vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 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: NC

Complaint narrative:
Dear Experian, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX XXXX XXXX  XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : 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 2022-01-20 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Currently hold a credit card with Capital One, have had this line of credit open for over 10 years and have never missed a payment and have paid the card off multiple times. Currently carrying under XXXX on the card and making regular monthly payments above the required amount. The scheduled payment was made to Capital One XX/XX/XXXX above the required amount. On XX/XX/XXXX Capital One automatically took XXXX payment out of our account without authorization. We had our auto pay canceled on XX/XX/XXXX and had made a payment in full on XX/XX/XXXX. Our Autopay had been canceled for months we never gave Capital One permission to automatically withdraw payments. Made a phone call XX/XX/XXXX when the issue was discovered spoke with a representative named XXXX. XXXX stated that even if we cancel our auto pay and make on time monthly payments Capital One has the right to continue to pull payments from our checking account at will. XXXX also stated that he could not and would not return the unauthorized amount back to our account. XXXX stated that we could file a complaint with Capital One and have someone reach out to us in 15 business days. The information given to us is not located anywhere in Capital Ones terms and conditions nor is it listed anywhere on their website when you cancel your autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

EQUIFAX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX  Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX  XXXX and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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.
State: FL

Complaint narrative:
XXXX : Has incorrect information on my Credit Report that needs corrected ASAP. They have my balance {$67000.00} as of today XX/XX/2022, Payments {$520.00}, Total Accounts 22, Inquiries 15, Credit Utilization 100 % with a credit score of XXXX. 

XXXX : Has my balance at {$14000.00} as of today XX/XX/2022, Payments {$480.00}, Total Accounts 6, Inquiries 5, Credit Utilization 68 % with a credit score of XXXX EXPERIAN : Has my balance at {$14000.00} as of today XX/XX/2022, Payments ( DOES NOT SHOW ), Total Accounts 6, Inquiries 4, Credit Utilization 77 % with a credit score of XXXX. 

As a XXXX XXXX Veteran, I am highly disappointed at this mess. Is this what we as consumers have to deal with? This is a very serious matter here about how dysfunction these credit Bureaus are. I served in XXXX XXXX XXXX  and could have never been this dis-organized, or my men would have perished. I put my trust in these bureaus to update speedily in a timely matter and I get junk .... THIS IS UNSAT!!!!!!!!!!!!

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Debt collector has put multiple derogatory entries for same XXXX debt owed. I have sent them proof it was paid and they still wont remove it and continuously put it on my credit multiple times when its the same debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I have requested for validation of an alleged account that continues to report on my XXXX credit file. I am in possession of statements mailed to me on XX/XX/2021 in response to my earlier demand notice from Lewis McDonnell & Associates. It's clear to me that this is UNRESPONSIVE to my demand and the alleged debt is UNVALIDATED. I asked them to please CEASE and DESIST all reporting and collection effort immediately. They have not. 
It seems that they purchased something that stated one thing and they are asking for {$2400.00} more than what was purportedly charged-off per their letters. I have attached the items that I've asked them to provide me that would say that they are authorize to ask me for any money. They refuse to. They are violating 15 USC 1681a ( 2 ) ( a ) ( i ) 1692g, 15 USC 1692g, 15 U.S.C. Sec. 45 ( a ), 15 USC 1692e ( 10 ), 15 U.S.C. 1692j and more. 
This fraudulent account was removed from XXXX and XXXX. 

Lewis McDonnell & Associates and XXXX have ignored my request for proof of validity of an alleged account. It is negatively affecting my credit file. I provided them with some laws they are not adhering to and is violating my consumer rights. 
If there is anything you could assist me with regarding this matter, I would greatly appreciate it. 
Im looking forward to hearing form you. Thanks in advance.

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 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2022, I contacted SYNCHRONY BANK/ TJMAXX and asked for a debt validation letter. XXXX, with employee id XXXX stated that I needed to send a written correspondence to SYNCHRONY to request a debt validation letter. This is a direct violation of 15 USC 1692g. SYNCHRONY is preventing my ability to exercise my rights to validate this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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:
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 is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Was texted the following message from ( XXXX ) XXXX : NAVY FEDERAL CREDIT UNION : Did you attempt {$200.00} on debit card at XXXX # XXXX XXXX XXXX XXXX? Reply YES/NO/HELP. Dont want fraud txts? Reply REMOVE. 

