vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
So I was hung up on calling Citi preferred diamond card, customer service representatives twice. My card was to believed to be fraudulent. I was never able to access or create an online account I spoke with a customer service representative back in mid XXXX, and was told because of that confusion and mishaps that my due date would be pushed out XXXX XX/XX/XXXX. This was in XXXX. I finally was able to get through this morning. Today is XX/XX/XXXX and the gentleman was not willing to help me. Putting words in my mouth and getting very defensive I told him I am a customer. This is what I was told. Why isnt it not in your system? I asked to speak with a XXXX he would not allow the transfer, and I asked why the conversations were even recorded if They are if they could easily go back and verify that I had been told that my due date was a pushed out a month as a courtesy from city, this is an elite card. I just would like to see if theres any misconduct and to have city be held accountable possibly even paying half of my balance. I did a balance transfer when I signed up for the card when I applied for the credit card back in XXXX, it took over a month for the transfer to go through. Thats ridiculous plus a {$200.00} fee so if anything I want my {$200.00} back credited to my account and I want any late penalty or fee associated with this account to be reimbursed due to the fact that I was told it wasnt due until XXXX. Therefore I dont have it today that is what really made me mad. Thank you so much.

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 2023-07-16 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: GA

Complaint narrative:
I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security XXXX. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2023-07-16 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: VA

Complaint narrative:
Experian has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. Experian has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after Experian and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from Experian. I started to notice I would get emails from Experian stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted Experian I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic Experian is using. Experian has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed Experian that if they continued these tactics I would seek monetary damages in Federal court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to Experian and they still continue to report inaccuracies on my credit report. 

Im addition XXXX has failed to even dispute my claims. They were sent certified dispute at the same time as Experian. XXXX doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police 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 2023-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
A request to validate debt was submitted to ( AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ) back in XXXX of 2023. This company was not able to validate the debt was owed by nor have they submitted sign proof that I signed an agreed contract with them. Can someone please instruct this company to remove this debt that does not belong to me from my 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 2023-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: HI

Complaint narrative:
I wanted to pay off my loan was hit with more financing fees when I have paid off the entire loan within a month. My first high payment was met with a phone call from the business owner insulting me by assuming I was making a one time big payment and not paying the rest. This last week I made a payment of {$2500.00}. Asking for the payoff and amount was told it was {$2500.00} called Friday XX/XX/14 and was hit with a financial charge of {$2800.00} and was told that I will need to payoff the $ XXXX. I asked to have them removed and they will not work with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2023-07-16 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX 15 U.S.C 1681 Section

602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also sta
tes a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: LD Holdings Group, LLC
State: LA

Complaint narrative:
Im writing to you about the missed payments on my LoanDepot mortgage account. I applied for a grant from : https : XXXX ( Louisiana Homeowner 's Assistance Fund administered by the " Louisiana XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX last year XXXX. I was awarded a grant for mortgage payment assistance for people affected by the past XXXX pandemic. The payments began in XX/XX/XXXX, sent electronically to the lender. ( 3 payments ) The grant program informed me through email, that additional money was available from Louisiana state, and I received additional payment assistance. 

Payments started up again around the end of XX/XX/XXXX, beginning of XX/XX/XXXX. Fast forward to XX/XX/XXXX, I checked my LoanDepot online mortgage account, it says past due. It shows the mortgage company actually sending back some of the grant money payments. I called XXXX XXXX XXXX  grant department, and they said they overpaid my mortgage by 3 payments ( {$2500.00} ) Because of a clerical error by the The Louisiana Homeowner Assistance Fund grant program, my account was made past due, without my knowledge, until after the fact. It has also negatively impacted my credit reports and future livelihood. I also had to be hospitalized for a short period of time the week of XX/XX/XXXX. 

Im asking for my credit report profile to be fixed with the credit bureaus and negative items removed. And Im asking for the mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be put to the back of my mortgage loan. I can resume regular payments as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
My account is being reported as repossession for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have made payments every single month including the mentioned dates. There is also holes in their reporting. One month will show repossession, another month will show no information, and other months will show as paid. I have opened multiple disputes with XXXX and have contacted my Finance Company directly over the past 3 months and Im still having the same issues. I have been told multiple times that higher ups in the company will look into it, and when the dispute is updated the information still being reporting incorrectly.

Company response to consumer: Closed with explanation