vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: TX

Complaint narrative:
SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.

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 2021-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XX/XX/2021, went to Citibank to close checking and savings account. Was told that checking account could not be closed until final clearance of purchase from XXXX. On XXXX XXXX  attempted again to close checking. Was told XXXX transaction not complete but transaction was figured into balance so the rest of the money could be withdrawn and account XXXX  out with assurance that the account would be closed when XXXX transaction finalized. Was notified on XXXX XX/XX/2021 that XXXX charged account on XXXX XX/XX/2021. This charge was neither made nor authorized. When called to ask how any transaction could have occurred to an account with XXXX balance and awaiting closure, they claim overdraft protection kicked in. After hours ( plural ) speaking with multiple people at Citibank, this matter has not been resolved and depending on who I spoke with, I owe different amounts.

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 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Back in XXXX I noticed charges a couple of times a week that I did not make. After doing my research i figured out that Someone was using my American Express card to purchase food through the XXXX XXXX. After contacting American Express and explaining to them the situation they said they would open an investigation. There where 7 transactions that were totaling over XXXX dollars. The fraud department then emailed me a form which I filled out with the dates and the amounts that were charged. They advised me that they would look into the fraud and let me know and that it could take up to 45 days which was fine. All I wanted was my issue resolved. After contacting them the customer service representative advised me that they decided they were not going to return the fraudulent charges. Ive dealt with American Express for the pasa 10 years and they have the worse customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I charged a dental service on my credit card on Saturday XX/XX/XXXX The charge was XXXX XXXX baht The published exchange rate is XXXX baht/USD The charge appeared on my account was at rate of XXXX baht/USD, WHY? 

The billing should be {$180.00} I was charged {$180.00} Difference {$4.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I would like to make a Complaint with this Company I dont owe this company XXXX XXXX XXXX {$1100.00} They have the wrong person and Ive never heard from this company up until this year XXXX when I checked my Credit Report they opened collection in XX/XX/XXXX without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: PA

Complaint narrative:
I HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
During Covid which started XX/XX/2020 I signed up for forbearance and was accepted and than 3 months later in XXXX I had to reapply and thats weee the trouble began because than they needed all this proof that my mother passed away and left everything to me her only child, and they just really gave me a hard time, I have Mr. Cooper for my mortgage company, it took them probably around 2 months to finally extend my forbearance and during that time I was getting phone calls everyday from Mr , Cooper about needed to make a payment, and now that I try once again to extend my forbearance or either to do a loan modification its an issue again, I really feel as they just want to take my home from me because they will not help me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
I would like to make a complaint against XXXX XXXX XXXX & Remex Inc.for Opening a cllaim against me dated XX/XX/2015 that I owe {$150.00} for a service I did not use or never have I heard of this Company about any due bills.and now this issues have been given to Remex Inc . Collections to destroy my Credit without trying to contact me about the matter First.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was trying to buy a puppy and used zelle to send the money to the person Zelle got the money by bank confirmed it. I later found out the whole thing was a scam but my bank XXXX XXXX said they couldnt do anything because zelle has the money so I called zelle so that I can cancel and get my money back but they said the scammer already has the money and theres nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Here it is two years later and I can not access my EQUIFAX credit report and I have already filed two complaints. I am thinking of going to meet with legal counsel because they will not rectify the matter. 
Previous complaints filed : Report XXXX Date XX/XX/XXXX I requested my information from Equifax in XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still, my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed on XXXX and still, my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call I'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect. 

Report XXXX Date XX/XX/XXXX Currently, there is an open investigation on Equifax with CFPB # XXXX. Equifax mailed me an updated credit report XXXX ( it showed on my XXXX dashboard ) stating they have corrected my DOB. That is incorrect, my DOB is XXXX now they have changed it to XXXX. Why can they not correct my information to the correct information and I submitted a Government-issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: MA

Complaint narrative:
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
MicroBilt Corporation/Payment Reporting Builds Credit ( PRBC ) XXXX XXXX XXXX XXXX, GA XXXX Attention : CONSUMER RELATIONS I.am writing you to REMOVE the security Freeze on my Consumer Disclosure report. Under the Fair Credit Report Act, you to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : see attached verification MY FULL NAME : XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY CURRENT PHONE NUMBER : XXXX MY EMAIL ADDRESS : XXXX After this SECURITY FREEZE has been removed please send me written confirmation to the address listed above and via email due to snail mail! 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: FL

Complaint narrative:
On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW : XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired in XX/XX/XXXX, XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis-report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 

2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.

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 2021-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
to whom may concern, im writing this complaint to inform you of the violation FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of all three credit bureaus XXXX, XXXX and XXXX. im trying to start a business and purchase my first home, these inaccurate validation of these accounts has detrimental impact on my credit score. XXXX of XXXX dispute letters was sent out, no less than 30 days the account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was removed. XXXX of XXXX reinsertion of collections account had to be disputed again and was removed. XXXX of XXXX XXXX XXXX XXXX and southwest credit sys was reinserted again different company. i have received no such notification in validation of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: TX

Complaint narrative:
I have sent certified letters to Equifax numerous times asking for original, signed documentation, authorizing someone to view my profile. To this day, I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX opened XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy, XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX & XXXX opened XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy, XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX & XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX opened on XX/XX/XXXX bankruptcy, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX bankruptcy XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XX/XX/XXXX bankruptcy ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation