vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
In XXXX of XXXX I received a call from a Citibank representative asking me if I had made some cash withdrawals on my Citi XXXX  card at a XXXX in XXXX Hi. I answered " No ''. She recommended canceling the card and reissued me a new one. When I asked about the fraudulent charges she said that they would be transferred to the new card and after an investigation if it was found that the charges were fraudulent, the withdrawals and any accumulated interest charges would be removed. I was told the investigation could take up to 90 days and that the investigator would get in touch. A month or so later I received a letter from Citibank saying that the investigation was finished and that there was no fraud found because it was determined that my card chip had been present when the withdrawals were made at the XXXX in question and because I had not lost or lent the card to anybody, it was my responsibility. On XX/XX/XXXX I sent a letter disputing their determination and included my banks debit card records showing I was in XXXX at the time of the withdrawals. It has been 6 weeks now since they received the information and as of today I am still being held responsible for the fraudulent activity.

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 2023-06-04 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-06-04 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I have been notifying Early Warning Services since last year that I am victim of identity theft. I have sent numerous of disputes, Ive contacted the Federal Trade Commission and created multiple reports outlining the details of the identity theft and fraud pertaining to the XXXX account information being reported on my consumer report. I have provided multiple police reports explaining how I am a victim of identity theft. I have provided these same documents to XXXXXXXX XXXX. Regions responded to my CFPB complaint on XX/XX/2023 that they have investigated that I am a victim of potential fraud, which I have attached to this complaint. Early Warning has sent me several letters ensuring me that this informs has been blocked and deleted, which I have also attached to this letter. On XX/XX/2023 I received a email stating that they have reinserted the XXXX account to my consumer report!! WHY???? Early Warning keeps persistently violating my rights as a consumer pursuant to the FCRA. Ive taken every step to recover from this horrible financial difficulty. Early Warning is making my life even more difficult by being unfair and unjust by not following the proper protocols of the law. Early Warning services has a duty to uphold to ensure my information is accurate and complete pursuant to 15 U.S Code 1681c-2. Early Warning has not provided me with any proof that this information should be reinserted. Regions responded that I am a victim of fraud so why did Early Warning Services reinsert Regions account. Early Warning has not sent any updated consumer reports reflecting their decisions. I am in the process of starting legal processes which will result to small claims action against your company for your willful noncompliance to correct this issue and Early Warning will be held liable! I will be seeking {$5000.00} in damages for XXXX. ) Defamation, XXXX. ) Negligent Enablement of Identity theft and XXXX. ) Violation of the Fair Credit Reporting Act! I have accounts that have been frozen and closed due to your company being non compliant. I have been in touch with my attorney general for help with this because Im not getting any help from a company who states that they comply with the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Liberty Holdings, LLC
State: TX

Complaint narrative:
I have a problem with several creditors, who reporting missing information to my credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting wrong information to the credit bureau also , which is incorrect. I do not owe them anything. 

Then I have XXXX XXXX XXXX XXXX that had a settlement and paid in full, the credit reporting agencies are refusing to correct it reflecting the correcting information so my credit can improve, however they're their showing a full balance owed which is incorrect on my credit reports. 

Another, XXXX  XXXX XXXX XXXX XXXX where there was a settlement was made and the credit reporting agencies refusing to make changes to reflect that information. 
All information are attacked.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
My younger sister went to the XXXX XXXX XXXX store back in XXXX to return an XXXX as she was switching over to XXXX XXXX XXXX. The employees there took the phone, closed her account & told her she can go without giving her a receipt. She asked for one and they told her she does not need to worry about that. That is where the problem started. 

had to go to XXXX in XXXX because of an overcharge made to my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ) and was told by an agent on the phone that the XXXX was never returned & that I owe {$720.00}. I told her & it was been returned & that the associate stated there was nothing due on my account. I was also told that matter was resolved & it would not affect my credit so I do not need to worry about anything. 

Fast forward to a month & a half ago : my younger sister contacted XXXX in regarding her old phone number ; the agent assisted her but then stated there was a balance for the XXXX  once again. We both told the agent AGAIN, that matter was been resolved. She ( the agent ) said she will remove the amount from the closed account.

Yesterday I checked my mail & see a letter sent by Source Receivables Management that my XXXX account has a balance of {$780.00}. 
I am very frustrated as I have been told multiple times that the amount of {$720.00} was removed, & the fact that the phone was returned ( which was REQUIRED in order to close the account ). I would like for this issue to be resolved as soon as possible. 

