vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: NC

Complaint narrative:
I have an inquiry from XXXX made on XXXX 2022 on my file. I have never applied for a card from XXXX XXXX or XXXX. I want this fraudulent activity 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 2022-04-05 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: GA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I dispute my credit report with Equifax about 2 collections XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX after the investigation they allowed the same accounts to be added to my report so these are on my credit resort 4 times the XXXX XXXXccounts added XXXX XXXX {$200.00} Open balance Opened XX/XX/XXXX XXXX XXXX {$59.00} Open balance Opened XX/XX/XXXX A DEBT BUYER/COLLECTOR CAN NOT TRY TO COLLECT ADDIONAL MONEY FOR THE SAME DEBT MULTIPLE TIMES THIS NEEDS TO BE REMOVED OFF MY CR AND EQUIFAX NEEDS TO CORRECT IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: DE

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXXXXXX XXXX XXXX Comforter, using my L.L. Bean XXXXXXXXcard, provided by Citibank. Since I mistakenly received a different color than ordered, I contacted customer service and was instructed to return the item. 
Over the course of six weeks, I made and sent numerous telephone calls and emails to L.L. Bean to ascertain the whereabouts of my refund, but to no avail. I then decided to file a dispute with Citibank. 
After finally receiving the merchant credit on XX/XX/XXXX, Citibank charged an additional {$140.00} to my account for the same purchase, which they comingled with a promotional balance transfer, having nothing to do with the comforter. In order to avoid paying the deferred interest on the balance transfer, which was set to expire on XX/XX/XXXX, I was forced to pay the {$140.00} on XX/XX/XXXX. Yet again, Citibank added another {$140.00} to my account on XX/XX/XXXX. I, again, paid {$140.00} on XX/XX/XXXX. 
After many attempts to rectify the situation, through secured messaging and telephone conversations ( one of which, they kept me on hold for over 30 minutes, then disconnected the call ), I canceled my L.L. Bean XXXXcard.

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 2022-04-05 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased two XXXX XXXX tickets as well as travel insurance The tickets were purchased through American Express Travel The tickets were charged to my American Express card The travel insurance was purchased through American Express Travel Insurance The travel insurance was charged to my American Express card In XX/XX/XXXX I booked two round trip tickets from XXXX XXXX, California to XXXX, XXXX. 

Unknown to me at the time the borders of XXXX were not open to travelers from the United States and did not open until XX/XX/XXXX. Upon learning this I attempted to cancel the reservation. I was unable to actually speak to a human being at American Express Travel Services and, upon desperation, I attempted and succeeded in canceling the reservations on line. 

Since the time of the cancelation I have attempted to resolve a refund with each of the entities noted above. To date I have been completely unsuccessful. 

Getting XXXX resolution from any American Express entity, I tried to speak to representatives of XXXX directly only to be told " you must work through American Express, we can not talk to you ''. In frustration I contested the charge card charges in that I was sold two tickets which had no value. The dispute was dismissed by American Express immediately. 

As you will see from the attached documentation I have been receiving emails from American Express Travel since XX/XX/XXXX regarding the inability of American Express Travel to access the " portal site registration of XXXX XXXX ''. I have no idea what this means and I have confirmed with XXXX they have no idea what it means either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I checked my XXXX XXXX and noticed a collection opened by Cavalry Portfolio Service on XX/XX/XXXX in the amount of {$1500.00}. They never contacted me about this debt via phone or mail to tell me about this debt they are trying to collect. I sent them a Debt Validation Letter on XX/XX/XXXX to verify the debt via certified mail with USPS. On XX/XX/XXXX XXXX sent me a letter of dispute and said that they would write me again in 150 days. On XX/XX/XXXX Cavalry sent me another letter with the verification of my debt. They did not provide me with all of the validation requests I had requested in my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: GA

Complaint narrative:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: OH

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX  XXXX / {$8600.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/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 non-monetary relief
Consumer complaint received 2022-04-05 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: OH

