vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 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: IL

Complaint narrative:
My wife ordered a dress from XXXX XXXX ( XXXX ) in XX/XX/XXXX for {$2800.00}. When the shipment arrived at our home it was not the dress we ordered. We requested a return authorization from XXXX which was granted, and the incorrect dress was returned to them. When received, the XXXX receiving department determined the dress was not the dress which was ordered and sent it back to us again. We contacted XXXX numerous times but they would not accept the dress they shipped in error back for credit because it was not the dress ordered and billed. Thus, we were being forced to accept merchandise which we did not order nor want. 
We filed a dispute with Citibank, the credit card issuer in late XX/XX/XXXX. Citi sent us an undated letter, to a XXXX, FL ( not Illinois where we live ) address which is attached as Reference ( Ref ) A. This letter stated Citi had received a response from XXXX, and gave us until XXXX XXXX to address XXXXs response. Since the undated letter was sent to the wrong address, we never received it and didnt see it until we received it later electronically. Most importantly, however, we never saw, AND TO THIS DATE STLL HAVENT SEEN the NM response. We have made in numerable telephone calls and written communication with Citi attempting to resolve this issue, to no avail. We finally wrote a letter to the Citi XXXX XXXX XX/XX/XXXX. Citis response-attached as XXXX XXXX  simply states they cant help, with no explanation as to why. And Citi still hasnt provided us with the XXXX  response.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
They are calling threatning to sue and or garnish wages for a debt that is 15 years old that im not aware for chase bank they are calling my job and my wife the calls im recieving are from some legal courier service the statue of limitations in the state of nc is 3 years this is 15 years old

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 2 FTC reports with 5 fraudulent accounts and fraudulent inquiries

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I added a new bank account to make payments from, and submitted a full balance payment. The payment was returned and I was charged a {$30.00} fee. I called my financial institution XXXX XXXX XXXX to see why the payment was returned and they advised me that no payment has been put through their system. Immediately I called Rooms to Go Synchrony bank credit card to see why the payment had been returned and the {$30.00} fee was charged. The customer service told me that payment was returned because " account closed ''. I told her my account was not closed cause I had just spoken with my bank XXXX XXXX XXXX and everything was in order on their end. I asked the customer service if I could verify the account number and routing number to see if maybe that was the issue. She said just to go online and do the payment again and that returned payment fees could not be waived. I asked to speak with a supervisor and she said the supervisor was going to tell me the same thing and she put the phone on hold until I decided to hang up after 55 minutes waiting and nobody answering.

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 2023-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lenmark Financial was paid off on XX/XX/2023. It's showing that I owe XXXX .Also the relatives on my report does not involve being related to me and I'm concerned about having the removed off my report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery never sends the requested proof/verification of debt. They have accepted agreed upon settlement offers but either continue to report the debt as owed or sell the debt to another company even though they have received funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with 4 fraudulent accounts and fraudulent inquiries

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 2023-04-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently disputed negative items on my credit report and didn't get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: OH

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-23 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 XXXX XXXXXXXX ) information on my Transunion credit report is clearly incorrect. There are three accounts with the same inaccurate information. Payment history is missing from over 7 years back as well as there's only a 90 day past due and 120 day past due starting in XX/XX/2018. The data is clearly inaccurate. This is a case of not showing first negative history show it stay on the credit report. All three accounts need to be removed.

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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is a debt from XXXX XXXX... I have made payments on it. They wanted more than I had available. Said they'd take nothing less. Took me to court and sued me. Garnished my taxes. Debt stayed the same. Attempted to garnish my bank account. Bank rejected them stating money from social security. Took my taxes again. Still total debt doesn't change. How am I ever supposed to get it paid down if they refuse nothing less than full payment but won't deduct the money they get from my taxes to go against the total either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 2023-04-23 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: IL

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc 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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I have been receiving services from Lexington law for 2years .I had to pay excessive fees for the fixing of my credit report..i am victim of identity theft/abuse since a very young age..Lexington law collected monthly payments from me for two years and havent removed anything neither did any research on using the laws so I could reap the benefits of the fair credit reporting act on my behalf..im out of thousands Im a single mom & just want the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
The National Recovery Agency is continually harassing me about a debt that is not owed and that I have already sent them proof of having been closed and paid. It was my account with XXXX when I lived in XXXX. I moved to XXXX  and paid my XXXX bill in full and closed the account when I moved out of state. This company National Recovery Agency has harmed by credit by putting negative information on my credit report despite my having repeatedly telling them that the information they have is inaccurate and wrong.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted several times to handle this Situation with equifax regarding the breach of my privacy, this company keeps stalling. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date they have not responded. 

Your agency is reporting inaccurate information for the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$290.00} ). I recall my original creditor to be XXXX XXXX XXXXXXXX XXXX which is obviously a different company than the one you are indicating. Moreover, I have never had any contract with the company you are reporting, and I have never been contacted by them. Your agency has provided false information about the Balance of {$290.00}, which is higher than I believe it to be. As a result of these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) is also inaccurate. The original creditor on this account is a different company than the one you indicate - XXXX XXXX. You have reported a higher Balance of {$150.00} than the amount I believe I owe. I dispute this account due to these inaccuracies, and I also request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$130.00} ) needs to be investigated. The original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The Balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) is also inaccurate. The original creditor for this account is XXXX XXXX, but I do not recognize the company stated on this account, XXXX XXXX XXXXXXXX XXXX, as I have never had any contract with them. The Balance of {$400.00} is not reported properly, as I recall the balance to be lower. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account does not belong to me. I have tried everything that I know to do to get it removed. I have been at my current resident for 8 years and previous residence for 8 years and I have never lived in a apartment.

Company response to consumer: Closed with explanation