vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/2023, I spoke with 'XXXX XXXX regarding an issue surrounding a claim. I reported that I believe that I do not owe this debt. The agent ( XXXX XXXX asked why. I gave her my reason. She become agitated and stated that on XX/XX/2023, the debt would be reported to a credit agency and 'affect ' my credit. I asked why their company notified of this claimed debt on XX/XX/2023 and only gave me 38 days to pay and then report it to the credit agency. XXXX claimed that their company only gives debtors '60 days from the time collections receives the claim. Not when the debtor is notified '. I stated that this seems misleading and is directly going to harm my credit score. I asked for an extension, as this was the first time I was made aware of any claims/debt. It is also unclear as to whether I actually owe this debt. I may file separate complaints in regards to a incorrect amount and the face that I may not owe this deb at all. This complaint is in regards to their credit reporting practices; claiming that they give debtors 60 days to pay and then reporting them to credit agencies 38 days after notifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: AR

Complaint narrative:
PRO Collect XXXX contacted me on multiple occasions. The first gentlemen I spoke with I gave him the name of the law firm that I am using to handle debts and eventually file for bankruptcy. I have asked the company to not contact me directly and to refer any questions comments or concerns to my attorney directly that I have retained. They still continue to call me and tell me that until I file bankruptcy in court they will contact me and not my attorney. The most recent calls were on XX/XX/2023.

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My ex husband apparently opened a card in my name as a secondary user. I have not used the card, did not agree to the card, and Capitol One won't take it off of my credit report and won't let me close it because I am not the " primary ''. 
I have been divorced for 7 years and do not want that card in my name or on my credit report. I have never seen the card, don't use it and once I paid it completely off 4 years ago in order to get a mortgage. 
I had to pay my ex husbands debt off ( I never used it and it wasn't my debt ) to get a mortgage! 
IT IS NOT MY CREDIT CARD AND I WANT IT REMOVED FROM MY ACCOUNT. 
Capitol One is acting in a fraudulent manner at this point. 
I have complained to them in person and through XXXX XXXX. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent the credit bureau copies of my full name, address, social security number, and copies of documents for my personal information. I have requested them to remove misspelled names and numbers, addresses that are not mine, and that is not correct. I wish to get the resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
No Knowledge of right to dispute debt with creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX - OPENED ON XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX - OPENED ON XX/XX/XXXX - XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
XXXX you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX XXXX  XXXX you reported inaccurate information.. US DEPT OF EDXXXX XXXX Equifax you reported inaccurate information.. XXXX 
XXXX These accounts has been furnished.. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, EQUIFAX, XXXX have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NY

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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 2023-04-07 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: NY

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
I've dispute transaction and no provisional credit haven't came to my today is the 10th day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I filed a legitimate dispute for two transactions for {$660.00} and {$640.00}. The Merchant after 2 months resolved the dispute and credited my credit card account the unauthorized charges. The dispute was resolved. And over with.

Citibank employees in their Security Department open up fraud claim for {$900.00}. They did this without my consent and without my knowledge. When I became aware of this and advised them to stop! Citibank sent the Police to my home based on false accusations that my credit card account is in collections and I made a threat! All blatant lies!

Citibank shutdown my credit card in numerous occasions without sending me a letter stating the reason why they closed down the credit card! Citibank employees impersonating me sent documents to all 3 credit bureaus stating falsely, my credit cards were obtained through identity theft and fraud! Another egregious lie told by Citibank. Citibank closed my account without any justification and falsified my accounts notes!

Citibank opened a fraud claim for transactions I never had any issue with! I never requested for Citibank to open a fraud claim but they did and then closed my account! All of Citibanks egregious actions towards me and harassment was intentionally done because I am a XXXX American woman and I have no rights in America. 

Citibank needs to be held accountable for their unlawful actions and harassment towards me! I am an able bodied Adult who can make my own decisions about my credit card. Citibank has caused me great financial hardship! By snatching and closing my account I am unable to pay for items that my home needs to function. They took away my credit card for no reason except they wanted to hurt me financially because of my Race! My account was in good standing and I paid my monthly bill on time and was never late! Citibank took {$4000.00} away from me and my family and it was all done because I am a XXXX woman. Citibank Reported derogatory information to the credit bureaus all to ruin my good credit status! They lied and stated my account has late payments! Thats a lie I never paid late on my credit card. Citibank harassment and abuse is ongoing and I want back my credit card and for Citibank to leave me alone!

