vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
Macys Credit Card I had filed a dispute over a year ago with Macys Credit Card for a fraudulent transaction as my mail was stolen and it contained my macys credit card. I reported the stolen transaction as it happened since I received a text alert and Macys blocked my credit card. Despite the several attempts and them crediting my account and me also paying for the balance since they took longer than they should have to clear the balance Macys has erroneously billed me after over 1 year with a minimum payment balance of XXXX which I paid to avoid to be potentially affected on my credit report. I do not owe this money and this should be covered through a loss on Macys end as I never made that purchase otherwise I would have more than gladly paid it. Macys didn't bill me for over a year and all of a sudden, for no known reason they brought back the balance onto my card and are expecting me to pya {$400.00} which I do not owe at all since it was a reported fraud transaction that they even approved as a valid claim. They didn't bill me for a whole year and something somewhere on their systems it's not showing that I owe this money? This is a malpractice thank XXXX that I reviewed this statement and noticed that they put back a previous balance that it had been cleared on a credit card that was closed due to fraud. These are the actions to which I will agree this case as been resolved : - Reimburse the customer the paid amount of {$71.00} ( since I wanted to avoid being late on my credit bureau ) - Debit their Macys Operational XXXX XXXX XXXX and credit the outstanding unapproved by the customer fraud balance on their credit card in the amount of {$330.00} and XXXX any outstanding revolving interest as this balance should and it was paid off by the bank that originates Macys credit cards as this was due to a fraudulent transaction. 
- Provide the customer with confirmation that the account ending in XXXX has been paid off.

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 2023-03-04 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: Certified Services, Inc.
State: IL

Complaint narrative:
Hello, I had a XXXX  appointment at XXXX XXXX 5 years ago which recently went to collections. I specifically did not authorize this XXXX  to perform any work which was not covered by insurance, and I did not agree to be charged any finance charges. It was initially a small amount which I attempted to negotiate but it quickly ballooned with finance charges and became unreasonable. I disputed this with XXXX and they denied my dispute. I spoke to the company certified services inc regarding the {$1400.00} charge and they did not agree to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-03-04 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: LA

Complaint narrative:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 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 non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX, I received a Mastercard from US bank ending in XXXX which I never applied for. I contacted US Bank and have closed the account and opened an investigation. They told me the account was opened around XXXX on 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 non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
This debt is not mine and I continue to get harassed and threatened. Result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I am filing this complaint because I noticed Amerifinancial Solutions had placed a debt for {$1500.00} on my credit report on XX/XX/XXXX. I reached out to emergency physician of XXXX XXXX  and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties. I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. 
Under the health insurance portability and accountability Act of 1996 ( HIPAA ). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them.

They did not provide me with the any documents or signatures like I requested but a bill which is not sufficed validation. This debt was not properly validated and should not be on my credit at all. I demand that this false bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl to all parties. You are reporting false information to the credit bureaus! I have also had Medicaid around the time the alleged debt occurred, Fl Medicaid covers EVERYTHING! This debt indeed is not mine! Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a problem with Wells Fargo I issued a complaint last month but apparently, I had the wrong date. It was actually XXXX XX/XX/2012. I had just returned home from the hospital after an illness on XXXX XXXX,2012. The morning of XX/XX/XXXX I went online to check the status of my checking account & noticed that my checking account was empty. The bank had allowed XXXX to withdraw approximately {$1000.00} which was part of my social security. I was also charged {$100.00} for this service. Wells Fargo notified me that XXXX tried to withdraw an additional {$400.00} but they refused to do that. I want to know why they gave my money to XXXX on one occasion but not the other time. I was under the impression that only the IRS could take my money. I wasn`t aware of cfpb until my son told me last month. I appreciate your help in solving this problem. Thanking you in advance. Sincerely, 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 2023-03-04 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: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XXXX/XXXX/2022 XXXX/XXXX/2022

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 2023-03-05 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
There is a collection remark on my credit report from IC Systems on behalf of XXXX XXXX XXXX for {$19000.00}. I never received any notification of this collection until it appeared on my credit report, and I have never held an account with XXXX XXXX XXXX in my name. Our account for the past 10 years has been in my wifes name and has always been paid on time. 

