vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: AL

Complaint narrative:
I have XXXX accounts on my credit report with XXXX XXXX XXXX  that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

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 2023-01-08 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: TX

Complaint narrative:
I filed multiple disputes with Experian about XXXX accounts that do not belong to me. A charge off with a bank I have NEVER had an account with and also a collection that does not belong to me. These accounts were results of identity theft/fraud. Experian refuses to delete their accounts. The first account is a charge off with XXXX XXXX XXXX and the second is with XXXX XXXX XXXX. Both accounts owing over 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 2023-01-08 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received a letter in the mail that is clearly fraudulent. It looks like a scheme where it says I disputed something on my credit card as well as included what I ordered and they ask me to call and fax them more information to steal my identity and credit card information. The information provided in the letter is false and clearly a scam. I have included the letter, envelope and products that are said to be purchased by me.

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Fraudulent purchases were made on my Home Depot credit card account. Citibank , N.A . is the issuer of this card. I provided my signature to them to prove that the signatures that appear on the store sales drafts do not match the signatures of the authorized users of the card. Citibank is maintaining that I am still responsible for the payment. They have reported adverse information on my credit report and suspended my credit privledges.

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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX : XX/XX/XXXX Subject : Fraud XXXX XXXX XXXX XXXX AND Froze Account ending XXXX  To Whom It May Concern : I am writing this complaint hoping to get a response and/or resolution. I had have been a victim of Identity Thefts. I am writing not to complaint, but I believe this is one way to reach someone to ask assistance and resolution. 

In XXXX, I had lost {$5000.00} due to fraudulent activity. The funds were sent thought for Charity to supports orphanage. I had submitted the claim with the Fraud Dept and provided all supporting documentations. I have yet to receive an acknowledgement and/or any status to date. Incident had been reported to XXXX, FBI and the local authority. 

In XXXX I become a victim of Identity Thefts ; presumably, the same individual and his accomplices. This event by force to close out all of my accounts with Bank of America. The bank I trust and been a long-term customer. Incidentally, I was affirmed by the Bank of American location on XXXX and XXXX XXXX, in XXXX XXXX CA in-which all of my accounts had been closed. I continue to receive email notifications by email of the account balance. I have had gone back to the bank location 4x and once again I was assured that all accounts had been closed. I continue to receive emails. Today - XX/XX/XXXX, I went to another Bank of America location on XXXX and XXXX and told the account ending XXXX is open/ froze with a balance {$350.00}. I attempted to call the Fraud Dept XXXX - office is closed. 

Both incidences have been reported to the XXXX XXXX XXXX XXXX XXXX and the investigation is undergoing. I have all of the supporting documents and willfully submit for your investigation.

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 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
This company is reporting medical debt in the amount of {$60.00}, {$140.00} and {$350.00} to the credit bureaus. First, why do I have XXXX bills, why are they different than I was quoted and law says that they cant report if its under {$500.00}. I did go to XXXX XXXX XXXX XXXX XXXX XXXX and I paid my copay. I pay XXXX XXXX month for insurance and  insurance paid them to my knowledge. This was around 12 months ago.. that was plenty of time to notify me. 

Never in my life has something just been reported to credit without notification. As these are the only XXXX bills on my credit that are negative, thats a negative then I pay my bills. Im happy to pay what I owe, but this company just destroyed my XXXX credit without notification and none of it is legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
XXXX is reporting the wrong amount on bureau because of fraudulent charges not done by me. The balance is {$9100.00} but I only had charged {$3200.00} dollars. Please block and investigate fraud charges.

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 2023-01-08 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: FL

Complaint narrative:
am writing you with this formal objection of information published and provided by you to Transunion, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy.

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 2023-01-08 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: NC

Complaint narrative:
On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.

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 2023-01-08 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: AL

Complaint narrative:
I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

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 2023-01-08 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: AL

Complaint narrative:
I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
Experian XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false. 
I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy 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 2023-01-08 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: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false.

I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: AL

Complaint narrative:
There are two department of education accounts on my credit report that I was not responsible for because my social security was paying for these loans, please remove the two late payments off my credit report from the department of education. I have no knowledge of this because social security was responsible for my payments.

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 2023-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: PA

Complaint narrative:
I took out a credit builder loan with XXXX around XXXX of 2022. Its a loan that was $4000, I received 1500 of it up front and the rest was locked In a savings account held by XXXX XXXX I liked the idea for someone like me rebuilding my credit and XXXX was a reliable company with a great reputation so I I felt at ease borrowing from them. Also one of the biggest draws for me was the automatic payments that happened every pay day so that I didnt even have to worry about making payments and they just came out every time I got paid. I wouldnt even notice it. It was going very smoothly. Until XXXX 2022 I got an email from XXXX  saying they sold my loan to a company called SST (systems and services technologies )Which ok, it happens but I had only really heard of that with mortgage loans not with a loan like this. However XXXX assured me in the email that nothing would change, terms were still the same, auto payments would carry over and that my savings would be safe and I didnt have to worry about a thing. 
Well I should have known when I went to create an account on the new companies site and couldnt see any of my past payments made or any other info on my loan (and still cant) that something wasnt right. 
Fast forward to last Tuesday I get a call at work from someone at SST saying Im THREE payments behind on my loan and I owe them almost $300 immediately. What? I explained the email I got that said my auto payments were supposed to be transferred and that I had assumed they had, because silly me why would a bank lie to me? The man who called from SST looked this up and said oh youre right. I am so sorry about that. But they didnt get set up on our end so now youre behind and we are reporting this to the credit bureau

Lovely. I made one payment like I told them I would right away when I got paid but that I cant pay all three at once. That is NOT what I signed up for. I also didnt sign up for a loan at a shady company that calls and harassed me several times a day over THEIR mistake. I never ever ever would have taken out a loan with a company that operates with a website that has about two features , doesnt show me where my savings account is, what payments have been made, nothing.. and that cant get auto payments set up correctly and that just doesnt care and calls and harasses me over THEIR MISTAKE. And XXXX XXXX .. Im sure they knew in XXXX they were going to sell my loan, I should have been made aware so I could have opted out. 
Im not the only one that feels this way. Theres a whole XXXX  devoted to this topic and people talking about forming class action lawsuits. Two companies took advantage of people who already dont have good credit and are trying to rebuild. Shame on XXXX and sst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: IL

Complaint narrative:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX, XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 2023-01-08 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: IL

Complaint narrative:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have received a notice from CCS on behalf of XXXX XXXX XXXX Policy # XXXX XXXX XXXX regarding a balance, they claim I owe. I requested to get a QUOTE ONLY around XX/XX/XXXX, for a XXXX XXXX XXXX ( XXXX # XXXX ) The car was added to the policy without my knowledge. The owner of the vehicle traveled out of the country on XX/XX/XXXX, and got back home at the beginning of XX/XX/XXXX, and by then I had already gotten a quote from another XXXX XXXX that would start on XX/XX/XXXX. I had properly requested XXXX to cancel my car policy effective XX/XX/XXXX and sent me a refund if any to my address on file. They claimed my policy was canceled on XX/XX/XXXX because I didn't pay the full new monthly charge. I'm not responsible for any charges on this vehicle nor I gave the XXXX XXXX XXXX XXXX authorization to add this car to my policy, if added to my policy it means that it was completely a misunderstanding on behalf of the XXXX agent XXXX XXXX. Please correct this issue as soon as possible and stop definitively and future collection attempts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation