vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: CA

Complaint narrative:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX  XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CT

Complaint narrative:
I have repeatedly disputed inaccuracies on my credit report From XXXX  and transunion. 
I have agencies on my report that are reporting late payments and inaccuracies from chargeoff account that where sold to secondary agencies These bureaus have repeatedly ignored consumer laws that protect consumer from bureaus and furnishes that try to take advantage of consumers Fair credit reporting act states that if a item can not be verified within thirty days it must be removed, if proper verification such as original contract from a collection agencies can not be shown that account does not have proper verification and must be removed and if a secondary bureaus use false or misleading information to obtain settlement for accounts and collections which was done those closed accounts should be removed and not still be reporting on my credit report Transuion and XXXX  have repeatedly violated the fair credit reporting act

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I received a letter from XXXX  XXXX dated XX/XX/2020 stating that my credit card account with a balance of {$470.00} was acquired by Portfolio Recovery Associates LLC on or about XX/XX/2020. 

I received a letter from Portfolio Recovery Associates LLC dated XX/XX/2020 stating that they purchased my account on XX/XX/2020. 

This is a violation of 15 USC1692 ( g ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I understand that this complaint might be handled by the executive office of CitiBank and that's actually a concern for me. I can't count on CitiBank executive office staff members.

I had an issue with CitiBank customer service, following which a team member from Citibank executive office called me apologizing for what happened. The team member also provided me with the direct phone number of their executive office for in case I need to reach out to them directly in the future. The number is XXXX. 

I applied for a credit card. I was advised that there are no issues relating to my credit score and or any other factors for having my credit card application approved, it's only an identity confirmation that is pending for the card to get approved. I was told that I would receive a letter via mail for verification purposes. I was advised upon receiving the letter I would need to call CitiBank customer service to confirm my identity and then the credit card would be issued. 
I never received that letter from CitiBank. I called the executive office phone number that was provided to me when I realized
that phone number is taking me only to their general customer service, and the general customer service then telling me the executive office of CitiBank is not reachable over the phone. This means the team member who provide me that phone number is fake and misleading. 
I can't believe I applied for a credit card with such a below standard bank. If the CitiBank executive office is so misleading, what more can I expect from their general customer service. 

Application ID 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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My only complaint is that Ive had an issue with my savings/checking account on my XXXX  app. Im not able to transfer money from my savings envelope to my card so then I can get cash. It always says SORRY, there was an inconvenience. TRY AGAIN LATER. Ive called 7 times this last month of XX/XX/XXXXspoke to a few different representatives and no one knew what was wrong. If you guys could please transfer my money to the bank on the account that be awesome or get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: LA

Complaint narrative:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
This is the second complaint I have submitted. TransUnion have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my Transunion consumer report. I am I victim of identity theft. I sent Transunion a FTC report, report number XXXX. My next step is filling a XXXX  complaint against TransUnion and filing a complaint with the attorney state General, and file ligation. Also, XXXX  sent me an alert through the XXXX  app that they removed the fraudulent XXXX XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my XXXX 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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the second complaint I have submitted. XXXX  have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my XXXX  consumer report. I am I victim of identity theft. I sent XXXX a FTC report, report number XXXX. My next step is filling a XXXX  complaint against XXXX  and filing a complaint with the attorney state General, and file ligation. Also, Experian sent me an alert through the Experian app that they removed the fraudulent XXXX  XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my Experian 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 non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
bank name popular credit service, I received my credit card latest statement and showing my annual fee was charged on XX/XX/16, and I called to Close my credit card and waive the annual fee they charge me, because I dont wan na use this credit card for the next year, but they said they cant waive the annual fee, normally the customer has right to closed the account for the first billing cycle and wont get charged for the new year annual fee, its not fair to the credit card holder please help me, thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX Prepaid card was compromised and some funds was taken out which was not by me i already tried to speak to BOA customer service but no one respond. Here are the debited funds stolen from my card with the date and amount below. Please i want my money reversed back from any source it was sent to thank you Amount XX/XX/XXXX - XX/XX/XXXX - {$6200.00} XX/XX/XXXX - XX/XX/XXXX - {$11000.00} XX/XX/XXXX - XX/XX/XXXX - {$3100.00} XX/XX/XXXX - XX/XX/XXXX {$990.00} XX/XX/XXXX - XX/XX/XXXX {$5900.00} XX/XX/XXXX - XX/XX/XXXX {$3300.00} XX/XX/XXXX - XX/XX/XXXX {$2200.00} XX/XX/XXXX - XX/XX/XXXX {$4400.00}

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 2021-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
I was a student at XXXX XXXX XXXX XXXX, from XX/XX/XXXX-XX/XX/XXXX for their XXXX XXXX XXXX. 
I was force into taking out loans that I could not afford and I was promised high paying XXXX XXXX position once I graduate. Which did not happen at all. Once I was done with the program. I begin to struggle to pay back the loans due to working XXXX  and making {$9.00} per hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
EQUIFAX has failed to protect my file and information. I have 3 fraudulent acounts on my credit file. I disputed all three XXXX XXXX, XXXX XXXX, XXXX XXXX. They did remove XXXX XXXX and XXXX XXXX  which are fraud but put them back on 6 months later. You cant delete fraudulent accounts and then put the same accounts back on my file and have no reason. I have addresses i never lived at on file i disputed those and Equifax cant seem to get there stuff together. Their customer service reps hang up on you when you press them about Equifax mistakes and how are they going to fix them. Their dispute process is a joke they are jeopardizing millions of Americans information a on top of that there is major incompetence within its work staff. My credit file is a mess with inaccuracies and fraudulent information on it. I have exhausted all my resources in trying to fix my file. We need another Congressional hearing about this company and there mishandling of my credit file and so many other Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: LA

Complaint narrative:
TransUnion, XXXX, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX Mortgage. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.

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 2021-09-01 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: LA

Complaint narrative:
XXXX, Equifax, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: LA

Complaint narrative:
XXXX, XXXX, and Experian are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX XXXX. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.

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 2021-09-01 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
No Contract exists for A RECEIVABLES PERFORMANCE that starts with XXXX. 
XXXX  refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to XXXX that the information is accurate. This is not so. It's reporting illegally on my 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 2021-09-01 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: OH

Complaint narrative:
No Contract exists for A XXXX XXXX that starts with XXXX. 
Experian refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to Experian that the information is accurate. This is not so. It's reporting illegally on my 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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.

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 2021-09-01 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: PA

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.

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 2021-09-01 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: PA

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.

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