vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizen Bank merged with XXXX in XXXX of 2022 where the merge was done in a rush and Citizen Bank was not internally ready for the act. Citizen never provided statements or new loan numbers nor trained any XXXX staffs at branches about their internal banking systems to provide a clear and accurate information about my persona line information. Every time I went to the branch, I had to sit with the previous XXXX staffs to call Citizen bank customer service and would took over an hour or two hours, and still couldn't get an answer about how and what to pay on my personal line, not even an account number was provided until months later of the merge. However, Citizens had reported to credit bureaus on my credit that I did not make payment for extensive time. I am a XXXX XXXX XXXX person so making it to branches to understand what the new bank system are very hard. It was a very complex and confusing internal banking system they have with my personal line, checking and savings accounts. I did make payment on the loans eventually after XXXX staffs are better trained with citizen bank system and able to help me right away without needing me to sit there for hours to call customer service for answer. It is not fair that citizen bank created chaos for customers on their merge with XXXX and resulting customers not able to make payment for the loan due to lack of loan information and could not understand complex of their banking system. It is not fair that Citizen Bank reported for loan delinquency to credit bureaus hurting my credit score significantly. I have tried to communicate with Citizen bank on my own but they refuse to admit to their own insufficiency on merge and resulting in my non-payment and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is a formal complaint that I would like to inform you that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assumed that they rectify these violations and provide me with accurate and updated credit report immediately. I demand a faster deletion and appropriate remedies as per the law. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I am pleased to request the removal of the fraudulent items associated with the mentioned items, as thay were negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX AV XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$210.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my TransUnion and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX  in XXXX XXXX with student loans, I called to get into the XXXX program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and Equifax and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with student loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}

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 2023-09-01 00:00:00
Product: Credit reporting 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:
This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect
State: TX

Complaint narrative:
On XX/XX/2023 while checking my consumer report i noticed stated company furnished the account. On XX/XX/2023 we sent a affidavit of truth, notice of removal and cease and desist. I have attached all correspondence in this complaint. This company is violating 15 usc 1681g resulting in fraud and identity theft. While using extortion means to collect a debt that is not owed which is a crime. This company has failed to provide me that it acted with lawfully authority when they obtained and shared my information to consumer reporting agencies. They have also violated a host of consumer laws in which I have attached on the complaint as well. I have also attached a invoice. Pursuant to 15 usc 1692k for failure to comply with the provisions of these supchapter laws. I do not have any dealings with this company and they are causing me mental and financial stress. We've asked this information be removed and invoices be paid and if they do not cease communication a lawsuit will be commenced against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a formal complaint that I would like to inform you that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assumed that they rectify these violations and provide me with accurate and updated credit report immediately. I demand a faster deletion and appropriate remedies as per the law. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I am pleased to request the removal of the fraudulent items associated with the mentioned items, as thay were negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXX Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$210.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : $ 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 2023-09-01 00:00:00
Product: Credit 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: TN

Complaint narrative:
On XX/XX/XXXX in the attached picture, I clicked on an ad which offered free samples of sunscreen. I was charged the shipping amounts below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$6.00} I made no further purchases with the seller. I left for a trip on XX/XX/XXXX to XXXX XXXX and returned XX/XX/XXXX ( which I can provide flight information for ). I returned to find two additional unauthorized purchases for large amounts on my card, one apparently made on the day I was on my flight. The fraudulent seller kept my card information. I received no product or service. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$120.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$110.00} It has been nearly three months and I have not received a resolution. This is the first fraudulent incident I have reported to Citibank. Despite their written guarantee of protecting credit card holders against unauthorized purchases ( which states " Youre protected against unauthorized charges on your consumer credit card account. At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ) ), they have withdrawn the credit to my account and I have spoken to a customer service representative who stated the act of providing my credit card information for the samples on XX/XX/XXXX meant that this fell under the 'scam ' and therefore not 'fraud ' category, despite the purchases being unauthorized. 

Additionally, I received a new ( different ) Citi card just five days ago and activated it. I had only made a single purchase before I found a new fraudulent charge posted today on this card : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} The Citibank representative told me that they had previously not provided the service that prevented ongoing charges from my old canceled card from rolling over to my new one! They suspected that a seller who had held on to my old card information now had made a new fraudulent purchase that simply rolled over, completely negating any point in canceling and obtaining a new card. This is absolutely unheard of to me and I can not imagine how an 'ongoing charge ' was established, for an 'XXXX ' no less, if the description is to be believed. They finally told me my next new card would have this service ( preventing rollovers ) and would credit this amount back to me. The admittance of this fraudulent activity and the denial of the previous one is completely contradictory. 

In any case, I have never encountered a bank with such a large loophole that sets the customer up to be so easily taken advantage of, and one which so clearly does not stand behind their own guarantee.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED 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 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX  XXXX XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX customer service representative.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I see a credit inquiry on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX late in the night and I dont request any credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I purchased home a on XX/XX/XXXX  with Caliber Home Loans for XXXX  I put a down payment of XXXX  than sold the home for XXXX  3 months later to a cash buyer buy I tried to purchase the other house for XXXX  I only had XXXX  as a down payment than I was told to get a FHA loan that as mortgage insurance which I was trying to avoid and till this day I have mortgage insurance than my mortgage was sold to XXXX when I later refinance to get a lower rate. The numbers do not add up can you please help a Senior in need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
there are a couple inquiries in my profile i do not reconize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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