vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
I received an alert today that stated a collection account was added to my Experian report. I opened the report and saw that XXXX XXXX XXXX, XXXX, account number XXXX, had placed a collection account on my report in the amount of {$260.00}. I've never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. 
I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in XXXX, they have no filings with the XXXX  Secretary of State. I could not locate a company for them other than XXXX. That alone is illegal for them to be trying to report data and collect data.

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts are still reporting as late and past due. I have already paid everything off except student loans

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 2023-04-05 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: TX

Complaint narrative:
Accounts are still reporting as late and past due. I have already paid everything off except student loans

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 2023-04-05 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: CA

Complaint narrative:
I have reached out to XXXX and XXXX XXXX  several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt

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 2023-04-05 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: CA

Complaint narrative:
I have reached out to XXXX and XXXX XXXX  several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CA

Complaint narrative:
I have reached out to XXXX and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt

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 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  text received asking if I used my debit card to purchase {$500.00} at XXXX XXXX. Texted back no, then received cell phone call from Citibank, which I now know was a fraudulent call. The fraudulent person represented themself as a Citibank employee and was helping reverse {$500.00} debit purchase. While doing so, I received text messages about XXXX amounts, XXXX in total that came up to {$14000.00}, and the Citibank employee said they could help reverse these by having me XXXX back the funds. When the Citibank employee took me through the process, I saw my name as the person I was sending the funds to, however I later learned it was not to me, it was to the scammer. The fraudulent person also was able to open XXXX additional checking accounts and move {$15000.00} from my savings into the XXXX checking accounts, then apply for a personal loan. All were never authorized by me and all was done under the pretenses that I was talking to a Citibank employee who was helping me recover what I thought was fraudulent XXXX transactions. Now I can see all was fraud and I contacted Citibank the same date as the fraud, XXXX. Citibank is refusing to see this as fraud, and denied all XXXX ( XXXX ) disputes. I believe I am covered under the Electronic Fund Transfer Act, and Regulation EXXXX I was tricked and scammed and Citibank was negligent in alerting me that XXXX checking accounts were opened and savings was moved all without my authorization. And the movement of money through XXXX was under fraudulent pretenses because I believed I was resending the money back to myself.

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 2023-04-05 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: PA

Complaint narrative:
With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The amount in collections continues to increase which is more than the original debt that was bought by this midland credit company. The amount owed increases beyond the original debt amount which is inaccurate and I want the debt removed from my credit report immediately for criminal practices. I keep getting calls at all times of the day and night which is causing me mental and physical stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Accounts are still reporting as late and past due. I have already paid everything off except student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-04-05 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: PR

Complaint narrative:
I have been writing or calling TransUnion since XXXX XXXX. I have done so both by letter and calls on a monthly basis. Letting you know that these accounts are not mine. I do not receive correspondence from Transunion and it is very worrying. 

These are the accounts I don't recognize : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX I DEMAND REMOVED THIS ACCOUNT

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 2023-04-05 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: PA

Complaint narrative:
With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: TN

Complaint narrative:
On XX/XX/2023 my checking account with Credit Karma money was charged {$820.00} at XXXX XXXX. I contacted Credit Karma after I was contacted by another creditor that my payment hadnt gone through. I then realized I didnt have my card. A new card was ordered and I submitted a dispute as instructed by the agent. On XX/XX/XXXX I received the results of their investigation as a legitimate charge. I called again immediately as I absolutely did not make this charge nor authorized it. I found out by calling XXXX they require a membership to even purchase anything from their store which I do not have. I argued again with credit karma money who did everything but help me in this situation ( absolutely did nothing at all ) According to the warehouse manager they reviewed the footage and informed me it was a gentleman and a rough guess of age would be mid 40s. I informed them of the situation and they had no knowledge of any dispute submitted!! My husband is a police officer I am fully aware of how the system works. They not only allowed a very large purchase which should of been suspicious in the first place but they did absolutely nothing to help me as the customer resolve it. The only response Ive received is there is nothing we can do nor willing to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
Wrong information on my credit report fraud connected to addresses that I never lived at on credit report! Someone fraudulent using my information. Fraud on this account MILITARY STAR Card XXXX You may contact the customer service desk where the payment was made or contact the Exchange Credit Program Call Center at XXXX ( STAR ).

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have reached out to XXXX, XXXX, and Trans Union by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

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 2023-04-05 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: SC

Complaint narrative:
I have reached out to XXXX, Equifax, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: DISCOVER BANK
State: NM

Complaint narrative:
I was paying monthly to lower the balance on the card. Each month I was paying the bill, but 80 to 90 % of the payment was going to interest on purchases. The balance kept increasing. This happened every month. I got to the point I couldn't keep up with the bill. 
This seems to be what Discover had planned. i believe mostly to line their pockets and didn't care that i intended to concentrate on paying the balance. This occurred every month. The balance continued to grow and there was nothing I could do about it. After a period of time it was impossible to keep this up. I had to give up trying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank decreased my credit limit on my credit card from {$8000.00} to {$520.00} without any Adverse Action Notification or any notification at all. The decrease in the credit limit has adversely impacted my 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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act Credit Acceptance Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.

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 2023-04-05 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: TN

Complaint narrative:
on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I got online to check my credit score, and it was reported that my auto loan balance went up. I logged onto my bank account that handles my auto loan and didn't notice any increase, but while checking I noticed that my loan fees were more than doubled what they were last year. I printed out what I am being charged as far as a daily finance charge ( {$2.00} ) and it was what my charges were typically last year when I looked at my monthly statements, but so far this year I have been charged {$170.00} & {$180.00} for XXXX and XXXX. I am ahead so another payment wasn't needed until XXXX. All last year the charges were around {$87.00}

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 monetary relief
Consumer complaint received 2023-04-05 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: VA

Complaint narrative:
I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

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