Complaint narrative:
I XXXX XXXX have attached my full complaint down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I got an email that I had got a loan out from Speedy Cash or XXXX XXXX XXXX. That I owed XXXX dollars and had to pay it right now or I would be charged with fraud and be suied for $ XXXX in court. I never got a loan out from them or anyone else lately. I do need a loan but have been denied. I called both companies they have no loan on file for me or even an account. I never received paperwork for a loan and no money was ever put into any bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a motor cycle loan with fifth third bank, which was previously held by XXXX XXXX. My loan balance as shown on my statement and my account was {$2500.00}. However I was told my pay off amount was {$5600.00}, with no explanation or breakdown of fee 's. 
A vehicle loan should incorporate interest into the total payment and divide it by the life of the loan. Late fee 's where applicable was attributed to the next months payment. I do understand that there could in some instances be early pay off or fees associated with early payment, my understanding is that those typically a percentage of the remaining balance. In this case my remaining balance was {$2500.00}, which couldn't possibly justify a pay off amount of {$3000.00}. 
I have not been offered any explanation or breakdown as to what this charge is or could be, rather I have been offered a history of the loan since they acquired it approximately 2 years ago, and theoretical hypotheticals based on interest and late fee 's which make no mathematical sense. 
As of today after paying what was my remaining balance of {$2500.00} my account shows an outstanding balance of an identical XXXX, but based on the payoff amount offered today that balance would actually be {$3000.00}. 
This feels like predatory lending practices by fifth third bank charging fee 's without explanation or rationale and holding the title to my property for penalties that haven't been explained through 4 customer service calls and management escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 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: VA

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and after going over I found out multiple a collections on it that I did not have any idea where they came from, at that time, I did not do anything, recently, on XX/XX/XXXX, I pulled my updated credit report and found out the following collection accounts XXXX XXXX XXXX, allegedly collecting on behalf of XXXX XXXX XXXX XXXX, with two alleged account numbers XXXX and XXXX with an alleged balance of {XXXX} and {XXXX} ; both accounts definitely do not belong to me. I have no other reason but to believe that I am a victim of Identity Theft. In the other hand, just a few weeks ago I received a collection letter from XXXX XXXX XXXX attorneys, trying to bring a judgment on me with an alleged account # XXXX, and they are trying to collect an alleged amount of XXXX} and/or any other amount. Looking forward to remove those accounts on my credit report, since I don't have any idea about those accounts that XXXX and Transunion are reporting.

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 2022-04-05 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ( Account # 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 2022-04-05 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have tried multiple times to get Equifax to remove XXXX county Department of Child support. Despite my overwhelming proof that this account is fraudulent, and request for a proper thorough investigation, this account remains on my credit.The most recent version of this account on my credit is incomplete. It does not show the terms or the amount to be paid every month, along with the highest balance being {$0.00} ( zero ). Why is there an account with highest balance of {$0.00} showing that I've made 96 % of the payment on not only still on my credit but impacting my credit negatively. All I asked for was for multiple times is that Equifax to do a proper investigation and provide me with the methods used to verify this account. I have been doing this for years and have yet to receive any documentation of such. Years. This is ridiculous and a clear violation of FCRA. The credit system is flawed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MA

Complaint narrative:
Our organization, XXXX XXXX XXXX XXXX, had its nonprofit checking account closed by PNC Bank without notice on or around XX/XX/2022. At which point, the XXXX, Massachusetts PNC branch ( located at XXXX XXXX XXXX  XXXX, MA XXXX ) refused to communicate with us and would only communicate with a former employee whose name was on the account. We had been trying to transfer ownership over the account to our organization 's president, but the PNC branch made it incredibly difficult to do so. Moreover, at no point did they communicate that our account would be closed if the ownership transfer did not occur. On XX/XX/2022, PNC communicated to our former employee that a check in the amount of our account balance of over {$60000.00} had been issued to that former employee, who lives in Maryland, and that it would take between 7-14 business days to arrive. As of today, XX/XX/2022, the check has not arrived at the former employee 's address. The PNC branch is not able to say where the check is and does not have a tracking number for the envelope in which they mailed it. Effectively, our entire bank account balance has been lost, employees have failed to receive scheduled payments, and damages have been accrued as a result. PNC has offered no constructive steps to remedy their failure to provide notice about the closure, deliver the funds promptly within 7-14 business days, nor satisfy our legal claim to funds which are ours. We are a nonprofit that had to open a new account with another bank, and as result of PNC, we currently have only {$50.00} in it. We need assistance immediately.

Company response to consumer: Closed with explanation