vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be 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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: GA

Complaint narrative:
I recently received in the mail a letter from Loancare LLC stating that they are now in possession of my Mortgage. My currant mortgage company is XXXXXXXX XXXX in which I had a legally binding contact signed in person with wet ink. Upon logging on to the XXXXXXXX XXXX website I noticed that Loancare is not affiliated with XXXXXXXX XXXX ( see attached proof ). They are a company held by holding company XXXX XXXX XXXX who is also not affiliated with XXXXXXXX XXXX. As I login into my account I receive a message that my loan has been paid in full ( see attached proof ). As is my right as a consumer, I request that Loancare LLC validate this debt by providing me with a legally binding contract signed by myself in wet ink, or any contract signed between myself and Loancare LLC ( see attached copy of validation of debt letter ). The letter was sent by certified mail ( # XXXX ) and was received by Loancare LLC. I am ensuring that the CFPB is aware of the possible fraudulent request to collect on a debt, to insure the following. Loancare LLC does not attempt to affect my credit rating in any way, that collection on this debt is not expected in any form until proven valid, and that no additional charges are added if the debt is determined valid. Loan number for XXXX XXXX XXXXXXXX.

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive sent in dispute letters to XXXX, XXXX, and Trans Union for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.

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 2023-05-03 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: NC

Complaint narrative:
Ive sent in dispute letters to XXXX, Equifax, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened an account with TD/XXXX  Account XXXX XXXX This account was set to autopay but it was attached to the wrong account, as soon as I was made aware of this issue I got it all straightened it out and paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have never been late with this account and have been diligently making my monthly payments. Therefore, it is unacceptable to see a late payment reported on my account. I kindly request that this late payment be removed from my account as soon as possible. Please refer to the attached documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: NM

Complaint narrative:
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. M.A.R.S INC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with M.A.R.S INC. I DID NOT ASK for it nor are they privy to contract with me. M.A.R.S INC. has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. M.A.R.S INC only responds to my dispute with old bills from previous company. NOT THEM.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never been late with this account and have been diligently making my monthly payments. Therefore, it is unacceptable to see a late payment reported on my account. I kindly request that this late payment be removed from my account as soon as possible. Please refer to the attached documents for verification.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have never been late with this account and have been diligently making my monthly payments. Therefore, it is unacceptable to see a late payment reported on my account. I kindly request that this late payment be removed from my account as soon as possible. Please refer to the attached documents for verification.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this 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 non-monetary relief
Consumer complaint received 2023-05-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 has violated my rights. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-1 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be 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 non-monetary relief
Consumer complaint received 2023-05-03 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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: DE

Complaint narrative:
I do not owe this debt to XXXX or R.A.Rogers I recently put in a complaint of Identity Theft against R.A.Rogers.I am now asking for a second time with XXXX provide me with a contract between myself ( Natural Human and original Creator ) and XXXX  ( corporation ). Notice A contract is All parties must agree about an offer made by one party and accepted by the other. Something of value must be exchanged for something else of value. XXXX did not produce anything of value, my social and signature did and so did the dealer. My contract was with dealership and they also committed identity Theft. I never signed a form saying reach out to XXXX and give XXXX my personal information. Pursuant 15USC 1681c ( 2 ) 15 USC 1681q ( 3 ) and permissible purpose is not being used and fraud and identity theft has been proven. attachments below. A charge off for over {$11000.00} is being reported and over {$14000.00} is being reported by the NCRAs this is all inaccurate information and identity theft and fraud is being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I reviewed my credit report and found my score dropped XXXX points because credence resource management reported false information on my report stating i had a cable bill from XX/XX/XXXX and as a open account i called spoke with member of management told was fraud and i need documents never got any proof of debit. I sent 4 emails to credance XX/XX/XXXX i recvived an email with an attachment i could not open my zip code did not work i sent an email right back informing credance of this. I recvied a response at XXXX my time on XX/XX/XXXX just to say they got my response. I sent more emails reguesting proof of debit i got two more emails XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX XXXX. As of today XX/XX/XXXX i still have not recived an proof of this debit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have attached the emails and bank deposits along with the banks schedule of my XXXX XXXX XXXX account. 

