vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: Continental Finance Company, LLC
State: CO

Complaint narrative:
This complaint is against Continental Finance. 

I lost my XXXX Credit Card around the end of XXXX, XXXX. I called Continental Finance and reported my credit card missing. They instructed me to prove my identity because I moved to Colorado and they would only accept a fax to an office I do not know. I sent the fax to them with the requested documents. I never heard from them. I went to pay my bill online as I have done on time every time ( I have the records ) and the companies XXXX/Continental Finance closed the access to the credit card site and I could not get access to pay my bill. I finally received my new card about a month and a half later. I went on line and created a new account and I was able to pay my bill. 

I received two threatening letters. One in the beginning of XX/XX/XXXX and another on XX/XX/XXXX. They said I owed {$110.00} and there was a {$35.00} payment past due. This is impossible because I paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$35.00} each. 

These companies are criminals. Now referred here to as CFXXXX. They adjusted my cycle without telling me and billed me a service fee the was not due and charged me over {$140.00} in fees reflected in the last statement I received in XX/XX/XXXX that was the first since I had the card because everything was managed online. 

The statement dated XX/XX/XXXX had the following that I never received before Fees and other charges 1. Monthly network fee $ {$10.00} ( Never was there before ) 2. Annual Fee {$99.00} ( CFXXXX only did this because it was a new card and they are criminals. ) This fee was not due until next year. 

3. Late fee of {$40.00} for no reason.

In the reverse side of the invoice. ( This is the only one I have received from CFXXXX since I opened the card last year. ) It says " every month I will be assed a monthly fee. '' No amount stated and to close the card if I did not want the fee. 

So, I called CFXXXX today XX/XX/XXXX and was on the phone for an hour. I asked the person to transfer me to a supervisor to straighten this out. I was transferred 30 minutes later to a rude person that REFUSED to help. The fees that were asses in total I did not owe and this person refused to close the credit card. They are now falsely reporting on my credit report and gouging me in fees that I did not owe and I was not late on any payments.

/s/ XXXX XXXX XX/XX/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 2021-08-27 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: PA

Complaint narrative:
XXXX is reporting the following incorrect information and has been doing so for over a year with no help whatsoever. This is now causing me a lot of harm as I look for a new apartment I am unable to get approved because of this innacurate derogatory mark on my credit file. The following information is innacurrate and i have even provided a screenshot of my XXXX  account as proof. 

Balance - {$260.00} Amount past Due - {$86.00} Remarks - 120 past due All of the above is incorrect. My account balance is {$0.00}. My account is closed. And I am not past due. 

I would like all of this removed immediately from my consumer credit file on equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
This past week I check my credit and found that this company : Debt Recovery Solutions , LLC - put that I owe something from XX/XX/XXXX, this is not true when I start looking for information said that was from XXXX XXXX and I look back and I paid off that account and don't owe anything.. that was in XXXX. 

I did not get any communication, no mail no calls, anything.. when I try to call nobody answers, and when I check the phone number in the credit bureau did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
I have sent First Progress multiple letters asking for debt verfication! I sent those letters, via certified mail, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have proof that all of those times the letter was delivered within 3-4 days of me mailing them. I have yet to receive a response from First Progress providing documentation proving that I opened an account with them and that I owe them any money. XXXX XXXX is reporting to all 3 Credit Bureaus stating that I open an account with them on XX/XX/XXXX, which I did not! Also they are reporting that I owe them a balance of XXXX, which I do not because I never opened an account with them. The negative reporting from this company is really hindering my credit score and my credit file! This is completely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. & I have been waiting passed 40 days for a written response ( section 609 Fcra ). I ask that you remove these accounts now.

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 2021-08-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone logged into my accounts and possibly took some of my personal information. Lately Ive been receiving letters about opening new accounts. Today I recieved a couple of hard inquiries on my credit report from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I have no knowledge of. I have not applied for any credit recently. With that being said I would like this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax had a duplicate file for me, this was finally fixed in XX/XX/2021. As you can see my credit report can be accessed on XX/XX/2021, on XX/XX/2021 my credit report went back to the duplicate and saying I was a fraud victim and have an extended alert which I do not! I also disputed to Equifax that they are reported a single account, XXXX XXXX, twice! I only have one account with them. I have enclosed copies of my issues, things never get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.

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 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.

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 2021-08-27 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: SC

Complaint narrative:
on XX/XX/2021 I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, and I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Credit Card TARGET/TD XXXX XXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.

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 2021-08-27 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
these two accounts appear on my credit report, they are hurting me, they don't belong to me Identity Theft WF/XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

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 2021-08-27 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: NV

Complaint narrative:
I have submitted several disputes to Transunion, most recently filed on XX/XX/2021 regarding 2 delinquent accounts on my credit report from Dept. Of Education to have these accounts removed from my report at the request of the Dept. Of Education. Transunion REFUSES to remove them even though the reporting agency has requested they be removed several times in writing! This is a direct violation of the Fair Credit Reporting Act and this agency is negligent and seems to be vengeful in its actions. I would like this agency investigated and this matter resolved Immediately! All other credit agencies have removed these accounts already as the request of the lender, the only one that refuses to remove them is TRANSUNION.

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 2021-08-27 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:
I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). If so please produce a contract between you and I showing that I gave you permission to furnish this report. I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on XX/XX/21 you responded that you will start an " investigation ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU STATED IN YOUR RESPONSE ON XX/XX/21 THAT YOU WILL " NEED TO CONTACT THE DATA FURNISHER ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation! 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!

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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I have received a letter from QCS-Qualia Collection Services with letter informing me this is an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
So I have been a member of Citibank credit card for close to 3 years I had an instance in XXXX & XXXX where I had fallen behind unfortunately due to loss of income at the household because of covid so I had requested for a payment program to help me catch up I didn't think they would report me late however to the credit bureaus. I have been asking them to no avail if I can pay the amount due on those two statements if they can then update my credit report but no one is willing to help out at all. 

I feel it is unfair that during this difficult times that these credit card companies will not sure any sympathy whatsoever and I have been paying on time ever since and prior to those two months.

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 2021-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I sent a Multiple Inquiry Removal Letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021 by certified facsimile in order to dispute information, in regards to 7 hard inquiries, that were being reported on my credit report. They received all 3 of the letters and did not respond at all! According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it's files. The fact that I did not receive a response proves that there was no investigation into the matter at all, even though I requested it. I plan to move into a new home by the end of this year and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything not did I give verbal confirmation for my credit to be accessed. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received my EIDL loan, and grant of XXXX into my personal account on XX/XX/XXXX. XX/XX/XXXX Citibank froze my account. They informed me they would investigate. They closed my account XX/XX/XXXX. As of today they havent sent any of my funds back to the SBA

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