vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/21 I was approved for a revolving credit limit for XXXX through Citi XXXX XXXX AAdvantage credit card. I used this credit card to purchase XXXX airline tickets to my daughters wedding in XXXX. When I went back in two weeks later to purchase the baggage my card was declined. I purchased XXXX on the card. When I called the credit card they stated to me they decreased my credit limit to XXXX. They made this decision without notifying me in any way. They claimed they sent me and email. They didnt nor did I receive a letter in the mail and I never signed up for any kind of paperless notification. All my credit is on time and in good standing. The only change in my credit was their decrease of my credit limit and a Parent Plus loan I obtained for my daughters college education. I also can not gain access to my account to set up Autopay. I think this treatment is unfair especially with doing no wrong to my standing credit with this company. I had no history of late payment or over the limit for them to decrease my credit limit.

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 2022-02-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had a credit card account with XXXXSynchrony bank  . I had a past due amount of {$89.00}. I forgot to make my payment so they constantly called me. When they couldn't reach me they got my neighbors at # XXXX XXXX XXXX ( XXXX and XXXX XXXX ) to steal my packages from XXXXXXXX XXXX. They contacted XXXX 's and told them to deny any purchases I attempt to make at the store and to force me to call Customer Protection to verify my phone number. While speaking with Customer Service at XXXXXXXX XXXX the representative asked me to verify my phone number, whether I had a cell phone or landline and if she could call me back on the number. I have shopped several times via their website and have never had to verify my phone number. 
My account balance at XXXX is {$0.00}. XXXXSynchrony bank have engaged in several illegal tactics to collect their debt. From getting drivers to lie and to spy on me. In addition, my balance was {$270.00} on XX/XX/2022. They are charging me a {$40.00} fee for the late payment.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via XXXX certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?

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 2022-02-10 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that 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 2022-02-10 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: CA

Complaint narrative:
Last year I discovered a false account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX BANK, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX BANK XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report buXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that 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 2022-02-10 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: Verisk Analytics Inc
State: TN

Complaint narrative:
Verisk/Financial / LCI is XXXXncorrectly reporting an erroneous chapter XXXX bankruptcy on my credit report to XXXX XXXX and XXXX ( XXXX XXXX XXXXs ). Verisk/Financial /LCI maintains the United States Bankruptcy Court of Middle Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have ALL deleted the erroneous chapter XXXX bankruptcy from my credit file due to the discovery of my identity being compromised last year, while Verisk/Financial / LCI has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Hi, I ordered a corgi puppy to buy from a vendor through an online website. The vendor reached out to me with details about the puppy in the email. 
He charged me 850 $ for the puppy and told that it would be transported from north Caroline to XXXX. 

Once I submitted 800 XXXX the vendor told me that he started the shipment process with XXXX XXXX XXXX service. 

Once this started they sent me a tracking page on their website. Within a span of 1 day they charged me a total of XXXX . 

They asked me to pay for below mentioned amount and said that it would be refunded back with completion of delivery. 

Payments asked on XXXX XX/XX/2022 - 1800 $ for puppy crate. - paid XXXX $ for puppy travel insurance. - paid Payment asked on XXXX XX/XX/2022 - 3000 $ for vaccination - paid Payment asked on XXXX XX/XX/2022 a 7000 $ for quarantine facilities for the puppy. - unpaid Also they sent me emails with payment details and only asked for payment via Zelle. Attached screenshots with this complaint. 

I realized that this is scam and immediately reached out to bank. 
As all transactions were made over Zelle  they said they cant guarantee full returns. 


Information of scam vendors- XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I had two disputes for a merchant from 2021. The company is XXXX car wash which is managed by ultimate wash concepts. The first dispute was properly resolved from XX/XX/2021. The merchant charged me again on XX/XX/2021. The merchant has provided myself and Citibank notice of refund but Citibank closed the dispute and reversed the charge. Their own feedback to me clearly shows a receipt from the merchant showing the payment was refunded, but Citibank never processed this transaction. Subsequently, they denied my dispute. This is total mishandling of a federally required dispute process. 


I have attached the denial letter. I have attached the receipt showing the refund. I have also attached the emails from the merchant to myself and Ohio Attorney General Office. I believe this evidence is sufficient to obtain my refund and penalize Citibank.

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 2022-02-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I signed up for a Barclays XXXX XXXX Barclays Bank Delaware ) XXXX XXXX XXXX ( XXXX ) XXXX credit card on XX/XX/XXXX. 

Barclays promised that once I spent {$3000.00} on my card ( within the first 90 days of holding the card ) and paid my annual fee, I would receive 50,000 XXXX frequent flier miles ( See accompanying document Miles and More promise & my spending for their promise ). According to a Barclays representative, I reached this spending target on XX/XX/XXXX. 

I would need to allow 4 6 weeks after reaching this spending target to receive the miles on my XXXX XXXX XXXX XXXX account. 

I contacted Barclays on XX/XX/XXXX to see when I would receive the miles. They promised me by 4-6 weeks of the date I reached the spending target, approximately 6 weeks earlier. This call to Barclays was documented in Barclays case # XXXX. 

I have contacted Barclays frequently, since that time and about once a week since the beginning of XX/XX/XXXX. Barclays case numbers document some of the calls : # XXXX and # XXXX. 

It has been roughly 4 months ( 16 weeks ) now, since I reached my spending target. They have never contacted me in direct response to this item to explain any delay. More importantly, I have not received the miles. Please assist.

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 2022-02-10 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: PA

Complaint narrative:
Hello My Name Is XXXX XXXX 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 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 2022-02-10 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:
My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

1. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 3. XXXX - XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. 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 2022-02-10 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
I asked the company to validate and verify the alleged debt but they have yet to show me proof. The company also violated HIPPA Laws and violated U.S. Codes under the FDCPA The company sent me an itemized bill with medicines and procedures listed from a hospital, but they didn't send me a contract. The accounts need to be deleted and the invoice needs to be paid or I will file a claim against the company for Hippa violations and FDCPA violations. I will also ask for remedy, defamation, and other damages.

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 2022-02-10 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above bank reported to Experian and other credit bureaus that my XX/XX/2018 mortgage loan payment was submitted late for account # XXXX. 

I made the {$4500.00} payment on time on XX/XX/2018, and the bank representative provided me confirmation number XXXX for the payment made on said date. 

I have attempted to correct information on my credit reports but XXXX XXXX XXXX XXXX XXXX continues to inform the credit bureaus that the information they provided is correct. 

I have had two investigations completed by Experian to no success. I have attempted to resolve the issue with XXXX XXXX XXXX XXXX XXXX also without any success.

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