vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: MI

Complaint narrative:
The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.

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 2023-02-09 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: MI

Complaint narrative:
The data furnishers indicated that disputed accounts are accurate. However, they don't send any documentation to prove that the accounts are accurate. 

If they really validated the accounts, why is my credit report showing errors. Check the reasons for every accounts indicated in the attached documents.

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 2023-02-09 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: GA

Complaint narrative:
My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Transunion, 2 forms of identification ( Driver 's License, XXXX bill for proof of address ).

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Starting date XX/XX/23 I had loans showing up that never applied for which is hurting my score bad a reached out to XXXX  also XXXX  and had no luck I havent been able to pay my bill nor provide for my family

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 2023-02-09 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: VA

Complaint narrative:
Sent validation letter do not recall giving permission to them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and XXXX authorization.

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 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XXXX, someone stole my identity and opened an XXXX XXXX account in my name, at my old address, after I moved in XXXX. I contacted XXXX XXXX and they couldn't even find an order, so I don't think an order was ever placed. All the correspondence looked fake. Comenity Bank was the bank listed, and I contacted them. They sent a letter saying they were investigating my claim, back in XXXX. I continued to receive bills from Comenity for a while, then it finally stopped. I never opened this account and never purchased anything from XXXX XXXX. Comenity wanted my social security number and I refused to give it to them. I don't even know if this is Comenity or an impersonator. At XXXX point, they even called my nephew. I consider that a breach of privacy and an harassment call. I reported all this to the FTC ( which later closed my account ), to the 3 credit bureaus ( XXXX, etc. ), to the XXXX XXXX, and to the FBI. No one has done anything, so I thought the matter was closed. Yesterday XXXX, I received a letter from Comenity saying they had turned my case over to a collection agency, XXXX XXXX XXXX in XXXX, GA. I never opened this account and don't owe anyone any money. I never lived in XXXX but found this address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and told them it wasn't me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Unable to get a credit builder account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE

Complaint narrative:
On XX/XX/2019, I was scammed by XXXX XXXX on XXXX and ended up owing Citizens Bank {$4800.00}. I been constantly getting harassed by the bank collectors and by detectives, which I been cooperative and they still haven't helped resolved the issue. This event has caused much trauma and makes me feel as if they don't care about the situation. I'd like to file a lawsuit against Citizens Bank for harassment and defamation. I am currently XXXX XXXX for the United States XXXX and want this resolved so I can be able to finance a beater to get to and from work. This incident ruined my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
I WAS IN A CAR ACCIDENT ON XXXX AND MY CAR WAS TOTALLED. I TOLF XXXX RIGHT AWAY THAT I WOULD NOT BE MAKING ANY MORE PAYMENTS ON IT AS IT WAS TOTALLED AND THE INSURANCE COMPANY WAS CUTTING THEM A CHECK. XXXX XXXX PAID OFF THE LOAN IN XXXX, BUT XXXX  KEPT REPORTING MY LOAN AS LATE AND THEN AS A CHARGE OFF IN XX/XX/2023.

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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Monday, XX/XX/XXXX, a company named XXXX XXXX XXXX XXXX, took out {$80.00} from my cash app account. I immediately alerted Cash App but as expected they could care less about consumers and cater to the fraud/ scammers and thieves. After searching this XXXX XXXX business I come across their information on the XXXX ( not accredited ) and I was able to get a contact email. 

I emailed asking them to refund the money they fraudulently stole from me immediately. The customer service person responded and provided me with some information as to an insurance policy. They were trying to use deception by accessing my personal insurance as well as manipulate the documents. It was so obvious I really did not have to run the documents provided to see the original documents but I did anyways : my hopes were to prove to cash app that this company is a scammer and has access to my identity. Moreover, forging my signature on documents as if I were to coward down and allow them to get away with it : However, cash app didnt respond and after I called XXXX XXXX  out on, a forged document, identity theft and stealing money from my account, the responses I got was, we understand your confusion and to make it right we will send you a check via mail with your address we have on file Ive been dealing with identity theft, fraud and just about everything that comes with the storm since XXXX. Non stop, letters, denials, attorneys, trauma and the list goes on. I really just want to be left alone so I may finally heal and find/ build my own personal identity for once. 

It never ends, and I am wondering is this living even worth it anymore? Creditors dont believe me, reporting agencies could care less, third party reporting companies are just as worthless with so much information that is not me. No one listens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX who was assaulted by a student, and placed on workers comp. I suffered a XXXX  and XXXX XXXX XXXX, and the income that I was receiving from workers comp, was nowhere near what my normal salary was. I have now been cleared to go back to work, but in the meantime, synchrony Bank closed all three of my accounts that I had with them for no reason. I was a long-standing customer with synchrony, and had three cards : CareCredit, discount tire, and Sam 's club. This negatively affected my credit score, and when I reached out to synchrony to ask why my accounts were closed, I was notified that I was a " high risk for not paying '' customer. I feel that this is very unjust and very unfair, considering I had made regular on time payments for many years. Synchrony claimed that they mailed me a letter concerning each account, but I never received a single letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
For OVER a year and most recently XX/XX/2023 Midland Credit Management is REPEATEDLY reporting my collection account open with a past due balance. The collection account is showing OPEN with a PAST DUE balance. This is inaccurate information. The account is in collections it is not and OPEN account and it is showing a PAST DUE balance. This is completely inaccurate. This account has been closed for years. I have called Midland Credit Management, they refuse to remove it. According to the FCRA, I have the right to a accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: DC

Complaint narrative:
I have an auto loan with CarMax Auto Finance. 

