vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraud credit reporting Requested all of this information from all 3 credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Disputed inaccurate and fraudulent information. XXXX Transunion, a copy of the FTC report along with my ID and my Social Security card Trans Union not only failed to investigate, they retaliated against me for disputing these items by blocking me from accessing my full credit report not only on their website but annual credit report.com.

Then, when they did show what they did, they would not give me a full report so I can see if there were any other inaccuracies on my report they gave me two clippings and that is it and both of them said account verified, but how are you going to verify a fraudulent account? It is retaliation against the law to not allow somebody to get the credit report and shut access down. This is against the law.

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 2023-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: VA

Complaint narrative:
I sent XXXX letters through certified mail with return receipts. The first letter was a debt validation letter which they did respond to but did not have enough evidence to support their claims of {$690.00}. I sent two more letters requesting the following : 1. Pictures of damaged carpet, 2. Invoice from carpet company ( if professionals were used ), and if done in-house, provide to me any and all documents of repair and or replacement, 3. Before and after pictures of the cleanliness and condition of the carpet, 4. Any and all information that the pictures provided to me in your response dated XX/XX/XXXX, were from my unit. 

XXXX. Me giving you permission to furnish information to my consumer credit report.

Never got a response after sending those last two letters on XX/XX/XXXX, and XX/XX/XXXX. 

within the last two letters, I asked if they can't provide me with the documents delete my information from their system, and delete and remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX  for my XXXX because I am XXXX. In XXXX I had a XXXX  and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

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 2023-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Jupiter PreOwned Sales LLC
State: TX

Complaint narrative:
It was repossessed about XXXX months ago by sales my social is XXXX name XXXX XXXX METROPLEX ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In 2017 Equifax was Breached do to poor Security! My credit was XXXX score then because my credit info is now for sale at this very moment because of Equifax failure the crooks keep opening accounts in my name and I have to pay thousands to have my credit cleaned of these fraud accounts averages XXXX a year to remove and clean of these fraud accounts I have complained to Equifax about this and have received nothing but retaliation for example I have 28 years of credit history 15 credit cards for XXXX never paid late not even once perfect payment history, Equifax has deleted all my credit accounts from my history and are reporting to everyone that runs my credit that I have none this is a lie!!! 
They are not reporting accurate info I am attaching a copy of some of my accounts that I have had over the last 28 years!!! 
PS also i had continued to be denied from equifax since i applied for the XXXX reimbursement from the equifaxbreachsettlement.com this website has always confirmed my credit info was violated when i enter my last 6 social security number and last name, more and more retaliation since they keep denying to pay me any of the settlement from the class action law suit like all other americans!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX, XXXX and XX/XX/2021 I became extremely XXXX  with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a relaps and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
This is a formal complaint that the Credit Bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian } Upon reviewing my credit report, I have noticed that there are inaccuracies XXXX Address ill been living at XXXX XXXX CT XXXX XXXX IL, only for the pass XXXX  years! 
that should be the only address on my report. 
XXXX Inaccuracies, pertaining to an debt, which I believe to be erroneous,

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 2023-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I was incarcerated. I had logged into my Chime Account and I noticed that there were Several Unauthorized transactions as well as Unauthorized Transfers. I contacted Chime and filed a dispute, to which they denied XXXX hours after I filed. I filed a rebuttal to the denial and provided them with the documents that prove my incarceration began and ending. They also denied that one as well. I filed a final rebuttal and Ive spoken to them and asked them why my disputes were getting denied, they only told me they were sending a copy of the documents they used to determine the outcome, which I never received. The total amount of money stolen from my account is roughly {$7500.00} and they refuse to help me get it back even though I have sent proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. 
I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. 
XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. 
I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. 
I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. 
Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
Grain technology company will not let me change my payment method or my bank account to make a payment and they were reporting late payments on my credit report. I have tried emailing them and calling them and they are not responding. They will not let me change my payment method. They are scamming and racking up on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MS

Complaint narrative:
On XX/XX/ I have received a phone call from a debt collector from Florida ( Enhance Recovery Company ( XXXX ) XXXX XXXX ) in regards of an XXXX account with a total balance of {$610.00} that was opened under my personal identity without my consent. I have never opened an account under my XXXX XXXX XXXX cause my current XXXX XXXX XXXX  Plan is still under my parents. Its also the same company contacted me from last year XXXX month of XXXX with the same issue. I payed the previous one with the amount of XXXX $ knowing that i have never opened an account on XXXX XXXX XXXX just to avoid any stress due to the collection that was showing on my Credit Report. I also tried to contact XXXX XXXX XXXX but they weren't cooperating. I hope this time somebody will help me cause i have been stressing out of these fraud and scammers. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraud credit reporting Requested all of this information from all 3 credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraud credit reporting Requested all of this information from all XXXX credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint that the Credit Bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-10-29 00:00:00
Product: Credit reporting 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 is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, Experin has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if experian does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER 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 2023-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Company abused it's relationship with me to violate FCBA & collect money not due based on a SR22 violation of statute of limitations from 2021 creditor sent account to collections in XXXX when I own my own property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
XXXX of this year I had a bank account checking account ( XXXX ) closed with first United Bank and trust XXXX XXXX Oklahoma XXXX anyways I had done a job for a gentleman long story short you know paying me with a cashier 's check from a XXXX bank anyways I deposited the check on the XXXX of XX/XX/2023 ( it was credited it was credited to my account I left it in there for as long as the bank teller told me to. But anyways as soon as I withdrew a cashier 's check worth {$2100.00} the bank proceeded to call me and tell me that it bounced now I just don't understand that because that machine that they run it through should have caught it right away like I've seen scam checks go through the bank and the bank never credits the account if it's a scam check so my my whole argument but this is why was it in the green why was it credited to my account if it was fraud? First United Bank and trust company XXXX XXXX has been very rude threw this whole ordeal I do construction I don't deal with money like that you know I did a job somebody paid me I deposited it and I spent the money of course it's not my job to catch a scam it's the bank 's job I mean really when you get down to the nitty gritty the bank gets the money from me and any other individual that does business with them so I just I would like this whole deal cleaned up and fixed so I can open a business account and get a business loan and continue my life thank you very much that's all I've got to say if you need my input for anything else you have my credentials

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
I have tried to make XXXX payments on my loan to the Aidvantage company and all three times they have made a reversal payment. I was very careful to verify my bank account information when making my purchases. Because of that I have a late payment and because of that more interest accumulates so I want it to appear as if I had paid on time. 

I have not contacted them directly but I have searched for information online and cases appear with similar problems where the company only blames the person or the bank and I really do not try to go through that process to waste my time. Someone else fixed the situation by submitting a complaint here and that is what I want to do. 

The dates of the attempts to pay were : XX/XX/2023, XX/XX/2023 and XX/XX/2023. 

I have the XXXX emails that Aidvantage sends with payment confirmations. 

My bank account is with XXXX XXXX XXXX XXXX XXXX, with routing number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
XXXX gift cards were purchased from XXXX. Both cards had been used by fraudulent use and the {$500.00} cards had been drained. I filed a claim with XXXX, back in XX/XX/XXXX. I followed up in XXXX requesting the status of my claim and have not yet been informed. File # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HGREG.com
State: NC

Complaint narrative:
Hgreg.com has made inquiries in my credit without my consent and would need said hard inquiries removed.

Company response to consumer: Closed with explanation