vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-08-29 00:00:00
Product: Credit 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: NY

Complaint narrative:
My credit card information was used to make payments at a hotel on another state. I disputed the charge over 60 days ago. Citibank provided receipts of the transaction showing a name of another person that I do not know. I contacted Citibak stating that I was not the person on the transaction receipt and do not know who the person named in the receipt is. A person named XXXX XXXX is on all the receipts. I have never met nor do I presently know who this person is.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-29 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Experian charged {$24.00} on my XXXX card for a credit report I never ordered and do not need. I have excellent credit. I have been hacked four times so I watch my accounts like a hawk. I switched from XXXX to XXXX XXXX two weeks ago. I forgot I had a lock on my credit reports so initially my application was not accepted. I came home took the lock off my credit reports and then proceeded with XXXX XXXX. Two days later, I re-locked all three of my credit bureau reports. This does not cost consumers any money to do this. 
I don't know why I was charged this for a report I did not request. Experian has been in trouble before for charging consumers for unneeded credit reports. 
I'm a senior living on a fixed income. I know my credit, bills and accounts. I want this charged removed and I want Experian to receive a letter from the CFPB telling them to cease and desist and stop targeting seniors for unnecessary credit report. 
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 non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have met the requirements to receive XXXX AAdvantage miles on a citi checking account offer. I was previously told I would receive those miles on XX/XX/2023. I am still without the XXXX AAdvantage miles.

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 2023-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This problem relates to the last problem that I filed regarding my Macy 's credit card account ending in XXXX ( my old card ) and XXXX ( my new upgraded XXXX XXXX XXXX  ). Since CFPB last intervened, the account was corrected. Macy 's advised me there was a new balance due of {$76.00}. I paid this amount in full immediately. The account then reflected a credit balance of {$10.00}. I called Macy 's and spoke to someone in credit to request a refund check for the {$10.00} credit amount. Macy 's agreed to send this to me. I checked my balance again a day or two later and there is a new balance in the amount of {$140.00}. I sent two messages through the Macy 's credit card website but did not receive a satisfactory answer as to what this balance was for. I have not used my card at all for any purchases for several months. I called Macy 's on Monday, XX/XX/28 and spoke to XXXX in credit who did some checking and said that this amount is not due from me and will be removed from my account in 1 to 2 billing cycles. I asked Macy 's to send me a letter or statement showing my new zero balance. I am not satisfied that this correction by Macy 's will take one to two billing cycles. Can you please help me to get this erroneous billing amount off of my account? I also do not want to be responsible for any more fees or finance charges on this account. I am not using this account any longer and I plan to never use it again!! Thank you! 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 monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Unable to reach AidVantage customer support in response to letter received XX/XX/2023 for details of loan. Loan information and disbursement dates are incorrect, amounts do not match credit report. I am unable to log into Studentaid.gov, error occurs that account does not exist using my SSN and personal information from student loan. AidVantage sent a letter to start auto payments on school loans that are not accurate, to reflect school information, or have full payment history. AidVantage cutomer support line goes to a hold status for wait period up to 45 minutes or more. Company is threatening to debit my bank without my authority, unable to reach them to cancel/change and receive loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified of a credit inquiry through citi for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from citi, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than XXXX different numbers to contact Citi. None could help. XXXX citi very own XXXX department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into XXXX to file a dispute. They responded back on XX/XX/XXXX claiming Citi verified the inquiry was accurate with no details ( no contact phone # for Citi nor any supporting information ). 

Citi bank and XXXX  have not done an adequate job resolving this.

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 2023-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent out certified mail to this collection company claiming I owed {$170.00}. The letter asked for validation of debt and the required disclosures that should have been given to me. 

The situation regarding my ongoing dispute with XXXX and the lack of response from the collection company so far has been very stressful. Despite my consistent efforts and multiple letters sent, it seems that my concerns are being overlooked. I am aware of my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, which allows me to dispute debts and request validation. I simply request proof of disclosures sent and validation of the debt. If unable to verify, I kindly request the removal of this information from my consumer 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Leviton Law Firm, Ltd.
State: NV

Complaint narrative:
i found out through a public figure on social media that XXXX passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. 

These companies sold my account to collection agencies : XXXX XXXX XXXX XXXX XXXX ( sold to XXXX XXXX. Senior Account Representative @ The XXXX Law Firm Phone : ( XXXX ) XXXX Fax : XXXX ) XXXX XXXX XXXX XXXX XXXX  ( sold to XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were XXXX or XXXX different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX Bank. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

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 2023-08-29 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX I have a Capital one credit card that has over XXXX worth of fraud unauthorized charges on it, I reported it to Capital One I haven't used the card in quite sometime I was making payments on it and the balance was never going down and then I had a fraud incident with something else which made me go looking at all my stuff, I seen over XXXX worth of charges on my credit card I didn't have the card in my possession I let Capital One know I didn't have it, they shut it down and they issued me a new number but not a new card, Then I get a letter a day later on the portal stating my investigation was complete they only took off XXXX of the over XXXX worth of charges. I am NOT paying for charges I did not make, this company has a zero fraud liability but wants to tell me they are having a hard time investigating these charges that is not my problem. These charges were not made by me and I am not paying for charges I did not authorize. And on top of that they are reporting this as late on my credit reports. Can you please help with this

Company response to consumer: Closed with monetary relief