I also see that this is very common with XXXX still charging previous customers for phones that have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To : JP Morgan CHASE & CFPB Chase justly, unlawfully closed bank account and they are not in compliance with the LAW 31 CFR 225.5 Is it the banks internal policy to record the borrowers collateral security promissory note with an actual cash value as a bank asset to offset a new credit liability?

Is the bank to follow the Federal Reserve Board of Regulations, under the Federal Reserve Act, particularly section 13, pertaining to collateral securities in exchange for equal amounts of Federal Reserve Notes, that does not SSN NOTES ARE GOV OBLIGATIONS require a loan, from the export of such collateral securities into the Fed District? 

Is Chase making all disclosers available and knowledgeable to the public? 
12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption 31 U.S. Code 1557 - Authority for exemptions in appropriation laws Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
What Im not understanding is this company says they cant identify me but locked me out of my account but still taking money from my account for a service I am not receiving sent in my member I D but still cant get in my account what gives them that right if you cant identify someone why keep collecting money cant handle this anymore XXXX  has taken over cant sleep knowing this company allowed my identity to be stolen and account hijacked but taking money from me and email changed to someone at their company Ive given all the information proving thats my account theres something not right with their investigation

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 2023-06-04 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: GA

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 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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-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 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 2023-06-04 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: GA

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 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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-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 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 2023-06-04 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:
I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Late Payments to Update : XXXX. XXXX Inquiries to remove : XXXX. XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX. XXXX 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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX TD AUTO FINANCE XXXX UNION HOME MORTGAGE XXXX XXXX XXXX HM XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE CREDIT XXXX XX/XX/XXXX BANK OF XXXX XXXX XXXX BANK XXXX XXXX XXXX SYNCB/ROOMSTOGO XXXX THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME MORTGAGE XXXX XXXX XXXX HOME MOR XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THD/CBNA XXXX XXXX FIN SVC XXXX XXXX XXXX XXXX TD AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-06-04 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:
THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT.

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: GA

Complaint narrative:
MAURY COBB ATTORNEY AT LAW LLC has sent a letter trying to collect a debt stating I owe to XXXXI have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information?. What is your authorization of law for your collection of this alleged debt?. Right to Privacy Act of 1974 also protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol disclosure of non public information without the knowing and expressed consent of the consumer. 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.15 U.S Code 6803 Disclosure of institution privacy policy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
Flagstar negligently handled accounting of my mortgage and my payment of {$2300.00} wasn't applied to my loan and became a " Suspense Account ''. After many attempts for me to get them to fix that they still didn't comply and to make the matters worse they reported late payment to my credit reports.

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 2023-06-04 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: WI

Complaint narrative:
Equifax is reporting a closed collections account with the XXXX XXXX XXXX. I have no affiliation with this company. My relationship and debt with XXXXXXXX XXXX was remedied directly with XXXX XXXX. There was no debt available for XXXX to purchase this is a fraudulent report on my credit I have paid no money to XXXX and have no relationship with XXXX. This fraudulent report must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
National Credit systems nor the original creditor XXXX XXXX XXXX  ever sent me anything in the mail in regards to this debt. I never knew about these alleged charges until they appeared on my credit report. National Credit systems won't investigate this debt thoroughly. The supposed Itemized list sent to the collection agency was never given to me nor was I ever aware or notified of a balance owed. I did not get the opportunity to speak with the original creditor about this alleged debt or why I was being charged anything. I never got the chance to dispute this with the original creditor or even try to go to court for this alleged debt. I never received any pictures documents etc before it just appeared on my credit report. Had I have not tried to dispute this information I would have never knew it was allegedly owed. The original creditor XXXX XXXX XXXX  had my forwarding address email as well as my phone number. And they never tried to get in contact with me for this alleged debt so that I can try to pay it off or dispute it directly with them. Before we'll rain from this unit. I was required to fill out a notice with my forwarding address as well as email and phone number. So they do have those documents on file. National credit systems just keep sending an itemized list provided by the original creditor however, as I stated before, I was never given that information. It has also been passed the time frame in which this debt can be collected via the Colorado security deposit law. Overall had I have known about this debt before hand I could've had a better opportunity to get a handle on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have tried to contact the credit card bank. The phone number goes to a recording. I have left a message to call me and never received a follow-up response.The bank 's address is only a XXXX XXXX XXXX. 

My XXXX credit score went from XXXX in XXXX XXXX XXXX down to XXXX in XXXX XXXX XXXX  on my XXXX card statement. 
Comenity Bank/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX They allowed someone to open a credit card under my name and the final charge is currently at {$9500.00} The account has been closed, my credit score has returned into the XXXXXXXX XXXX. 
However, the debt continues to remain on my credit history. 
I would very much appreciate having it removed from my credti history. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief