vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
A fraudulent credit card application using my identity was submitted for a Best Buy CitiBank credit card in XXXX. A hard inquiry was made by Citibank NA, Best Buy on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with CitiBank to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. Citibank agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my XXXX  credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

Citibank NA, Best Buy XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA 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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" TRANSUNION AND XXXX  '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # 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 2020-04-02 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX XXXX for Care Credit is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off 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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was hit with a hard inquiry that I did not initiate - Three of them actually - and I need them removed from my credit. Talking to the company was either inconclusive, ignored or impossible ( not able to contact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
This company has reported this as a new debt on on credit report but this debt is several years old. The information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}

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 explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}

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 explanation
Consumer complaint received 2020-04-02 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} SXXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hi, my name is XXXX XXXX, Im emailing you because I have an American Express serve prepaid card from my tax service, and I have been trying to call, even sent them the letter they asked for about then closing my account and not refunding my remaining balance that is on the card, I get emails every week about my current balance witch is {$3900.00} and it has been 2 months since they closed my card. I hope you can help me, thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank for XXXX is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Asset Management Systems Inc
State: CT

Complaint narrative:
I received a Letter from Financial Asset Management System, XXXX XXXX. XXXX  XXXX. XXXX, GA XXXX with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : XXXX ID NUMBER XXXX {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.

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 2020-04-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
A fraudulent credit card application using my identity was submitted for a XXXX XXXX XXXX credit card in XXXX. A hard inquiry was made by XXXX XXXX, XXXX XXXX on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with XXXX to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. XXXX agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my Equifax credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A charge for {$43.00} was placed on my Citi card on XX/XX/XXXX. I only use this card for emergencies. I submitted a dispute to Citi. After the fraud investigation, the put the charge back on my card. I contacted Citi and they said the vendor informed them merchandise was delivered to my address. I told Citi this company that charged me is a fraudulent company. I never placed an order and I never received anything. Citi asked that I email them a written statement to dispute this charge again. I sent it on XX/XX/XXXXand have not heard back. I sent them a password reset used on the fraudulent companies website. The email came back in XXXX and I do not have an account with them. I contacted the fraudulent companies phone number and they say in their voicemail that they do not have a call center and that I had to email them for help. I did that, and of course there is no response since the company is fake. Citi has not taken appropriate actions to resolve this charge. I am a loyal customer and never missed a payment.

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 2020-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM FINANCIAL KEEPS REPORTING THAT I OWE THEMMONEY AND I DO NOT ... ... RIGHT NOW THEY CLAIN I OWE 2 MONTHS I HAVE PROOF ON MY STATEMENT THAT I PAID FROM MY ACCOUNT AT XXXX ... ALSO IN THEPAST THEY SENT EMAILS FOR THE BILL BUT WHEN THERE WAS A PROBLEM WITH MY CHECKINGACCOUNT LAST YEAR THEY SAID I TOLD THEM NO CONTACT WHICH IS NONSENSE AS THEY SEND ME A NOTICE TO PAY..I REPORTED THIS BUT YOU AT CFPB KEPT CALLING ANOTHER GM NOT THE GM THAT TAKES PAYMENTS FOR CAR LEASES IN XXXX XXXX TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}

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 explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}

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 explanation
Consumer complaint received 2020-04-02 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$0.00} XXXX XXXX {$510.00} XXXX  XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$330.00} XXXX  XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX  XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
On Thursday, XX/XX/2020 sometime between XXXX-XXXX the debt company Account Recovery Specialist, INC contacted someone that I know looking for me and about my debt. They have my phone number but decide to call this person. I don't even know how they got their name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: IN

Complaint narrative:
I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. 

I need access to my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: United Debt Holdings, LLC
State: CA

Complaint narrative:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
" XXXX  AND XXXX  '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # 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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" XXXX AND EXPERIAN '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # 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 2020-04-02 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX  XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}

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 explanation
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}

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 explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
On XXXX the XXXX XXXX I received an email from payroll notifying me my wages were being garnished! To my surprise I didn't know a judgement had been entered against me from XXXX! Never received any summons, or any other documents from courts or this firm so I could properly defend myself, not only did I discover these people serviced the incorrect address they also let me know this account is from XXXX, which is charged off! How could they look up my employer but not bother to verify my address!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

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 2020-04-02 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: CA

Complaint narrative:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

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