vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: HI

Complaint narrative:
In XXXX of XXXX I moved to Hawaii where I live and work full time. I have made no trips outside of the state since I moved here. In the spring of XXXX someone in North Carolina fraudulently opened a citicard credit card account in my name. I became aware when I was notified of the card being locked via a text message, which I at the time assumed was spam and ignored. Months later I was notified by my credit reporting that there was an overdue account in my name and at this point I realized what had happened and called citicard to report the fraud. I received no contact back for a year and assumed it had been resolved until I received another warning from my credit reporting. I contacted citicard and learned that my claim had been rejected, though they had never discussed the case details with me. I appealed their decision and was able to speak with an investigator on the phone and provide documents to show that I lived in Hawaii at the time the account was opened and the charges were made in North Carolina. This time I was mailed a letter saying my claim had been rejected on the basis that the credit card had been mailed to my address ( which it hadn't ). Even if that was true, clearly it was used fraudulently ( ie not by me ) as I was in HI when the charges were made in NC.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
I personally believe I am being taking advantage of by charging me {$120.00} each month for removing negatives items from my credit report. My FICO Score with all three credit bureaus : XXXX FICO Score still remain at XXXX, XXXX FICO Score Still Remain at XXXX, and also XXXX FICO Score remain at XXXX. I have been client of LexingtonLaw sense XX/XX/XXXX through XXXX. They are not being honest with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My only mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX as I told them in a written letter with clearly legible photocopied acceptable ID. I received a rejection post card from them with bogus reasons.

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 2021-09-13 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: MI

Complaint narrative:
I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2021-09-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account with Regional Acceptance Corporation is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that Regional Acceptance send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2021-09-13 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: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I attempted to dispute a derogatory mark on my credit report for FAIR COLLECTIONS & OUTSOURCING through the XXXX website and was unsuccessful in submitting my dispute. There was a message stating that my 'dispute submission failed '' due to the fact that I have already filed a dispute for this item. I called exprian to requested proof that this debt is valid and they instructed me to contact the creditor, which I have been unsuccessful in getting debt validation from them as well. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, FAIR COLLECTIONS & OUTSOURCING has violated my rights as a consumer and Im requesting legal action to remove 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 explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
This debt was sold once again after O have taken it off my credit report through the dispute process. Now they are trying to collect again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
This company has sent collection notices, called and harassed me this past Wednesday ( the same day we were BURYING my grandmother who just died the previous XXXX ). They are falsely trying to collect on a debt not even 'owed ' at all to the XXXX XXXX service ( whom will not even schedule a package pick-up at all, until the postage/handling fees are already paid to them online ( prepaid ) first ; In excess of over {$250.00}. This company needs reported for their activities and extortion attempts. I only pay the ORIGINAL creditor ( s ) and I pay them 'directly '. It will NOT reflect on your credit positively, otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Verisk Analytics Inc
State: MI

Complaint narrative:
I sent a letter requesting verification of my bankruptcy. Which I didn't get, I requesting that the bankruptcy should be removed. I also sent a copy of a letter from U.S. Bankruptcy Court that they don't report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
jhpde is a debt buyer who purchased my XXXX account. The account was listed in a Ch7 in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a XXXX point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.

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 2021-09-13 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: TX

Complaint narrative:
fcra violations not mine : XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3200.00} Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. 



not mine : remove it : XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Resident XXXX XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX CT XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, VA XXXX Resident XXXX Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX type Apartment complex

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the XXXX of XXXX I deposit a check for the amount of {$2600.00} I was told that the funds will be available to me in the amount of {$200.00} on the XXXX of XXXX and the remaining balance on the XXXX of XXXX. I then received an email at XXXX a.m. in the morning on the XXXX of XXXX saying my funds will not be released until the XXXX of XXXX due to a hold put on the check. I called Bank of America at theXXXX number given to me by the nice lady of XXXX, who did all she could at her level ; on the XXXX of XXXX inquiring why has there been a hold on my check they proceed to tell me first it was an unfamiliar check which it wasn't it was the fourth time I deposited a check from this employer, then they proceeded to tell me that the funds have not been released from the other Bank and once the funds have been released from the other bank they will release the funds to me which they did not do, then they proceeded to tell me on the XXXX of XXXX that it was the Federal bureau that was holding my money which I then called the federal bureau and I was informed that it is not them that hold the money it is the financial institution Bank of America which the federal bureau turned around and help me and showed me how to file this complaint on Bank of America the number XXXX was the number I was given to call and every time there was one of these excuses No One released my funds to me so now I am in a bind behind on bills child support and I have a job that requires me to purchase things that I need in order for my job to run smoothly they also charged me a {$35.00} fee for going into overdraft which I shouldn't have had at all in the first place so Bank of America is not the bank for XXXX it is a greedy bank for themselves and they're playing with people 's money probably centered around to one another between another to cover fees and cost and things for who knows who so to cover their button make sure that they have the money for whatever to loan people or whatever they take from other people other customers at least that's what it feels like I pray they don't do it this way but either way Bank of America sucks and I want out of Bank of America I don't want to have anything else to do with Bank of America and I've been a loyal customer for plus years and this is how they do me and I'm sure I'm not the only one. XXXX dollars a month and trusting them with our money for them to think they have control over our money they become too big of a corporate organization and do not respect the people and do not understand the people it's very sad

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 2021-09-13 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: WI

Complaint narrative:
These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA 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 2021-09-13 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: WI

Complaint narrative:
These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA 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 2021-09-13 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: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, XXXX to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This WELLS FARGO appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX Credit Bureau Reports. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately. 
XXXX - WELLS FARGO XXXX XXXX XXXX WELLS FARGO XXXX XXXX - WELLS FARGO 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