I am purposely overpaying my loan amount and want the extra amount applied to my principal. On XX/XX/XXXX I called CarMax Auto Finance to tell them to start applying any overpayment to my principal and not to the next payment ( which is the default option ). 

The person on the phone call said I would have to call every single month to ask for my payment to be applied to the principal. I asked if I could mail a check instead with clear instructions to apply the overpayment to the principal and the employee said I would still have to call every month. This phone call took nearly 15 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I recently requested a proof of debt from the collection agency Credit Management who purchased debt from the original creditor of XXXX XXXX XXXX for {$41.00} and then reported the debt on all three major credit bureaus. 

I do not recognize this debt as being mine, nor do I recognize ever having any business with this company. Because of this, it was then disputed on all three credit companies. 

It was quickly deleted from XXXX and XXXX once they investigated and found the debt to be in error. Unfortunately, XXXX has been under investigation since I deputed the debt on XX/XX/2023, with no response from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed several unfamiliar names. In fact, these were names that I did not recognize and names that I had never claimed. My name is ( XXXX ) ( XXXX ) and should be reported as stated. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this easier and quicker for you all. 

Please remove the following names from my credit report because I do not recognize them : Name ID # XXXX - XXXX XXXX XXXX Name ID # 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 explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: 90 Day Credit Experts
State: NY

Complaint narrative:
On XXXX XXXX XXXX I attempted to sign up for a credit repair service with 90 day credit experts they made it all sound so good a one time charge of XXXX bucks and no money had to be even paid upfront when it came to signing got documents the documents would not load on my end so I was unable to sign for anything or read what I was actually signing up for, they said no problem we ll just sign for you which is fraud in itself but at the time I wasnt thinking about it and just wanted to get started repairing my credit fast forward two months I see an account that I owe XXXX for from a company called denefits when I called and asked what this was about they said we are the billing company for 90 day credit experts, not only did they fraudulently sign documents for me but they also mislead me on everything that was happening this needs to be removed from my credit report it is ruining my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was not notified of my ability to claim settlement For my checking account Mortgage Or credit card

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 2023-02-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last Tuesday around XX/XX/XXXX, my Chase cards were forcibly removed from XXXX XXXX. I did not remove them from XXXX XXXX. I tried adding them back to XXXX XXXX and it said to contact the card issuer. They said that my account is in good standing and EVERYTHING IS FINE. 

Even to this day I can not add these cards back to XXXX XXXX. it's the primary way I use my chase cards to prevent unauthorized transactions. Their technical support was of no help. 


Also, there was a transaction on my Chase Sapphire card for about XXXX. I was erroneously charged for someone else 's transaction at this restaurant as I did not order this much from that restaurant. I only ordered about {$14.00} worth of food. I don't have my receipt anymore but I don't even know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently had to get a new card series with AMerican Express due to unauthorized transactions on a previous card and exhausting the series of card numbers. 

I had to do a new card application and everything and recently got my card in XXXX. I noticed that I was charged a {$95.00} annual fee ( this is a blue cash preferred card ), even though I already paid this annual fee on the old card back in XXXX of 2022 on the old card. 

Please wiave this annual fee. I shouldn't be charged twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to rescind. 
I, XXXX XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; XXXX XXXX XXXX also accepted a CASH down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. 

Ive entered into a contract without full disclosure and later noticed violations and or fraud. I have a right to rescind my contract immediately. Also Ive been paying Santander Consumer USA a monthly Note in the amount of {$720.00} which later I found out was not a loan. 

Car was also repossessed XX/XX/2022 and has caused my family huge amount of problems, as my personal information and belongings was never returned from the vehicle. Been calling my phone non stop trying to collect an alleged debt after selling my vehicle. Ive lost my job due to my vehicle being repossessed causing damage to my family and I. 

15 U.S.Code 1692j- false and deceptive forms 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card 15 U.S. Code 1662 ( b ) - mixing cash with consumer credittransaction 15 U.S.Code 1605 - finance charge defined and what is all included 16 C.F.R. 433.1 ( d ) - purchase money loan company got a cash advance for using my social or credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My appraisal company has been low on cash due to the recent rate hikes. Our volume decreased by 90 % but I still had to pay our employees. Chase bank has charged me {$490.00} in overdraft fees in the past two weeks even though checks are still being deposited they keep charging me keeping my balance low and hindering my attempts to get caught back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target is charging me a {$40.00} late fee PER MONTH on the running balance! THIS plus interest on the running balance. THIS IS OBSCENE AND USURIOUS! 

I shall not pay the late fees on running balances and SHALL DECLARE BANKRUPTCY IF NECESSARY TO AVOID PAYING THE LATE FEES!

Company response to consumer: Closed with explanation