The collection was apparently filed against me on XX/XX/XXXX, according to my credit report, and as stated I never received notice of the debt from XXXX XXXX XXXX or IC Systems. I was not aware of this collection until XX/XX/XXXX when it appeared on my credit report. After I discovered this collection against me, I filled a dispute with IC Systems on XX/XX/XXXX and still have not heard anything from either company about this debt. 

This is a collection for an account that I never possessed or had any information on and is affecting my credit for something that is not mine.

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I was trying to buy a car & and I checked my credit and it was a collection on it saying I owed XXXX XXXX That was back in 2018 and I just recently called they said they are a 3rd party lender that XXXX gives all information too and such. I didnt sign a contract nor. Did they Loan me any money under the acts of fcra 15 u.s.c 1681

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 2023-03-04 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: SC

Complaint narrative:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2023-03-04 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: SC

Complaint narrative:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : OXXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2023-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Someone did unauthorized loans with affirm for XXXX purchases. There are 3 different purchases /loans that were completed not by me on XXXX XXXX exceeding XXXX! Affirm is now asking me for monthly installment payments for these loans beginning XX/XX/2023. I submitted a claim with affirm directly who is now saying I am responsible for these loans that I did not receive any merchandise on nor complete any transactions with on XXXX XXXX with XXXX. I need this responsibility removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have never been late with my XXXX XXXX. I did not receive statements around XXXX and when I became aware of a past {$41.00} balance I paid immediately on the phone. I do not know where my statements were going or if they were ever sent. I am disputing a late report to credit bureaus because I was never late. I recently changed several credit cards from online statements to paper statements because I was not receiving statements. XXXXXXXX XXXX could not tell me if this happened to this card.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently tried opening a bank account and was denied due to reporting by XXXX XXXX XXXX. 
Several accounts came up on my report. 
1 ) XXXX XXXX  Account Number : XXXX 2 ) XXXX XXXX Account Number : XXXX 3 ) XXXX XXXX Account Number : XXXX These accounts are fraudulent are a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license and social for proof of identity. 
These items are Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have received a letter from Truist Bank informing me I have an account that closed and I owe the balance plus late fees. I have never had an account with them. I now have an open police report active and my credit frozen along with my usual bank. This is a case of identity theft, someone opened and closed an account with my person information including XXXX. Any and all attempts to open further accounts in my name, XXXX XXXX XXXX, should be treated as fraud until I am able to secure my accounts.

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 2023-03-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXXXXXX account # XXXX, this account is a collections account has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2022 I purchased round trip airline tickets using my Chase Sapphire preferred card, the trip was to be taken in XXXX. On my return flight ( XX/XX/XXXX ), a mechanical issue with the aircraft resulted in a 4+ hour delay that result in my party having to miss our connecting flight. We had to spent the night in a hotel nearby, pay for dinner, and incurred other expenses related to the overnight delay. My card benefits include travel insurance if a trip is delayed and results in an overnight stay. I submitted a claim upon return to my home city for the plane tickets, and for the dinner expenses. My claim was submitted around XX/XX/XXXX and was in the amount of approximately {$1500.00}. Once I submitted all of the requested documents to XXXX line, the company Chase uses to process their claims I have been repeatedly asked to submit the same documents over and over again over the course of these last 5 months. When I call them over the phone, the line disconnects almost every time. When I am able to get through to them they tell me that they have received all of the necessary documents and that I need to wait 5 business days. At the end of those 5 business days I receive an email asking for more documents. The process just repeats itself. My claim has been in the final stage of review for the last month and they have yet to make a decision on my claim. I have showed up to Chase bank in person to speak to an associate, the associate had no power to advocate for me. The associate was not even aware that Chase uses XXXX line to process claims. It is very obvious that XXXX line delays and stalls so that people will give up, and I am sure that this tactic is very effective- the whole thing seems illegal to me. As a Chase customer I feel deceived into doing business with a shady company that does not act in good faith. I also have come to understand that the benefits of the card are a scam.

Company response to consumer: Closed with monetary relief