vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
The address on the account, was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-06-20 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 Account # XXXX Reference # XXXX ( XXXXXXXX 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 account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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 Reference # 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 account without my written instruction.

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 2022-06-20 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
Inquiries that I did not authorize are showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: CO

Complaint narrative:
I transferred money on XX/XX/2022 for the amount of {$75.00}. The money was already debited out of my XXXX XXXX account and was deposited on XX/XX/2022. Key bank is withholding my funds, so they can accrue their real time over draft fees. I spoke to a XXXX XXXX representative they informed me my information was correct and accurate, that my bank is holding the funds which is Key bank. Spoke to multiple online banking representatives, XXXX a supervisor encouraged me to sue. Instead of handling the situation at hand. She was rude. All I want is what's rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX there were fraudulent charges made on my account for a total of {$350.00}. I notified XXXX XXXX that these charges were fraudulent and they initially removed them from my account, closed that account, and began an investigation. However, when they opened a new account they transferred the fraudulent charges to the new account. Then, in a series of phone calls between XX/XX/XXXX and XX/XX/XXXX ( and some prior phone calls ), some lasting up to two hours, I was told many different conflicting. One representative alleged that those charges were charges that I had spent on the new account, which was demonstrably untrue. I had another representative tell me that that the transfer of the charges was a mistake on the part of XXXX XXXX. Finally, I had a third representative tell me that it was a part of XXXX XXXX XXXXs investigation process, which seems unlikely as I have never had charges be added back to an account while an investigation was pending. Furthermore, I never received notification that an investigation had started within the legally required 30 day period.

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 2022-06-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-06-20 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED XXXX XXXX XXXX XXXX Please remove it from my credit report. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Inquiries that I did not authorize are showing on my 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 2022-06-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX  XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Corp failed to provide me an option to validate or dispute prior to placing a derogatory account on my credit report. They placed two separate derogatory accounts on my credit report dating XX/XX/2022 and XX/XX/2022. I was not aware of this alleged debt with XXXX until my credit card company notified me of the first derogatory account. 

Penn Credit failed to provide me a validation notice. They called an incorrect phone ( XXXX ) number three times, allegedly mailed a notification on XX/XX/2022 and my credit report showed a derogatory account on XX/XX/2022. I verify my phone number with XXXX each time I go for services. Calling an incorrect number is unacceptable. 

The alleged mail notification that Penn Credit sent was dated XX/XX/2022 that I received today. 

On XX/XX/2022, I spoke with a XXXX XXXX and XXXX at Penn Credit. I first spoke with XXXX XXXX and requested I requested a copy of the doctors orders ( if applicable to my alleged debt ), a copy of all alleged correspondence, a copy of the EOB XXXX should have received from my insurance, and the actual claim that XXXX submitted to be sent certified mail in order to confirm receipt. XXXX XXXX stated that my request was completely unreasonable in my pursuit of verifying the debt and transferred me to her supervisor XXXX. 

XXXX claims that Penn Credit can not send me the requested information via certified mail. Clearly I have not received anything on this alleged debt. My credit score went from XXXX to XXXX after the first derogatory account was placed. Having a XXXX credit score clearly shows my attention to detail and care/concern over financial matters. I haven't received an updated after the second derogatory account was placed. 

The amount of this alleged debt is outside the expected with my insurance. Through my insurance I do not have a deductible or coinsurance. I am responsible for a {$10.00} copy for a primary care/PCP appointment, {$20.00} copy for a specialist, and a {$35.00} copay for an emergency room visit. A debt of {$680.00} is well outside a reasonable amount for my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I was charged a late fee because The Credit card company told me that I did not make a payment on time, that was simply not true. I called and spoke to a representative who at first apologized for the mistake and waived the overdue payment. I then received my next months bill with a past due amount attached to it. The waived past due payment from the previous month was attached to this payment. I called and spoke to a representative who informed me that It was because of the previous month past due amount. I told them that it had been resolved. I was then told by the representative that the person who waived the fee shouldn't have, even though i was not at fault. I was told that they do not make mistakes. I was also told that I was over drafted because of fees they added because of the past due amount. My monthly payment was almost tripled. I firmly believe this is wrong and that they are taking advantage of people who can not get normal credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: ERC
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: AVANTE
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I did some research and found that Genesis Financial Solutions has taken over this account. It is my understanding that it used to be serviced by XXXXXXXX XXXX, and now it is serviced by Genesis. My XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX  about XXXX XXXXXXXX reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX XXXX, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX XXXX, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I have an excellent relationship with Genesis. I have had three cards with them, and never missed a payment. It's offensive they would put so much false information about me on three credit bureaus. It's also offensive, by the way, that they have never increased my credit limits. {$300.00} is a pitifully small credit limit, which is what my Indigo card has and I have had it with a flawless record for two years. I filed a XXXX Complaint against XXXXXXXX XXXX  which they did not answer. I filed a CFPB complaint which they have not answered. I also now had to dispute the account with all three bureaus. This matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I paid {$500.00} a month extra to shorten the time for pay off. 
Bank used that money to make payments 8 months in the future instead of paying on the balance. 
When I sent checks to the bank they cashed one of them for the numerical amount instead of the written amount. 
Paid off the loan in XXXX XXXX, have not received the title or refund of payments paid in the future. 

Paid off my loan on motorhome, bank did not send title or release of lien. 
I have contacted them several times, they said they sent items, I have never received them. 
Bank is Ally Bank

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 2022-06-20 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Frontline Asset Strategies, LLC
State: SC

Complaint narrative:
Dates XX/XX/2022 and XX/XX/2022 Front line Asset Strategies continues to call me concerning a debt from other creditors, with a former creditor being listed totaling over {$1900.00} which I had no contact or knowledge of, saying if the debt is not paid it will be turned over to an attorney for collections. But it can be reduce to {$1200.00} if arrangements are made.

Company response to consumer: Closed with explanation