vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 
XXXXXXXX XXXX- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX MD XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 104521XX, 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing 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 ) Section states : 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 non-monetary relief
Consumer complaint received 2022-05-05 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: EQUIFAX, INC.
State: LA

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. 
XXXX XXXX- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor XXXX XXXX XXXX XXXX  Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 104521XX, 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing 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 ) Section states : 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 2022-05-05 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: GA

Complaint narrative:
I just tried to dispute a charge on my card " XXXX XXXX  # XXXX XXXX XXXX '' I did not get the 2 chocolate dipped cones, and brownies were not put into my ice cream which I paid {$3.00} for on 3 separate items. 

it was for a delivery of ice cream, they denied to launch the charge because I didn't " try to return it '' # 1 I didn't have that option after I was already told they refused to refund me # 2 they refused to refund me for items I paid for that I did not recieve. 

They are legally obligated to refund me It is Citi 's fiduciary duty to launch a dispute LAUNCH MY DISPUTE FOR {$14.00} STOP BEING SILLY AND DO YOUR JOB

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Sent letter from XX/XX/22 to current not budging

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Sent letter from XX/XX/22 to current not budging

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 2022-05-05 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: AZ

Complaint narrative:
Sent letter from XX/XX/22 to current not budging

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 2022-05-05 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2022 BK OF AMER RE. We have disputed this account.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a credit card with Macys with {$100.00} limit and I had it on an autopay but after I left the country for a vacation the autopay was disabled and I never received a notice in my email or phone number about the due date and before I returned it was already reported to collections so I believe this was intentional as I already had a few issues with Macys where they sent a threat emails using XXXX account. also, they reported to the credit without sending me any notification or options to payoff. It appears like they rushed to report to the credit bureau

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data.

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 2022-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account Number XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card/ loan 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Appendix B to Part 222 - Model Notices of Furnishing Negative Information a. Although the use of the model notices is not required, a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix ( as applicable ).

The following companies did not notify me in regards to the alleged debt. Also, I am a victim of identity theft. 

Following Companies : 1XXXX XXXX XXXX 2. 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
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have a mortgage with M & T Bank and I truly believe that they have applied my payments or paid off someone else 's mortgage. I have a friend who worked for this bank in the Collections Dept. and told me to call the bank and ask for every payment that I have made, which I did. In which I only received XXXX. I have had my mortgage with them since XXXX. I called to inquire why I only received these dates they in turn told me " Oh we purge files after so many years. '' According to my friend M & T acquired 4 accounts from other banks, and the records were merged. M & T actually paid of several wrong car payments. In XXXX I was struggling to pay my payment ( never once was I late ) and called M & T to see if they had a program to help and I was making Bi-weekly payments, and when I went back to regular monthly payments, I was told that " I took 4 years off of my mortgage. When I called recently they told me that I was not told the truth. My mortgage payments started XXXX a month and when they jumped my mortgage in XX/XX/XXXX it went from XXXX to XXXX as they put it " do to the rise in your taxes '' I was never notified of this and they fought with me and said they did. I called to get a payoff in XXXX of XXXX {$40000.00} I looked the other day and it's XXXX also saw a recoverable corporate advance for XXXX I called the bank and demanded to speak to a supervisor and he said " That was a charge for you trying to refinance last year, which I refused because it wound up being a second mortgage without ever being told. I told " XXXX '' the supervisor that they are hiding things, why I never received ALL the years of payoffs, and he denied the acquisitions then when I mentioned my friend he finally admitted that in fact they did acquire other notes from these banks. XXXX is suppose to send me every payment I made, which will be XXXX years this XXXX. I was also told by XXXX that because my late husband and I lowered our interest rate from 8.5 % to 6 % that counts as a second mortgage this was done over the phone and was never told that this is how it works and I never received any paperwork at all, which seemed very strange to me.I spoke with XXXX on Monday XX/XX/XXXX and he told me he would look into this ASAP and I have never heard another word. XXXX also told me I should pour more money into my payment towards the interest that is why I am now paying 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Beginning sometime in XXXX someone opened an account in my name in another state with USAA bank and began depositing and cashing forged checks in my name, I began receiving letters at my home from USAA about ME bouncing these checks and eventually them wanting payment for charges on these checks bouncing. I contacted them several times by phone to tell them this was ID fraud and it wasn't me to no avail. I then opened an account with identitytheft gov and followed the steps including sending them two letters notifying them of the fraud and they refused to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After receiving my credit report I noticed the below account in there. My personal information has been stolen, I am submitting my ID and Identity theft report to certify this disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

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