX custody, and the prison told us to use XXXX for phone calls with them. Our last " authorized '' charge with them was back in XXXX. In XXXX out of the blue, they charged my AmEx card {$39.00} four times on XX/XX/XXXX, XXXX, and XXXX. I didn't notice the one on the XXXX, but I disuputed the last 3 with AmEx after trying to get a refund from XXXX. 

I have included additional information in the attached PDF, which was my response to AmEx 's finding in XXXX 's favor. 

XXXX 's response to Amex for each dispute was a 10 page PDF response, nearly identical : - they had computer logs showing we first visited the site at <EXACT TIME OF CREDIT CARD TRANSACTION> and registered for a new account with XXXX e-mail address ( How do they have computer logs saying I first visited the site at the exact same time of the credit transaction? You'd expect a few minutes delay. ) - XXXX 's web site does not even allow allow you to open multiple accounts with the same e-mail. ( Their form letters are claiming each of those charges was for a new account for the same e-mail. How is that possible? ) XXXX XXXX 's response contained screen shots of the new user form showing a totally different amount than {$39.00} - It listed an IP address we used to login to the service back in XXXX, but we were in the middle of the XXXX XXXX in XXXX ( verifiable with travel documents ). 

AmEx accepted the merchant 's explanation. A close reading of the responses from the merchant would show they're lying. 

I asked American Express for a merchant block back at the end of XXXX, but again today ( XX/XX/XXXX ) there is a new charge from XXXX. AmEx told me the merchant block didn't work, so they tried again. 

I don't know what to do : - (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

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 2022-01-06 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-06 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection which is 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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date open : XXXX I have no knowledge of this account I demand it of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection which is 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 2022-01-06 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, checked my credit report and noticed a fraudulent and inaccurate account on my credit report. I reached out to the credit reporting agencies to remedy the situation but they would not help me remove the fraudulent and innacurate 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 2022-01-06 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation