vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank allowed 2 purchases when we did. Or have enough money in a basic checking account. Then the fee came in and they run program s to prove they are right when they are incorrect. It helps them not return the fee

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 2021-08-10 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:
I was victim of Identity theft. My personl information was stolen and used to opened up an account with XXXX XXXX. For {$10000.00}. I have filed a police report notified this company about the fraudulent activity. I also contacted Equifax and disputed this company twice, XXXX XXXX was deleted twice off my equifax cedit report and now has opended an duplicated account to report again. My compliant is with Equifax once I disputed this account and it was deleted once, it should've been blocked not deleted twice and put back on again, Also XXXX XXXX has opened a duplicate account and that is against the law. I would like Equifax to block and delete this account XXXX XXXX off my credit file and any other reporting inquires I did not Athorized permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I tried to request a credit card through American Express as a natural born living consumer. American Express only had one option as far as a form to fill out to request the credit card. They had an application for a credit card that involved me being forced to click a consent button in order to try to receive a credit card through American Express. The consent button that American Express forces their consumers to click, forces the consumer to give American Express to look at non public information of the consumer. Also pursuant to 15 usc 13, a corporation is not to deny or deprive consumers of like commodities or services. Therefore, American Express is discriminating against me as a consumer. If American Express approves certain consumers due to a decision based from nonpublic information then they should lawfully approve every consumer. Im in fact a consumer, a natural living person, and not a citizen. Im in a sovereign XXXX XXXX XXXX. Not only are my consumer rights being violated but my religious beliefs are as well. My consumer rights and my religious beliefs both state that I am in fact the Original Creditor of any and all consumer credit transactions. The constitution also states in Article 1, Section 10, clause 1, that there is NO LAWFUL money in circulation. There is only credit due to lawful money ( gold ) being confiscated by the US corporation. So American Express is denying me credit thats due to me. If there is no lawful money then i cant pay on a debt. Pursuant to 18 usc 8, all debts are obligations of the United States. I also have 2 recorded phone calls that are too big to be attachments on this site but i do have handy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: MS

Complaint narrative:
I am a victim of identity theft. I have filed a report and ask that the unauthorized charges be removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE SEE ATTACHMENTS OF PREVIOUS VIOLATIONS : XXXX XXXX  - Closed 9 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Legally paid in full for less than the full balance NAME : NOT MINE : XXXX XXXX NOT MINE : XXXX, TX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I gad a navy federal credit card the payments were being made through my business account. I raised the monthly payments up to {$300.00} per month to pay the card off. 
After a year or so months. I called to see what my balance was they told me it was XXXX something. I went to the Navy federal branch in XXXX Tx asked for a copy of my statement. I saw several items that were fraudulent. I was told to call the credit card department. I called them and express my concerns or the fraudulent items. I was told that they were over 60 to 90 days old that I had to pay them. I explained to them that they were that age due to me having never receiving a statement. I was told they send statements out every month. I asked them where were they sending the statements. 
Since I was paying through my business and lots of cash was being made I never gave them a place to send statements. When they checked she agreed with me that they didn't anywhere that they could have been sending the statements. They then asked what was my address so they could send me a paper to sign to dispute. But in actually they were using it to confirm with the credit bureaus that it was legit. I continued to pay what I knew that I used which was {$4800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank makes it increasingly difficult to request credit card agreement and terms. US Bank makes it increasingly difficult to file disputes on charges. US Bank credited me back XXXX cents XX/XX/2021 for my dispute on a merchant charge plus my rewards credit of XXXX cents on XX/XX/2021. US Bank subsequently stole my money from a dispute and rewards redemption claiming they are unable to mail a check for under a dollar. US Bank made it difficulty to receive my funds back stating I would have to make numerous calls for a resolution. On XX/XX/2021 I called to speak to card member services representative XXXX who requested a manager call back on my behalf. Final resolution still pending on numerous issues.

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 2021-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting the balance and status of a charge-off auto to TransUnion and XXXX. The account has been settled for less than the full balance, and is reporting to XXXX correctly with a {$0.00} balance owed, and settled.

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 2021-08-10 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: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting the balance and status of a charge-off auto to XXXX and Equifax. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXXmany unauthorized transactions occurred on my account ( details attached ) I have notified my bank ( Chase ) that those transactions were not done or authorized by me on XX/XX/XXXX On XX/XX/XXXX, the bank sent me a notice ( attached ) saying that they found out that I have authorized these transactions. Since this is not the case, I have contacted them and they said that it has been done through one of my devices. I explained that it is not possible since I had all my devices with me. Then they gave me a description of the device ( brand ), and this is a brand I bever heard of They now say they will take back the credit from my account, and I do not. agree with this since these are not transactions I should be responsible for Please let me know what else I should do Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solutions is trying to scam {$590.00} out of me saying that it is owed from a company called XXXX. They are saying that I am past due on a loan from XX/XX/2021. I have not used XXXX in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to Credit Bureau Systems requesting validation of 4 medical accounts from original creditor XXXX, which CBS is reporting to XXXX and XXXX. In CBS 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from CBS to my second letter. I mailed certified letters to both XXXX  and XXXX making them aware of these HIPAA violations by CBS. In my letters, I included copies of CBS 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from CBS, XXXX, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX  and XXXX  on 2 separate occasions. 
1st and 2nd letters to XXXX and XXXX were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: MO

Complaint narrative:
On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to XXXX and Equifax. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both XXXX and Equifax making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, XXXX, or Equifax after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX and Equifax on 2 separate occasions. 
1st and 2nd letters to XXXX and Equifax were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collections, Inc.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Yes XXXX XXXX has been trying to make me pay a debt I was already in contact with XXXX  they did not comply with them with what was said to be done for a resolution the account is suppose to be paid of by them upon there error and they are still making the same mistakes hopefully you can get them to settle this account on their own accountance and error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$14000.00} To Whom it May Concern, Navients attempt to validate your claim is vague and insufficient and the documentation that has was submitted is vague and lacking competence. 

Wet ink copies of statements or application bearing my signature were NOT provided. 

Proof of a contractual agreement with bearing my signature was NOT provided. 

Navients computer screen print outs submitted are vague, lack competence and are therefore unacceptable. 

Navients attempt to validate this claim is therefore unsatisfactory. 

Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of XXXX in their question to damage my credit standing. XXXX retaliatory tactics for filing a complaint against XXXX  with the North Carolina Office of Financial Regulation. 
Furthermore, due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you. 

I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth. 



Sincerely, XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation