vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2023 my card was used 23 time at XXXX I call the bank to dispute the charge. I have filed the claim 4 time and have been denied. I didnt make these charges I have sent an appeal letter 3 time. 2 time via fax and the other via email. They keep saying they havent received the information. I have attach the appeal letter to this claim. I didnt make these charges and the bank refused to dispute these charge with The merchant XXXX. Im getting the running around from Citi bank. I also requested the information from their Investigation. But all I have received is the letter saying that Im responsible for these charges. Total of {$7800.00} in 2 hour was spent on 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 explanation
Consumer complaint received 2023-03-30 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:
I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX  account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was 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 2023-03-30 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: OH

Complaint narrative:
I filed a dispute with XXXX for a bankruptcy that was reported on my credit report and was notified by XXXX that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the XXXX XXXX  account was removed as well. The XXXX XXXX  account should have been removed as well as the XXXX XXXX account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CA

Complaint narrative:
I was charged a " debt protection fee '' which I never authorized. I took advantage of a Best Buy credit card promotion of interest-free payments for 24 months. I made my regular payments, but I was shocked to see this random fee I never authorized. I called the Best Buy Credit Card customer service number to report the issue, but they instructed me to call the phone number associated with the " debt protection fee ''. Whenever I would call this number, I am never able to get a hold of a person. Best Buy also mentioned that this fee may have been something the previous bank ( that managed the card ) included with the account. Even if this were true, why is my current card still incurring this " debt protection fee? '' I searched the internet to find any information on this fee, and I found a Best Buy forum where others have reported the same exact issue. Several Best Buy Credit card users were claiming they were being charged a scam fee labeled " debt protection fee ''. Whenever Best Buy would respond to these customers in the forum, they were told the same thing I was told -- which was to call the number associated with the " debt protection fee. '' The customers would then reply that they are never able to get a hold of a person when trying to call the number associated with the " debt protection fee ''. This is exactly the same issue I am dealing with. I have called Best Buy credit card customer service several times, but I keep getting told to call the number associated with the " debt protection fee. ''

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 2023-03-30 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: MI

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
I paided the things on my credit report and I did a dispute for them and it shows that they are paired in full but they still want remove them off 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 2023-03-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX : # 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 2023-03-30 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: GA

Complaint narrative:
I sent letters to XXXX, Transunion & XXXX XX/XX/2023 and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 1. XXXX XXXXXXXX. # XXXX 2. XXXX. # XXXX 3. XXXXL XXXX. # XXXX 4. XXXX XXXX. # XXXX 5. XXXX XXXX XXXX. # XXXX 6. XXXX XXXX XXXX. # XXXX 7. XXXXXXXX XXXX  XXXX Acct # XXXX 8. XXXX- Inquiry I didn't authorize 9XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize 10. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete 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 non-monetary relief
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 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: MD

Complaint narrative:
Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. Equifax score is over 600. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially XXXX I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: IL

Complaint narrative:
XXXX XXXX  XX/XX/XXXX  contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX  they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. 
At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. 
XX/XX/XXXX XXXXXXXX XXXX  sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). 
The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). 
I then received a letter from Capio partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/XXXX XXXX XXXX I was never notified anytime before XXXX  about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. 

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 Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TN

Complaint narrative:
WestLake Portfolio Management has been calling from multiple numbers since Saturday XX/XX/XXXX! I have requested debt validation from this company and have not heard anything back! They send emails at anytime of the night! They want payment for a debt that I did agree to with them! I signed a contact with XXXX XXXX XXXX, and they are currently in bankruptcy! I do not have a problem paying my debt and I certainly do not want a free car! I paid on the car for over a year and never missed a payment and they are so that that nothing has changed with my contract and that everything is the same! However they are not honoring warranties or repairs as stated in the original contract! They do not have titles and they are calling and demanding payments or telling people that are going to repo! They were sued in 2015 for these exact practices and continue to use these same tactics. They also state that previous payments are not considered so basically starting all over.

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 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/23 I received an email from XXXX regarding a fraudulent transaction to which I replied I did not make the purchase. XXXX  shut down my card and sent a new one. Minutes later I received a text from what appeared to be XXXX saying another transaction was attempted to which i replied " no '' saying I did not authorize. I immediately received a phone call from what populated as XXXX  customer service and the individual told me my information was stolen and wire transfers were set up but cancelled. He also said a Zelle payment for {$5000.00} was set up for XXXX XXXX that day. In order to cancel it, he told me I needed to resend the payment to XXXX. After hesitation he assured me he was XXXX reiterating my PIN number, account number to me, which I never gave to him. I mistakenly sent the Zelle payment to the number not knowing this was a scam. When I called XXXX about it, they did not know of the call and said they would investigate. They told me it was my fault for sending the money and Zelle said they do not refund scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX, at XXXX, I received a call from someone who said that she was from Wells Fargo and that someone had made a XXXX  transfer to " XXXX XXXX '' for {$1000.00} and a wire transfer of {$8100.00}. I don't know this XXXX XXXX. I called Wells Fargo and they canceled the wire transfer but Wells Fargo closed my claim on XXXXXXXX  and told me that they are not responsible for XXXX. Last year, XXXX XXXX chastised Wells Fargo for their lack of accountability and transparency with fraudulent XXXX claims. I want my {$1000.00} returned to my account. My life has been turned XXXX down. If Wells Fargo claims no oversight of XXXX, why do business with them? The account number that I listed in this complaint is actually my claim number for the XXXX claim

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
GIVING MY INFORMATION WITHOUT MY PERMISSION AND GIVING WRONG INFORMATION... THESE ARE NOT MY XXXX ... XXXX ... XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX AND XXXX XXXX # XXXX ... I DIDN'T MAKE ANY OF THEM

Company response to consumer: Closed with explanation