vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler Capital is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of Chrysler Capital. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXXXXXX XXXX XXXX. I am now struggling to get a loan for a vehicle of my own that I can afford to drive. Chrysler Capital is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Step 1 : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX I was making a purchase of airline ticket and the card transaction is blocked. 
Step 2 : XXXX XXXX XXXX Logged in to mobile app, saw alert and contacted Citicards no on the alert through mobile ph Step 3 : XXXXXXXX XXXX XXXX As I got an office work, I have my wife ( joint ac holder ) speak to customer service. She was told to wait for a review letter which may take 6 Working days. 
Step 4 : I intervened and asked for review. After 10 mins of discussion, the agent said she will call me back.

Step 5 : I didn't get any call for 30 mins and hence called back. After keeping on hold for 13 mins to speak to a representative and after having a rep on call, the rep hanged up the call as if she can not hear me. She also said a rep tried to call me back. When I asked, why there is no voice message, she took all the time to investigate keeping me on hold and finally hanging up the call as she can not hear me.

Step 6 : I called from my office nu and requested to talk to a supervisor. After being on wait for 17 mins before the call and for another 23 mins with the agent, the agent said supervisor is busy and will call me in 24-48 hrs.

So, I lost the deal, 3 hrs. of lost work time during office hrs. Still, they didn't resolve the issue, didn't say why they are keeping me on hold, did not heed to my requests not to keep me on holds and finally they didn't even got me a supervisor or any responsible person explain me what is going on. I have been customer of Citi for more than 15 years and this is the care they showed towards a long standing and good rated customer. THey didn't even want to explain why a supervisor can intervene and resolve the issue. They didn't even gave me a reason for all this mess. 
I need punitive damages from citi

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
My credit score is extremely low due to someone using my name for a utility bill. I need help removing this from my credit, I've tried to dispute this multiple times but I've had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX year old XXXX  PLEASE HELP ME PLEASE

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A fraudulent transaction appeared on my CITI bank credit card on XX/XX/XXXX in the amount of {$130.00} USD. It resembled another purchase I made on XX/XX/XXXX, except it was marked as a card not present transaction. I tried to resolve the issue with the seller first, and they said confirmed the problem but then didn't do anything to solve it ( I have an email from them admitting double charging me ). 
I filed a chargeback with CITI bank, they initiated a dispute, and the seller respondent to them with false information about the nature of the transaction ( they claimed it was a chip transaction, and that I never contacted them about any problems ), but CITI automatically reversed the chargeback. 
I tried to appeal, provided evidence, but now they are creating additional difficulties ( they said they need additional documents, but not showing which ones, the agents over the phone don't know what the problem is ). 

When I opened the card, I was guaranteed protection from fraudulent charges. I never made the purchase, so I request it to be resolved. 

I am attaching the documents they requested for the appeal that I sent to CITI ( and whose receipt they acknowledged ), the description of the problem I sent to CITI, and the correspondence with the merchant that shows that they acknowledged the problem and that I contacted them.

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 2022-02-28 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX* U S Dept of ED/XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # 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.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of XXXX XXXX. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX XXXX XXXX I am now struggling to get a loan for a vehicle of my own that I can afford to drive. XXXX XXXX is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!

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 2022-02-28 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:
I continually complain against Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission but I know it does not exist. XXXX XXXX plays word games like XXXX is currently doing with XXXX by denying, deceiving, and XXXX then labels all complaints as duplicate. Experian replies with a very nice deceiving reply mixed with donuts & XXXX but neither have sent copy of the permissible permission. So I will continue to ask for the permissible permission used by these XXXX XXXX world companies to access my credit report on XX/XX/2017 until they answer. It would also be nice for an employee to stand up against XXXX and Experian and say this isnt right.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Albert Corporation
State: TX

Complaint narrative:
My tax return was deposited onto my Albert cash card on XX/XX/22. I moved money to the savings option so that there would not be a large amount on the cash card in case it was lost or stolen. I do this all the time. I went to move money back to the cash card so I could pay my bills and it would not allow me. It stated I had reached my limit of XXXX and needed to wait 30 days. I then contacted support to see if they could help me by moving the money or raising the limit so I could pay my rent and car payment. They stated no. I asked to speak to a supervisor and they ignored me. I then asked if I could close my account and having the money sent to my external bank that is linked to my card. They stated they could not do that until my balance was 0.00. I need help accessing my money. I'm going to evicted and my car repossed if I can not access my money. I went and read the agreement and the only thing it says is you can not take more than XXXX out of an ATM. Nothing about transfers. Please help!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-02-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Im am submitting this complaint on my own behalf, I am a XXXX XXXX so I'm XXXX  XXXX XXXX a lot and my wife contacted me about fact we got denied to refinance our home due to some accounts listed on my credit report that should not be on there. I tried to call the agencies but they are not helping me to reticify the problem. Listen this is affecting my mental health and causing strain on my marriage I need someone to help me get this taken care of before I lose my home and wife.

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 2022-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Going over my consumer report I have notice you are reporting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent ... 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: IL

Complaint narrative:
Going over my consumer report I have notice you are reporting XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent XXXX 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.

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 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello I have filed a police report for this debt because it was identity theft. They refuse to remove it from my credit. I have sent them debt verification letters and they refuse to send me verification despite sending it via certified mail with proof they received letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
The Complaint is against LVNV for account XXXX I have been demanding sufficient proof from this company claiming I owe this debt. I have constantly been ignored and have requested the CRAs to delete this item. 
1. LVNV did not respond in the appropriate time frame of ( 30 ) days as required by law 2. LVNV did not supply sufficient proof that I owe this debt 3. LVNV updated and verified this account with XXXX  after I disputed and demanded proof. 
4. I have reached out to XXXX to delete and have no luck I have sent LVNV multiple letters demanding them to delete this account. 
This has caused severe harm to my consumer profile, my personal life and business life. I have not been able to advance because I am being held XXXX from this company 's reporting false account on my consumer profile. I ask that the CFPB help me litigate this company for violating my rights. Please help me Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint myself. 

Transunion is reporting inaccurate information about me and it is hurting my reputation through defamation. I am unable to do what I need to do to take care of myself because Transunion keeps violating me daily. 

First of all, my name is a variation of my actual name that is being reported by Transunion. My name is XXXX XXXX XXXX not XXXX XXXX XXXX 


Accounts Capital One/Walmart, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurately and without permissible purpose. 

There was no written instructions given directly to Transunion to report ANY information about me or experiences or transactions amongst myself, the consumer or another person. A consumer report excludes experiences or transactions between a consumer and person. Unfortunately Transunion is in fact in violation per the Fair Credit Reporting Act. 

Furthermore, the following hard inquires, there are no accounts in my name with ANY PERSONS LISTED BELOW and I DO NOT KNOW WHERE THESE INQUIRIES CAME FROM so I AM DEMANDING THAT THEY must be removed and deleted immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief