vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4100.00} I have disputed this charge on XXXX XXXX I have froze my credit and have done everything I can think of to resolve this matter in my favor.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I don't have the exact dates on hand. I have trued several times to transfer funds into my paypal account and have been denied. I took time during working hours, which is frowned upon by my employer but was allowed one time to call abd figure out the issue. I was informed of multiple things that the issue could be, but was never furnished with factual information. They took information from to make the transfer happen, but I was not comfortable giving, but due to the need of the transfer complied. I was then faced with the same issues and am still facing said issues, with no desire to try and speak with an individual whom barely speaks my language ( I am in no way offended, it is just hard to communicate with language barriers ). I am need of transferring funds as I use the card associated with PayPal to cover certain expenses. It has cost me many comparable cash transactions to cover theur errors. They have also advertised a credit line... and have denied me ; they have offered me my own line of credit and then used third party companies to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KY

Complaint narrative:
I was involved in a hit and run accident.in XXXX XXXX XXXXXX/XX/XXXX. 
My insurance company XXXX has it at no fault. 
I moved to XXXX and insurance through XXXX went up to much. So my Daughter put me on her inchurance through XXXX. 
They go through a company called XXXX XXXX who has the accident at fault. I don't know where they get their information but I called them to dispute and they would not help me I have the report from XXXX saying I'm not at fault and I just want to clear all this up thank you. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax just dropped my credit score XXXX points today from XXXX to XXXX, despite there being no new activity at all, and particularly no new negative activity. When I called and demanded an explanation, they brought up negative activity that is at least XXXX and a half years old or older, and the most recent negative mark is a collection from XXXX, 2021, for which I've reached a settlement with the collection agency with and have been paying off since XXXX. I also just completed paying off another settlement of a loan 100 % satisfactorily and did it XXXX months ahead of schedule. Both of these items really aren't even mine in the first place, as I've taken them out of something else I'd ordinarily be paying, but that's besides XXXX XXXX. I have a " good '' or " excellent '' rating on XXXX of the XXXX factors that go towards deermining a credit score, and I've been working very diligently to fix it, as I had an XXXX XXXX XXXX for many years up until several circumstances came up a few years ago, that were not my fault that caused my score to take a severe dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-10-05 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: CarMax, Inc.
State: CA

Complaint narrative:
Seen several unknown hard inquiries on my consumer report and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Seen several unknown hard inquiries on my consumer report and I would like them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I have asked for all information on these as workers comp and or personal insurance would have paid for them if they are even mine I am getting debts from states away for medical and plan on starting legal action against all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not authorize or give any written permission to any of these companies to inquire on my Equifax report. Please block and delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Inquiries are not mine lXXXX XXXX balance incorrect

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 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
I am an XXXX XXXX service member and I was denied Service Civil Relief Act for high interest. I applied for it and I was denied. I need to file a complaint for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX and XXXX XXXX ( along with the other two inquiries. )

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 2023-10-05 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In the month of XXXX, when I was going to make the payment, I noticed a charge for XXXX and I called Barclays bank and reported that I had not made that purchase. They told me that they were going to investigate which merchant it was. They delayed a month and sent me the first letter on XX/XX/XXXX saying that they contacted the merchant and it was XXXX XXXX that I had authorized that purchase. I contacted the XXXX XXXX department and that purchase was made by the website because they hacked my XXXX XXXX account and they made two Encisos but only one was approved by the bank. On XX/XX/XXXX a fraud case was opened with XXXX XXXX and they gave me case number # XXXX to give to Barclays bank. On XX/XX/XXXX I went to the police and made a report about the fraud. On XX/XX/XXXX I sent them the police report by email and Bayclays Bank opened a case again to investigate. On XX/XX/XXXX they sent me the same letter again that I have to pay the XXXX because they contacted the merchant the same people that they have told me during the months I called them again, spoke and explained to them what type of investigation they did when there is an open case with a police report and XXXX XXXX also has a fraud report. They told me the same thing, we are going to open another case and they do not resolve anything and the charge is on the card

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 2023-10-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.

