vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
There are two incidents and discriminatory actions via CITBANK CARDS XXXX XXXX XXXX XXXX XXXX, S.D. XXXX 1. Citibank intentionally tried to manipulate my credit by lowering my agreed upon credit limit, when payments were made on time, and no derogatory account status, on any of my credit report was researched.

Citibank was called and upon arguing repeatedly with 2 CUSTOMER SERVICE CENTERS REPRESENTATIVE OF NY 2 CITIBANK CARDS, MY LIMITS WERE RESTORED TO THE AGREE UPON AMOUNTS HOWEVER, 1 MONTH LATER Citibank closed my credit cards, ( 2 ) which both had balances and available credit on them, both of which have been paid as agreed, for alleging foul language at a customer service representative while Citibank was discriminating against me and violating federal and state law by trying to intentionally manipulate my credit and credit history.

This is unacceptable. CITIBANK CARDS I.E. CITIBANK CORP AND OR. BUT NIT LIMITED.TO CITIBANK OFFILIATES AND THIRD PARTIES HAVE VIOLATED MY RIGHTS AS A CONSUMER, AND FEDERAL AND STATE FAIR CREDIT PRACTICES ACTS, TRUTH IN LENDING BY MANIPULATION, AND MISLEADING ME TO BELIEVE MY LINE OF CREDIT WAS AS SUCH .... 

ACTION : CITIBANK MUST IMMEDIATELY RESTORE MY ACCOUNTS TO OPEN STATUS OR FACE LEGAL ACTION...

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 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with ALDOUS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my rightto know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services, LLC
State: AR

Complaint narrative:
This debt collector have billed me 2 separate medical bills of {$260.00} and {$290.00} dollars as of XX/XX/XXXX. The bills state that they were opened XX/XX/XXXX out of a state I never lived in nor received any medical treatment and I was XXXX  at the time of the open date.The debt has been sold to another collector and they are starting over the open date of the debt as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON TRANSUNION ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, TRANSUNION STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.

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 2021-10-08 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: MoneyLion Inc.
State: IL

Complaint narrative:
XX/XX/2021 {$1000.00} The company is Moneylion. 
I disputed as fraud. I contacted the company and got no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/OLDNAV. Per FCRA, reporting must be 100 % accurate or the information must 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 explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted Regional Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. Regional Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning 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 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I have learned the finance charge is the sum of all charges. I should not have a bill from Santander Consumer USA. Santander Consumer USA continues to bill me each month. They have also violated 15USC 1692g and fail to info me on my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: VW Credit
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the XXXX data breach, and I have a lot of fraudulent information accounts on my credit report. TransUnion, XXXX, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XXXX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much stress and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.

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 2021-10-08 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: FL

Complaint narrative:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX  inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX  Inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX  - Card Service inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX  - Auto Finance inquiry from XX/XX/2021 XXXX  inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems is reporting a debt to the credit bureau that is not mine. I have asked for debt validation which has not been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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