There was {$160000.00} in existing client trust funds which had been in my account and collected. 

I received the first cashiers check via XXXX XXXX ( see copies ) on XX/XX/XXXX which I deposited per the Sellers instructions ( all in the e-mails attached ) I forwarded the entire email string to XXXX at XXXX and per the email instructions we wired {$90000.00} to the directed Citibank in MD. 
Per the XXXX and executed representation agreement, I transferred {$2500.00} to my operating account. 
On XX/XX/XXXX, I received a second cashiers check via XXXX XXXX drawn on the same bank ( in pdf ), I went down to XXXX that morning and per instructions wired {$97000.00} to the same Citibank MD account as before. The wire was instituted the same morning I deposited the cashiers check. The title to the Citibank XXXX was XXXX XXXX XXXX. 
I called XXXX XXXX and left a voice mail on Wednesday XX/XX/XXXX telling him I was feeling weird about the wire transfers On XX/XX/XXXX, the bank debit the first cashiers check for XXXX when it was returned uncollectible. XXXX never verified the funds were good before wiring same even after the voice mail to XXXX. 
On XX/XX/XXXX, when the bank discovered the first cashiers check was bad, they stopped payment and debit the second deposit out of my account as pending uncollectible because they knew there was fraud. 
I met with XXXX, the fraud lady at XXXX and she instituted a XXXX recall from Citibank in MD. 
We also met with the XXXX XXXX and filled out a police report. XXXX XXXX XXXX XXXX white collar crime on XX/XX/XXXX. XXXX XXXX XXXX XXXX The banks general counsel ( I talked to him this week ) is XXXX XXXX XXXX. His email is XXXX. 
The bank is denying any responsibility for the problem although XXXX ( wire transfers ) asked me afterwards how I received the checks and I told her XXXX and she said she could have told me that was a scam. 
I have attached data from the NJ law firm that was scammed by Citibank transactions to XXXX. 
XXXX ( XXXX XXXX told me the funds had been wired to Citibank to XXXX XXXX in XXXX. 
I have filed reports with the FBI, FTC, FBI, OSBI and the FDIC. 
I have attempted to contact the NJ law firm several times. No return call. 

XXXX knew or should have know there were scams and they wired uncollected funds without verifying their authenticity the same day the were deposited ( on the second wire

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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I initiated a {$7000.00} withdrawal to my external account on XXXX. I was given no indication that there was a problem with this transaction. On XXXX  I chatted with Goldman to inquire as to why the transactions was still " pending. '' I was advised that it had been " flagged '' and I needed to call in. I was never advised via email, call, text, etc. that this transaction was never going to actually go through and I have been waiting blindly for a week for access to my funds in my external account. 

I called customer service at XXXX three times on XXXX  After speaking with the initial agent, I was told that I needed to " verify '' the transaction and that I would be transferred to that team. All three times, I was never spoken to again after being transferred and each call I sat on hold 1.5 to 2 hours with no acknowledgement. 

On the third call, I advised the initial agent that I would just like the transaction cancelled at this point so the hold on my funds would be released and I could just initiate the transfer from my external bank instead. I was told they can not help with that and placed in to the same call queue even though I advised her I would be filing this CFPB complaint if the same thing happened again, which it did. They seem to either just not care or the first line agents are not provided sufficient internal training to understand what that means. 

At this point I have no access to my funds and no ability to speak to anyone about it to solve the problem since there are no agents accepting the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. Equifax reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as Equifax. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that Equifax is incorrectly reporting the account as closed, and the score dropped three points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some XXXX  trying to commit fraud and Equifax did the sme wrong thing again.

Company response to consumer: Closed with explanation