vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened the credit account in XX/XX/2018 and reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the company remove from my credit file as I didn't authorize nor give any permission to report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$2000.00} ) The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, the Past Due section incorrectly reflects an amount. I would like to inform you that this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request TransUnion to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) The above account is not mine, and I request TransUnion to remove the late payment associated with it.

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 2023-05-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: SC

Complaint narrative:
Loan for {$5000.00}, {$900.00} carried from existing loan overand added to new, Made a total {$5900.00} on loan. No early payoff or penalties.fees, even asked again when I tried paying it off! Been paying on new loan for 10 months at {$280.00} a month. Called beginning of XX/XX/2023 to payoff loan in full with {$5900.00}. I was told I would have to pay {$6200.00} or $ XXXX phone not sure, i was upset, but itcwas over the original ammount. I said I have {$5900.00} the whole loan that's it, you've received XXXX for 10 months and he said that hasn't even started paying on the loan thatci had just been paying interest! My response was, well loan was {$5900.00} I'm offering u the whole amount. He said no he would write it as a charge off it I paid the {$5900.00} and no more. Republic finance in XXXX. 
So called another location to get it resolved, they could not get into my account for some reason to handle the issue. 
This company also told me they could not have access to my bank account unless on auto pay, but they did and quoted charges I had on my bank statement. Now they are calling me for the XXXX payment again! 
Spoke with another person finally and a month later are willing to take the {$5900.00}! 
I don't have anymore what do I do. I've been working on my credit for years now this. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I just asked them to unlock my debit and their refusing to. They have been combative for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
Gm financial, and XXXX XXXX XXXX are no longer my responsibility after divorce XX/XX/2021 and I continue to get derogatory marks that reduce my credit score and make my ability to get housing, credit or auto loans approved. My credit is poorly effected by accounts that I am not legally responsible for and have no access to information about. I'm being penalized for the behavior of an ex spouse and it is entirely out of my control and should not be legally allowed to poorly reflect on my own credit history. I have tried without success to get the accounts to stop posting negative things to my credit, have tried to plead for my ex to resolve the issues from his end and have sent disputes through credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft and someone opened a credit card account under my name with Comenity Capital Bank for a XXXX XXXX XXXX back in XX/XX/2021 approximately. I got the account closed with the agency they sold the credit card account to ( XXXX XXXX XXXX ), but they fail to remove the credit card account from the 3 credit bureaus, showing up as accurate ( all disputes were in XXXX, but exact date is unknown ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, I have not received a response. 


Regarding the XXXX XXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ), I disagree with the reported balance of {$8700.00} and request that you delete the information regarding the Past Due amount, as this account is closed and charged-off. Since my credit score is affected by changes to my accounts, I request that you mark this account as disputed so that it does not negatively impact my credit score. 
The information on the XXXX XXXX XXXX XXXXXXXX account ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) is inaccurate and is harming my credit reputation. The reported balance of {$4800.00} does not correspond to the lower amount that I remember. I request that you revise the Past Due information, as it is not accurate to report a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to decrease, and I need to reach an agreement with my creditor regarding the incorrect data. Therefore, I request that you mark this account as disputed so that it does not further harm my credit score. 
The reported information on the XXXXXXXX XXXX XXXXXXXX XXXX account ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) is inaccurate. The reported balance of {$710.00} is inflated and does not correspond to the lower amount that I remember owing. The XXXX XXXX amount reported by your agency for this account is also inaccurate, as this account is closed and charged-off. Therefore, I intend to contact the creditor directly to correct this information, and I request that you mark this account as disputed until the issue is resolved. 
The reported information on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$33.00} ) is imprecise. The reported balance of {$33.00} is higher than the amount that I remember owing. Therefore, I request that you remove the amount indicated in the Past Due section, as this account is closed and charged-off. I plan to speak with the creditor of this account to clarify the reported data. Until the appropriate corrections are made, please mark this account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MA

Complaint narrative:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information provided regarding the above account is imprecise. The stated balance of {$2000.00} exceeds the amount I recall. Additionally, I request the removal of the amount indicated in the Past Due section since this account has a closed and charged-off status. To clarify the reported data, I intend to contact the creditor directly. Until the appropriate corrections are made, I kindly request Equifax to mark this account as disputed. 

XXXX XXXX ( Account XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Equifax to remove the late payment associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX XXXX XXXX  ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Hello. I have been trying to add money into my WISE account and opt to earn interest on the deposit. However, I was blocked from getting an interest-earning account on WISE because they could not verify my Tax status. I think it had something to do with my birth date being wrong ; it was XXXX on the website but its actually XXXX. I asked WISE to correct the type ( they did ) and to re set the account so they could re verify my tax status, but every time I have reached out to WISE about it ( maybe 9 times ), their customer service reps just ignore my question. They send me guides on how to deposit money or answer some other question I did not ask. Its like they are purposely ignoring me. It is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: First Technology Federal Credit Union
State: GA

Complaint narrative:
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of 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 explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, Could you please help me on the fraudulent transaction? Yesterday morning, a facebook user, XXXX XXXX, asked to buy a sofa from my family at {$1200.00}. She asked to pay via XXXX. Then she told me that my account had limit so she would send me {$400.00} more, totaling of {$1600.00} and then I had to send her back {$400.00}. She also said she trsuted me so she would send me {$400.00} more to make my account be eligible for receiving {$1200.00}. I also received XXXX emails from XXXX XXXX ( as attached ), it made me believe they're the real ones. In addition, she said her XXXX would go to pick up soon. But after that, I felt something wrong there. I also received an email from Chase saying that my transaction was cancelled. Hence I believed the transaction was canceled. However, last night, I checked my checking account and I saw {$400.00} was charged. I tried to contact Chase but it seems like they just filed the report. I am in the middle of moving. My XXXX got high fever for the last XXXX  days. Those things made me out of control. Can you please help protect me from this transaction? {$400.00} is really big to me and my family. I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: OH

Complaint narrative:
I opened my credit report and notice accounts I didnt recognize I believe I am a victim of fraud {$990.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00}, {$780.00}, {$780.00} XX/XX/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 2023-05-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

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 2023-05-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft and somewhere near XX/XX/2021, someone opened a credit card with Chase under my name. I tried calling the company around the end of XXXX of this year, but the automated robot wouldnt get me through to customer support. I cant make an online account because I dont know the cards info, so I had no way to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: TN

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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