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 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ON XX/XX/XXXX I NOTICED I HAD ACCOUNTS ON MY CREDIT REPORT THAT SHOULD NOT BE THERE, I CONTACTED TRANSUNION AND ASKED FOR A CORRECTION AS THEY AND YOU CAN SEE, I HAVE A GREAT CREDIT SCORE. I AM A SINGLE MOM WHO WORKS AT A JOB WHERE I AM NOT ALLOWED TO HAVE ANY NEGATIVE REMARKS ON MY CREDIT. BECAUSE OF THIS, I KEEP MY BILLS PAID AND ON TIME. I REACHED OUT AND ASKED THEM TO INVESTIGATE THIS MATTER, AS I CANT LOSE MY JOB OVER THIS. THEY CLAIM THEY DID AND IT CAME BACK AS VERIFIED, AS I KNOW THIS CANT BE CORRECT AS THE ACCOUNTS, ALL HAVE DIFF AMOUNTS, OPEN DATES AND CLOSED DATES. 
THE XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) THEY SAY OPENED XX/XX/XXXX AND XXXX  XXXX XXXX  FROM XX/XX/XXXX ALL THREE OF THESE HAVE VIOLATED MY RIGHTS AS I HAVE STATED AND TRANSUNION NEGLECTED TO HELP ME OPEN A NEW DISPUTE FOR THIS, AT THIS TIME I AM EXERCISING MY RIGHTS AS MENTIONED ABOVE. 

IS NOT MINE AND THEY REFUSED TO PROPERLY INVESTIGATE THIS MATTER. I REACHED OUT TO THE BANK MYSELF AND HAVE A LETTER FROM THEM STATING I NEVER OPENED SAID ACCOUNT, PLUS THE LAW OF THE FCRA PROTECTS ME ANYWAY, 15 USC 1681A ( 2 ) ( I ) AND THE LAW PURSUANT TO 18USC 8, I OWE NO DEBT THEY ARE VIOLATING MY 15 USC 1681B RIGHTS AS I GIVE THEM NO PERMISSION TO EVEN REPORT ANYTHING ON MY FILE, MUCH LESS ANYTHING THATS NEGATIVE INFORMATION. PLEASE ASK THIS COMPANY TO RESPECT THE LAWS I HAVE STATED ABOVE.

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 2023-04-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have noticed that I have several inquiries from creditors that I have not applied for or given permission to pull my credit. I have no knowledge of ever applying for credit from any of these creditors or financial institutions listed below. 


XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX  - Inquiry date XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX I have contacted the creditors and they have instructed me to file a complaint.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Experian is indicating an 'unscorable ' rather than a ( n ) usable credit score, fix please.

I verified with Experian providing my Oregon State ID, Social Security Card and XXXX XXXX XXXX  Statement. 
I want Experian to indicate the accurate credit score for my usage. The XXXX XXXX XXXX is scheduled to erase and delete on XX/XX/XXXX of 2023 noted on my Experian membership. I spoke with Experian multiple times and received an agreement of the XX/XX/XXXX deletion date. In addition all hard inquiries erased. I spoke with the student loan XXXX that stated the student loan amounts are sent to the three credit bureaus monthly. The XXXX and XXXX are both showing the {$95000.00} account balance with verifiable credit score. 
Fix and indicate the score with the hard inquiries removed and collection removed with Dept of Education XXXX amount and balance to be indicated on my Experian account immediately with previous data of in good standing previous student loans Immediate. 
XXXX : XXXX. 
Address ( es ) :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have noticed that I have several inquiries from creditors that I have not applied for or given permission to pull my credit. I have no knowledge of ever applying for credit from any of these creditors or financial institutions listed below. 


XXXXXXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX I have contacted the creditors and they have instructed me to file a complaint.

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 2023-04-07 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: CA

Complaint narrative:
On XX/XX/2023 I woke up and saw that I got a credit alert. I quickly checked my XXXX account and to my surprise there were two hard credit inquiries that had been put that same day. 
One was an installment loan or new bank account inquiry from CITICARDS on XX/XX/XXXX The other was a BANK/CREDIT INQUIRY from XXXX  also XXXX XX/XX/XXXX. 
I did not ask for a loan or any credit check from these companies. I have not applied to a line of credit in a while as Im already paying off current debt. Luckily I caught it early and disputed the inquiries and put a fraud alert on my XXXX account. Please investigate this further

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