I replied yes and was called from ( XXXX ) XXXX ( XXXX XXXX collect number ). 

The caller knew my account number and my previous address ( I gave the state of my current address and he said it was listed as a secondary address ), but requested I give additional information to verify my identity. I provided my personal info ( including my SSN ), but knew something was awry when i was notified my account password was changed and they guy I was talking started talking about wiring money. At that point, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Hello, with settlement that was recently announced, I feel more confident in asking that my private student loan ( taken out while attending XXXX university ) be discharged. XXXX marketed Sallie Mae as a preferred lender, and engaged in deceptive and coercive tactics to obtain enrollments, I was encouraged to enroll and take out a private loan, and I was not supported in my program once admitted. When I called Sallie Mae ( now Navient ) years ago to address this, I was coached into forbearance which drove my balance up. With the principal and interest I have paid already, can you let me know what next steps I need to take to get my private loan discharged. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried to purchase a computer for my child in best buy, when I never received the product, I called best buy and was told it had been delivered. I let the rep know i never received the product. upon checking best buy informed me they had made a mistake and sent the product to the wrong address. that they would issue a refund. its been over a year and im still having 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 2022-01-20 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: FL

Complaint narrative:
XXXX XXXX  has a collections acccount open in TransUnion and XXXX but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.

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 2022-01-20 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: OH

Complaint narrative:
I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXXXXXX XXXX  to access my credit profile. In return the representative told me that they can not delete the inquiry.

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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX XXXX a fraudulent transaction in the amount of {$1000.00} was posted to my account with Capital One checking and I called that day to dispute the transaction and shut off my debit card. On XXXX XXXX XXXX Capital One credited my account {$1000.00} while starting the investigation. On XX/XX/XXXX, without any warning or any communication from Capital One on the matter, capital one reversed the credit to my checking account causing my account to go into the negative. I immediately called to see why they reversed the credit only to be told that the investigation proved that I made the transaction. They have still not credited the {$1000.00} back to my account nor have they provided me with any details on their investigation or asked for any supporting information on my part to prove I didn't make the charge. I don't even know what XXXX XXXX ( the transaction name ) is but if it has anything to do with XXXX, I can prove that I have never spent a dime through that site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
company is reporting this unauthorized information on my 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a Citibank Priority Checking acct on their website on XX/XX/XXXX. 

https : //online.citi.com/US/ag/banking/special-offers I deposited $ XXXX as instructed on XX/XX/XXXX to receive a {$700.00} bonus after 60 days. I followed up after 60 days, and I was told by customer service via chat that I did everything correctly and that after the 60 days, I would have to wait another 90 days until XX/XX/XXXX to receive the bonus. 

That date came and went and I received nothing. At that point, I contacted customer service again, and they said that there was no promotion code associated with my acct when I opened it. I never received one when opening, but I used a link to a promotion on their own website that is still active and followed all of their instructions. 

I also see other users on the XXXX  website having the same issue being denied the bonus during the past year or two. I tried to open an appeal case with citi through case ID XXXX and the banker who helped me open it tried to list a promo code that he found. He thought that would increase the chances of my appeal being approved. It was denied. I called citi again to follow up on the appeal but I was getting nowhere and they do not provide any reasons that make any sense. Now they do not respond to any of my requests for an update. I still have my {$50000.00} tied up in their account waiting for my bonus.

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 2022-01-20 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my 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 non-monetary relief
Consumer complaint received 2022-01-20 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: 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 is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OH

Complaint narrative:
I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXXXXXX XXXX  to access my credit profile. In return the representative told me that they can not delete the inquiry.

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 2022-01-20 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: OH

Complaint narrative:
I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXX NA to access my credit profile. In return the representative told me that they can not delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.c. System, Inc has reported a derogatory account on multiple occasions with XXXX : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The amount reported is {$88.00}, but has impacted my credit score significantly. 

I have contacted the company via phone multiple times and via US postal service to try to resolve this issue. I do not know what this amount is for or the original creditor.

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 2022-01-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted Experian in XX/XX/2021 and let them aware that I did not live at XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. XXXX and XXXX do not have this address listed at all. The representative told me that the address will be deleted off of my credit report. It has not been deleted.

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