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 2023-10-06 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: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I paid my entire Citi credit card balance of {$7400.00} and planned not to use the card again. On Saturday, XX/XX/XXXX, at XXXX XXXX I received a text alert asking if I attempted to use my Citi card at a XXXX store for {$810.00}. I was working then, so I did not see or reply to the text until the following day, Sunday, XX/XX/XXXX, at XXXX XXXX, stating I did not attempt to make the purchase. Shortly after my response, I received another text asking me to contact the Citi Fraud Department at XXXX. I contacted them and checked my mobile app to review my Citi statement. My statement showed five purchases on Saturday, XX/XX/XXXX, totaling {$4100.00}. Three charges at a XXXX store in XXXX XXXX, NY. One purchase at XXXX XXXXXXXX XXXX in XXXX XXXX, NY, and one purchase at XXXX XXXXXXXX XXXX, in XXXX, NY. The purchases were as follows : XXXX XXXX XX/XX/, {$810.00}, {$1500.00}, and {$1800.00}. XXXX XXXX XXXX XXXX XXXX$5.00} and XXXX XXXX XX/XX/ {$4.00}. 

I talked with the fraud department and disputed the charges. Several weeks later, I received a letter saying the dispute was not honored and I would have to make the payments. I contacted the police to file an official report. I also contacted Citi Cards again to dispute the charges and provide the police report number. Citi opened another investigation and said they would contact me in 1-2 weeks. I contacted the Citi fraud department several times to follow up on the investigation status but was not given any updates. On Friday, XX/XX/XXXX, I reached back out and was told for the second time that they were not removing the purchases, and I was expected to pay for the fraudulent purchases. I requested they open another investigation and asked what additional information I could provide to prove this was fraudulent activity. They told me to write a letter and an investigator would contact me in 1-2 weeks, which they continue to say to me, but I never received a call from anyone. Citi Cards expects me to pay the balance each month while they investigate for the third 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 monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : -- TRANSUNION -- 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 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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I use online bill pay. I established a new recipient within my banking system on XXXX XXXX, providing all required data ( e.g., account info, address, phone, etc. ). I scheduled a payment and noted the " due date '' was XXXX XXXX. My expectation was the check would be received by the recipient within a day or two of XXXX XXXX, understanding that XXXX XXXX is a Friday and perhaps mail would be delayed by a day or two. On XXXX XXXX, the recipient emailed to note they had not received the check. I called the bank to inquire. The bank confirmed the recipient was established on XXXX XXXX and a check was issued and mailed via US Mail on XXXX XXXX. On XXXX XXXX, I will incur a late fee penalty, unless I pay electronically at additional expense. This " delay '' in check receipt has happened at least three times in the last two months. My primary complaint is that I established a due date based on my billing cycle and communicated that to the bank. The bank established when a check would be sent to achieve that due date ( within reason ). However, the system isn't working well and the bank is essentially shrugging their shoulders and blaming the US Mail. The bank did agree to pay any late fee ( if requested ) after they conduct an investigation. Which means I would have to initiate that for each occurrence and hope they accept responsibility - I have my doubts.

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 2023-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I closed out my XXXX account to pay some of my past due mortgage. I mailed a check to freedom mortgage on XX/XX/XXXX. Freedom mortgage received the check on XX/XX/XXXX. I have the confirmation the check was delivered to Freedom mortgage 's XXXX XXXX XXXX The check cleared my account on XX/XX/XXXX. Freedom mortgage is refusing to post the XXXX dollars to my account. This is causing me mental anguish and emotional distress. I'm a veteran and I'm on the verge of losing my home because of the negligence of Freedom Mortgage. If this isn't corrected, I will take Freedom Mortgage to court.

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