vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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 2022-12-16 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: GA

Complaint narrative:
I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I reached out to Destiny over XXXX  month ago by telephone to let them know I have received their phone calls and I was unable to pay them XXXX in minimum payment because I have other debt obligations and my work hours were reduced due to XXXX. The representative told me they didn't have a program they could offer me. Because I haven't been able to pay all the late fees, interest, and minimum payment they are asking for, the card is seriously over the limit. I am reaching out to CFPB because I haven't been able to obtain appropriate help on my own to help resolve my debt. I would like to know if you are able to modify the payment for a few months to help me get back on track. I receive calls and texts but they refused to help me with an affordable repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 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.

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 2022-12-16 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: PA

Complaint narrative:
I am a victim of identity theft. attached is my ftc report, social security card, state id and utility bill My identity has been stolen. 

Unauthorized Accounts/ collections have been fraudulently used in my name. This is wrong. 

block and remove these accounts/collections/charge offs XXXX. Experian Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experianXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items with the bureaus on XX/XX/2022, but they did not remove them nor prove validation. 

Sec. 602 I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
Dear CFBP, I would like to file a complaint against XXXX ( Circle Internet Financial Inc. ) I have transferred USD to my XXXX account, and unfortunately, I have misspelled a letter in the reference code. Therefore, XXXX has reverted my USD transfer, causing me almost three times more transaction fees. 

After six days, I started to follow up on my payment, and then it turned out that the transaction fee for my initial payment from XXXX to US was approximately {$65.00}, the fee for the reverse transfer from US to XXXX was approximately {$35.00}, and the fee for retransferring from XXXX to US was {$65.00}. Therefore, the cost of the transfer was about {$160.00} instead of {$65.00}. 

Please let me know where can I file my complaint in order to get a refund or compensation. 

I look forward to receiving your answer soon. 

Best regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit they are stealing my money from my checking account and I only have one address I live at XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
I was told false information about the school and program. They avoided all my questions that would have revealed them being a private school the cost of attendance and financial advisor never spoke with me or return my called. I asked a week before my monthly attendance to be removed from the school due to false advertising and my advisor stop contacting me or neither return my calls after the information had been revealed and I told the school that's not the information that I received. They yet have removed me and I told them about my last school who had done the same thing and that's why the advisor lied to me. I knew when she asked me do I know anyone who is interested in furthering their education that they was a scam and enrolled students telling lies just like my previous college. Advisors lie to enroll students to get paid...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have contacted Citibank several times over the past year to change my due date from 15th to the 30th. I requested this over the phone, through chat and also they mailed us a form to complete to request the change which was completed and returned. Every time i contact them since this time they advise the system is down and they can not help. In the meantime due to financial matters i can not make the payment on the 15th and they are now charging me late fees each month even though they are fully aware that a simple due date change would put me current and avoid the fees. The resolution was to put me into a payment plan for a payment on the 15th which DOES NOT help me. The late fees and charges keep accumulating in the meantime. I just want my date changed to the 30th and to have the late fees reversed due to this matter.

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 2022-12-16 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I did not authorize any of those companies to Run my Credit. Below you will see the attachments of all inquiries that I will like of my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: PA

Complaint narrative:
I noticed multiple accounts on my credit report that I dont recognize

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 2022-12-16 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: WA

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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:
I noticed multiple accounts on my credit report that I dont recognize

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 2022-12-16 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:
I noticed multiple accounts on my credit report that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX x already, BANK OF AMERICA STOLE money out of my account, the first was for {$500.00} and the second time which was just last week was {$600.00}. They stole my bill money, and now XXXX cant pay my bills. 

They keep claiming I own them money but actually they owe me money stemming from a fraud claim. They owe me thousands of dollars, have destroyed my credit, and closed my accounts when I was kidnapped. Now they blocked me from my credit, and started harassing me nonstop to give them more money, threatening me, and now are stealing money out of my accounts. 

I have spoken to the company over XXXX times in attempts to resolve this issue and get all my money back, get my credit back, and to remove all the fraudulent negative reports on my credit. 

I get no where with them. The last time I spoke to them, I told them they had 2 days to put the money back in my account or I was reporting them. They never returned any of my money, all my bills are now late, and I am fed up with them stealing from me, XXXX XXXX XXXX XXXX allowing anyone to charge my card unauthorized and demand the money from me, then on top of that now the bank is stealing more money from me! 

Before they closed my accounts when I was kidnapped, they told me if I made payments just to keep my account in good standing while they were XXXX XXXX on a fraud claim, that I would get all the payments, interest payments, fees, and fraud money back when they finished working on it. That was in 2018. It has been 4 years, they owe me thousands f dollars, and now instead of paying me my money, they are stealing more money from me. Nonstop harassing me, destroying my credit with fraudulent negative reporting to the credit bureaus, and now XXXX cant even keep a roof over my head because they keep stealing my bill money.

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 2022-12-16 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: SC

Complaint narrative:
Not only has these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NOT GIVEN ANY OPTIONS TO OPT OUT, NOR WERE ANY OF MY OPTIONS EXPLAINED CLEARLY TO ME. These companies continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should they again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I KNOW MY LAWS AND I KNOW MY RIGHTS. I HAVE A RIGHT TO PRIVACY & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Upon checkout at macys online I was prompted to apply for a store card to save a percentage and earn points towards future purchases. I applied at checkout and was approved for the macys store card. I then returned to checkout to find the card had not been added. I called the customer service and the outsourced agent did not speak or understand XXXX well enough to understand my problem. She then said I could just tell her what I wanted to buy and she'd place the order. I was so confused by this so I went to macys and when they called on my behalf they coul not resolve the issue either or explain why I would be prompted to apply to save on my order then not be given the savings or the card added to my account. Macys customer service could not add the card my my account either. I never received the promotional points or percentage of my order and was unable to charge the items and paid another way. Predatory way to get people to apply.

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 2022-12-16 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: NC

Complaint narrative:
There are multiple accounts on my report I do not recognize

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 2022-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.

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 2022-12-16 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: NC

Complaint narrative:
There are multiple accounts on my report I do not recognize

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 2022-12-16 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: NC

Complaint narrative:
There are multiple accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: I.C. System, Inc.
State: GA

Complaint narrative:
Incorrect data on collections acct. acct are not mines.

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 2022-12-16 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Incorrect data on collections acct. acct are not mines.

Company response to consumer: Closed with explanation