vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, {$1500.00} was fraudulently withdrawn from our CitiBank NA checking account, appearing in our account as 5 withdrawals on our CiitBank debit card for {$300.00} each. These withdrawals were made by unauthorized use of the debit card, illegally obtained by a third party. Within an hour of these withdrawals, they appeared in our account, and we immediately attempted to notify CitiBank to report them as not made by us. We were on hold for ninety minutes. When we were finally able to report the fraud, we were told that the funds would be restored to our account within ten days, and that there would be an " up to 90 day '' investigation. After ten days, we were informed that the funds could not be restored. CitiBank could not determine fraud, as the withdrawals fit our pattern of use. We had rarely used our CitiBank debit card to withdraw cash, and never for more than $ XXXXAfter several complaint calls which were shuttled to several departments, we were told the case would be re-opened, and that a police report would help our case. We filed a report with The XXXX XXXX police on XXXX XXXX ( attached ) Checking the account daily, we discovered that the {$1500.00} had been restored to our account on XX/XX/2021 with no notification or communication from CitiBank. With funds restored, along with what had remained in the acccount subsequent to the incident, we wrote a rent check for {$1600.00} on XX/XX/XXXX, and submitted it to our landlord on that date. Checking our account on XX/XX/XXXX, we saw that the check had not been posted as deposited or cashed by our landlord, Then, also on XX/XX/XXXX, there were 5 bank debits posted for {$300.00} each. There was no communication from CitiBank. When we called to inquire about the debits, we were told that the " available '' funds that appeared in our account were " provisional '' and had apparently been taken back. We had to subsequently inform our landlord to hold off cashing our rent check until we could get this straightened out, Citibank has made a mess of this, and it's just wrong..

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 2021-09-10 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: NY

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: PA

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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX 1 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the I C SYSTEM ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2021-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLOBAL SOLUTION BIZ LLC.
State: CO

Complaint narrative:
XXXX, XXXX I am reaching out to you regarding your XXXX XXXX XXXX with XXXX XXXX XXXX. Your current unremitted receipts balance is {$8500.00} and is due in full immediately. 

We have not heard from you since the default event, and would like to discuss some options for repayment. In the event that we are unable to contact you within the next few days to discuss this issue in a civil manner, we have elected to move forward with a review for litigation, pursuant to our clients rights outlined in the Agreement. If you have spoken with someone in our office and made arrangements, please disregard this email. 

We would like to extend a final opportunity to resolve the debt. Please contact our office immediately upon receipt of this email to discuss repayment. Once litigation has been filed, we will be reluctant to negotiate with you. As indemnitor for the advance, you are responsible for ensuring that it is resolved in a timely manner to avoid litigation. Feel free to contact our office to discuss this further. 

XXXX XXXX Lost Prevention Specialist Global Solution Biz, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Ext XXXX ( XXXX ) XXXX direct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
These are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXX Credit Card at a XXXX outlet on XX/XX/2021. I order a refrigerator, and convection oven microwave, with delivery and warranty. I spoke to my wife and she wanted to go with me in person to purchase the fridge, so I called the next day and cancelled, that was done. That Friday XX/XX/XXXX they were delivering the Convection microwave, my wife stayed home to receive the delivery. They called me later in the day around XXXX I was told he was on his way ( 50 minutes away ). XXXX the same guy told me his truck broke down in XXXX XXXX XXXX He gave me his word and promised he would deliver the microwave the next day ( He lied ), no calls - nothing. The next week a managers calls me and asks when do I want to reschedule the delivery saying I cancelled ( I explained to him the situation ). I knew for a month my families schedule was packed, so I couldn't give him a date. I have 1 month to return the item so 2 weeks later I called to return/cancel the convection microwave ( returned over the phone very difficult I had to go in person and call 5-6 times, but it was returned around XX/XX/2021, 2 weeks following the initial try ). Everything including the warranties were to be taken off. 
They took off the fridge warranty, but never the Convection microwave warranty I have requested it be taken off 10+ times and opened 1 dispute and if call the store they hang up on me, XXXX corporation tells me they will have the store reach out to me, instead of them taking care of it. The amount has never been taken off and I received a payment request for {$220.00} for the warranty that still has not been taken off, as of XX/XX/2021 for nothing. Sorry for the long explanation, will you please help, they have wasted 5-7 hours plus of my life. 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 monetary relief
Consumer complaint received 2021-09-10 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: LA

Complaint narrative:
I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-09-10 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: LA

Complaint narrative:
I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please submit to all 3 credit bureaus as of my first complaint. I've been doing credit repair for over 8 months now and none if the bureaus has contacted me. I know it's a pandemic but its been over 8 months I am requesting all 3 bureaus to remove all negative items on my accounts. As the law and fair credit reporting act states if the bureaus did not communicate in a timely matter all negative items should and need to be removed asap. Also of a creditor or collection is sold to someone else with out my knowledge then that debt is no longer mines. Also due to HIPPA laws no medical records supposed to be shared without writing authorization. Please have all items removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or about XX/XX/2021 I mailed a demand letter to Experian, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notified Experian in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. 

As of XX/XX/2021, I have not received any response regarding my demand letter.

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 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX regarding a duplicate hard inquiry on my credit report from Capital One Auto Finance on XX/XX/XXXX. See attached Complaint # XXXX. Capital One Auto Finance responded with the attached letter dated XX/XX/XXXX, providing in part : " If the dealer provides us with a letter, on dealer letterhead, stating the corresponding application was submitted in error, we will submit a request for the inquiry to be removed. '' On XX/XX/XXXX, the dealer, XXXX XXXX, faxed the requested letter to Capital One Auto Finance at the fax number provided and included a copy of the company 's XX/XX/XXXX letter. The company then sent me a letter dated XX/XX/XXXX, requesting " additional information, '' all of which is contained in the original complaint and supporting documents, the company 's XX/XX/XXXX response letter and/or the dealer 's XX/XX/XXXX letter. 

Please re-open the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Service is violating multiple federal laws under USC 1692. For example USC 1692b ( 2 ), USC 1692b ( 5 ), USC 1692e ( 2 ). Also continued to contact after I claimed this debt was not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
I have disputed with Specialzed Loan Servicing ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and XXXX is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with XXXX and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.

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 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CT

Complaint narrative:
A debt was charged to my credit by a person with the same name. 
Called the debt collection company on XX/XX/XXXX, and they removed the debt from my credit. 
They reissued the same debt XX/XX/XXXX. 

This is not my debt. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1500.00} - - - Address XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1500.00} Original Creditor XXXX MOBILITY Past Due {$1500.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midlan Credit has fraudulent account in my name claiming I owe them XXXX as of 2021 which is not correct I do not own this company any money nor do I have an active contract or account with this company. This company has illegally bought, sold and traded my personal information to obtain a debt not owed to them. They were notified upon them contacting me that this was a fraudulent account and they threatened me saying I better pay them XXXX that I did not owe them and ruined my credit and I am seeking a remedy to make me whole from the damages that Midland Credit fraudulent reported to all 3 Credit Bureaus. XXXX notified me of the issue and this has costed me hundreds to thousands of dollars in damages. I am requesting this company leave me and my credit alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation