vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I have been getting charged for credit debt protection services since my account was converted to Citi Bank Best Buy Visa card from a store card. I did not authorize this service and had noticed on my credit card statement I have been getting charged varying amounts since this conversion. Per month I have been getting charged around 50 dollars for this debt protection I did not sign up for and this has been going on for longer than the last 2 years. I was denied a refund but they did cancel the debt protection. Again I did not authorize this and view this product as very predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: MI

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a retired Veteran of the XXXX XXXX XXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This loan was obtained by identity theft. I have filed a police report and sent it to the credit agencies. I also have sent them a sent verification letter through certified mail with proof of receipt. They ignored it and never sent me anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: OH

Complaint narrative:
ASG calling to collect a debt from XXXX. I am not this person, i dont know them, and am the unfortunate person to get this cell phone number after. I have informed the company that I am not the person they are skip tracing. They have been calling this phone number for 3 years. They continue to call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: VA

Complaint narrative:
My first loan with XXXX XXXX XXXX was in 2008 out of XXXX XXXX XXXXXXXX XXXX, Wa. The establishment forced me to record my bank account information incase the allotment ( funds taken directly from my check ) ever failed. I am understanding that if XXXX XXXX loans did the same thing and had to pay, why shouldn't XXXX XXXX XXXX have too. Also, XXXX sold all of our loans to XXXX. What is next in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
These accounts with ALLY FINANCIAL with account numbers XXXX and XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting 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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXXXXXX-2022 I attempted to place a credit freeze with Experian. They were unable to honor the security freeze. They want me to mail copies of a governmental issued ID and utility bill, bank or insurance statement and the original info I submitted. My other option was to request a " credit lock '' for a fee. 

It was difficult to find the credit freeze option. It has the appearance of making it difficult for someone to obtain the protection without having to pay Experian. 

Note : XXXX and XXXX were able to process my freeze request 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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : XXXX. XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : **** Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Please remove it from my credit report PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from Bank of America saying its paid in full. It is still showing on my credit report as open and Bank of America will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan 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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a retired Veteran of the XXXX XXXX XXXXXXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, Equifax received a request to reinvestigate accounts based on results received from a previous dispute on XX/XX/XXXX. 

I asked Equifax to provide the names, phone numbers and business addresses of each individual with whom you verified the above accounts and the exact description of the procedure used to verify the accounts. According to 15 USC 1681i, Equifax is required to provide the description within 15 days after receiving the request. Equifax did not fulfill this requirement.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Additionally, Equifax did not complete the investigation within the 30 day period as required by law.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : 1. XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report. 

3. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/2022 Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
This account with FMC-OMAHA SERVICE CT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account

Company response to consumer: Closed with non-monetary relief