vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Got my money on hold for over a year and won't release it. Refuses to close out account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
This was paid on XX/XX/2023, receipt is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: MI

Complaint narrative:
I cosigned for my son home mortgage and vehicle loan over a year ago and for some reason his address was changed to mine and his home and vehicle were added to my credit report causing my credit score to go down XXXX points because of all the new credit I now show owing. I disputed his address not being mine and it was just corrected but now his credit is still showing on my credit report ad 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 2023-08-07 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 that 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 explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I made a promotional purchase on XX/XX/XXXX of {$1000.00} from Best Buy using the Citibank card. Since that purchase, I have made payments totaling more than enough to clear my promotional balance by the XX/XX/XXXX due date. When reviewing my statement, I see Citibank still shows me owing a balance on my promotional purchase. I called and requested my payments be reallocated to correctly reflect and pay off the promotional balance to keep me from being charged over {$250.00} in interests. I was told by Citi that I had to call after each payment and ask that my payments be reallocated. That's a ridiculous request. I made all payments online which should indicate to them I have no time to sit on the phone to make such a request. Additionally, Citibank provides no option when making an online payment to request allocation to the promotional balance.

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 2023-08-07 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: IL

Complaint narrative:
I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, XXXX, AND TRANSUNION regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX  ACCT # XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.

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 2023-08-07 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: IL

Complaint narrative:
I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, EQUIFAX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX and DEPARTMENT OF TREASURY ACCT # XXXX XXXX XXXX XXXX replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Macy 's in XXXX XXXX paid my first bill in XXXX. Began receiving bills for 'charges. '' No one in their customer service could explain why. 
I cancelled my card the next month. Bills kept coming, repeated calls to me to ask for payment. Multiple calls over the next several months. I did not want to damage my credit rating, so paid what I thought was the total for " fees '' and now I am getting bills for interest and purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-08-07 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: MD

Complaint narrative:
I have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this 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 explanation
Consumer complaint received 2023-08-07 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XX/XX/2023 I sent XXXX, XXXX and XXXX a Notice of dispute for account Numbers XXXX. The results of the investigation came back verified. Id like a copy of the investigation report, Date of contact, Name of person contacted, and what procedure was used to confirm the information

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 2023-08-07 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: Block, Inc.
State: NC

Complaint narrative:
I filed so many dispute with this company ( CASH APP ) but they all got denied thank you to this complaint I was able to recover some of my money back but there two more transactions that I was not authorized by me! Equaling to {$32.00} and {$14.00} all by XXXX My cash app is XXXX XXXX XXXX XXXX XXXX ) please help me send this complaint to cash app for their terrible customer service. 


XX/XX/2023 lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use one of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXXXXXX XXXX  ) then it powered off 20 min later couldnt track it so I filed a police report and now its been days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
XXXX XXXX or John Gibson Auto- ( See attachment ) This company has placed a collection one my credit for the same account XXXX. I have tried to contact company and resolve the issue and they are refusing to resolve. The agent have also been very disrespectful and rude. I have tried to resolve and they are refusing to acknowledge the request. 

Why are they put this on my credit XXXX, and can not verify that this is me? I want this removed immediately. This has cause a delay in my house closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: MD

Complaint narrative:
XX/XX/2023 : Somone attempted to open three credit cards in my name. This resulted in three hard inquires. I added credit alerts to my report immediately, telephoned the police department, social security administration, and Internal Revenue Services. These hard inquires also resulted in the lowering of my credit score. I reached out to ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX, and ( 3 ) XXXX XXXX XXXX XXXX. I spoke with XXXX and XXXX and explained about the fraud and was told that they will remove the hard inquires. XXXX XXXX I telephoned and left a message since no one answered the phone. I received a text to verify a charge to a credit card I called and asked to speak with the fraud department however the person I spoke with XXXX said she could not transfer unless I provided my social security number. I refused because of the identity theft and asked her several times to transfer me to the fraud department and she refused. I need these hard inquires removed from my credit report because I did not apply to any of these credit cards. I do not nor ever lived in the city listed on the attached letter.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] BMO Harris Bank XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Reimbursement Request for {$6100.00} Due to Account Fraud and Closure Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious matter concerning my BMO Harris Bank account, which has been under fraudulent activity and subsequent closure for the past XXXX years. I kindly request your immediate attention to this issue and seek your assistance in facilitating the reimbursement of {$6100.00}, which was unjustly taken from my account due to unauthorized transactions. 

I was alerted to this unfortunate situation in XX/XX/XXXX, when I discovered unauthorized transactions on my account statements. These transactions were carried out without my knowledge or consent, indicating clear cases of fraudulent activity. I promptly reported these incidents to your bank and followed the necessary procedures to safeguard my account. 

Despite my best efforts and the cooperation with your bank 's representatives, the fraudulent activity persisted, leading to the eventual closure of my account in XX/XX/XXXX This ordeal has caused significant financial distress and emotional hardship for me and my family over the past XXXX years. 

I implore you to thoroughly investigate this matter and take appropriate actions to rectify the situation. It is my sincere belief that BMO Harris Bank should take responsibility for ensuring the security and integrity of its customers ' accounts. I kindly request the reimbursement of the stolen funds amounting to {$6100.00} to be deposited into my new account as soon as possible. 

I have attached relevant documents such as account statements, correspondence with your bank 's representatives, and any other pertinent information to support my claim. Please review this evidence and treat this matter with the urgency and seriousness it deserves. 

I remain committed to resolving this issue amicably and look forward to your prompt response. You may reach me at XXXX to discuss any further details or to provide updates on the progress of my reimbursement request. 

Thank you for your attention to this matter. I trust that BMO Harris Bank will uphold its commitment to its customers and ensure a swift resolution to this unfortunate situation. 

Sincerely, 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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am inquiring about my bankruptcy and my student loan debt. Back when I filed bankruptcy, I was told by the bankruptcy attorneys that student loans were not allowed to be put in your bankruptcy. I have had the same amount of student loan debt for over XXXX years. I have made payments for the full XXXX years and my balance has never gone down. Why wasn't this put into my bankruptcy? Was my attorneys at fault?

Company response to consumer: Closed with explanation