vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group
State: TN

Complaint narrative:
On XX/XX/XXXX Superlative RM attempted to contact me over an alleged debt via phone. I have no idea who this company is and I have not consented to do any business with them. They also have violated 15 U.S. Code 1692g as i did not receive a 1692G letter and I haven't been able to dispute an alleged debt that they claim. I will not tolerate my federal rights being violated and I will not be harassed by phone calls from a company that breaks federal law. I demand Superlative RM to cease collection activity, I demand Superlative RM to close this file within their offices, and I demand Superlative RM not to report to any credit bureaus. If Superlative RM does not comply with the things asked above I will receive legal counsel, and Superlative RM will be held accountable to 15 U.S. Code 1692k for the violations they have made. As of XX/XX/XXXX Superlative RM shall cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
Been trying to make a withdrawal from my account. Can't get in contact with no one. And my money is just sitting and I can '' t get it out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi/AAdvantage Platinum Select Card refuses to return a {$99.00} annual fee payment made automatically XX/XX/XXXX as AutoPay XXXX on my separate bank account, under Citi 's AutoPay system. After a number of calls yesterday, XX/XX/XXXX to their customer " service '' number, the situation that has emerged due to my desire to cancel the card and close the account while applying the above fee to my current billing, has not been resolved. This due to the complete refusal of Citi to consider my contention that there was a lack of proper notice of an upcoming annual membership charge in XXXX. So without notice beyond a routine statement, and in my view improperly using the AutoPay system that I unfortunately agreed to in the past, I am now stuck with a credit card that I do not wish to continue to own because Citi Cards refuses to return the annual membership fee. After spending an hour yesterday trying to cancel my card and get a refund, and being subjected to the endless series of " offers '' proffered for me to remain a customer ( and the insolence of a supervisor, " XXXX '' ), I got exactly nowhere. As there is no way to forward a specific complaint to anyone with authority at Citi, I am left with no alternative but contacting the CFPB. 
In my view, given the existence of an AutoPay system, a minimal effort on the part of Citi to communicate the upcoming yearly renewal is needed, instead of the " gotcha '' approach currently used, alleging the existence of a lenghty contract full of legalese which few people read fully, as intended by Citi. 
Furthermore, the extraordinary reputational risk Citi is willing to suffer though its underhanded tactics represents a clear financial stability risk for Citi, and thus the financial system as a whole. For my part, I will do my best to enhance reputational risk for Citi.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed charges of fraud with XXXX XXXX for my bank to reimburse me of charges. I did authorize charges but the company scammed thousands of patrons for the music festival. XXXX  XXXX  ( place whew event was to take place has filed a lawsuit against music getaway ). I submitted proof of XXXX letter and letters from other patrons, I have submitted a claim twice to her funds back to no avail. There is a XXXX XXXX dollar lawsuit against the company form several people and they have sinced changed the name of the company. Please help me to get my funds replaced so I can also drop Citibank as my primary banking source. The payments made to music getaway for rooms and concert are never made to XXXX XXXX to secure rooms, I was informed that my account was canceled and not to show up because hotel-was sold out, not true, ( I went online and was able to book a room within hours of them telling me that ). I have proof of others stating they told them their account was canceled also for missed payment, that was my first t clue that something was amiss, I had ample money in my account to cover all payments, the company stated they tried calling me and emailed me, not true

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 2023-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies are reporting an inaccurate account. The account XXXX XXXXXXXX is being reported as 60 days late when I was never late in XXXX or XXXX of 2019. I am demanding that this account is updated and the lates removed from my credit report. The credit reporting agencies are also reporting inconsistent information. How is different information reporting when all data furnished should be the same? It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Lastly, this account was transferred, and I was never late with this new company, so you need to remove the lates from my credit report. Please see the attached inaccurate report showing the different information you are reporting for the same account number. Also see the dispute letter that is dated, and time stamped. The account that I am disputing is highlighted. Update this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the XXXX order that is issued in the United States District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I tried to login into my trans union acct and check report. It wouldnt let me so I called and they told me someone else is connected to my ss #. Someone named XXXX XXXX. Idk what to do and they didnt help at all said they would get back to me but they havent and this stopping me from being able to verify my id with other things in my life. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The bank reordered the posting of charges in my account which led to the draining of my savings with its overdraft protection program.I posted my payment for rent a big purchase on XX/XX/15 with the rental companys disclaimer of a day for processing the reordering of these charges caused almost {$400.00} to leaving my saving account which wouldve been unnecessary with the correct order of charges the banks restructuring of these charges caused me to lose these funds completely

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 2023-04-19 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
Fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, XXXX, and TransUnion requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Auto gave my account with my email address to another individual and that person Is pretending to be me. This person is using my email address and my credentials to access my account. I am locked out of my financial account and the other person is using it. I attempted to fix this and Ally says they can't give me any information but I get lots of emails stating this person has taken over my account since XX/XX/2023. They said they can't give me any information and I will not be allowed to access my account and that Person continues to seize my personal 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 2023-04-19 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inquiries and I don't know most of them. 

Regular Inquiries : XXXX XXXX XXXX  on XX/XX/XXXXXXXX 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 There is one more account opened on XX/XX/XXXX, but I do not know the company associated with the account as I find out I can not logged into my TransUnion Account. 

I have already closed the XXXX credit card account because this account was not open by 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
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
I have sent Transunion a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX XXXX XXXXXXXX should be deleted from my credit immediately because it was purchased by another lender and they are already reporting the account as a collection. Transunion is committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. I have attached my credit report showing that both of these accounts are reporting illegally. Please delete this account from my credit report within 15 days

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 2023-04-19 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: NJ

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-19 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-19 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: NJ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my capital one secured platinum card and paid the balance in full. It has been over a year and they refuse to send my XXXX dollar deposit back. They had me send various documents and told me I would get the check in XXXX weeks. I have sent them these documents 3 times. Now they are requesting them again. They will not givee my refund.

Company response to consumer: Closed with monetary relief