vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX XXXXXXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXXXXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement

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 2022-08-19 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: MI

Complaint narrative:
My credit report stilll show inaccurate comments in Disputes On inaccurate accounts on credit report. 
they where not investigated. This is grounds for removal they also violated my rights under This Correct information Listed below should only be on my credit Reports Correct Name XXXX XXXX XXXX Correct Date of Birth XX/XX/1979 Correct Address XXXX XXXX XXXX Michigan XXXX Correct Social Securit ; y number # XXXX Correct Phone # ( XXXX ) XXXX Correct Email Address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
I have had charges made on my XXXX XXXX account as well as my checking account while I'm in XXXX  and unable to do anything. I submitted verification of me XXXX in XXXX  and advised that my phone and wallet was stolen prior to XXXX  and I didn't authorize any of the charges and they're not actually investigating these or refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: GA

Complaint narrative:
I XXXX XXXX CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: LA

Complaint narrative:
My complaint is regarding bogus charges/fees to my account. The information they are stating to me is not accurate. 
In XX/XX/2021, i received a statement saying i owede XXXX balance which should have been my final payment. I paid the XXXX. I got another statement at the end of XXXX saying i owed XXXX. I paid that. In XXXX i get a bill saying i owed XXXX in late fees. As i was never late, i couldn't understand. I called to find out the charges. They told me they would wave XXXX late fee but i had to pay the remaining. I asked several times what was the charges for. No explaination. I then decided to spare my credit, i would pay the XXXX even though i knew i didn't owe it. I just wanted my credit clear. Bur they keep billing me and im at my witts end. They sent me a bogus statement saying in XXXX, i owed XXXX but i really only owed XXXX for XXXX. So i was able to find my statement for XX/XX/2021. It had a balance of XXXX. XXXX. Next payment due XX/XX/XXXX in amount of XXXX. I paid XXXX on XX/XX/XXXX. I made a purchase of XXXX. XXXX on XX/XX/XXXX. My next payment was XX/XX/XXXX in amount of XXXX. I made a XXXX payment all the way up to XX/XX/2021 when i made the XXXX. Payment. I can find no logic for me owing XXXX as they claimed i owed in XXXX. I did electronic payments through my bank. I never missed any payments and didn't make any other charges. I have begged for them to look at this error that has obviously been made. 
to the correspondence that was sent to me, the have my XXXX balance as XXXX there is no way possible my balance could have been XXXX when I made no charges, was never late on payment, never missed a payment. My balance was only XXXX. The statements I asked them to provide a copy of the statements, not these typed up letters they are submitting but actual statements to prove to me where these extra charges come from. I have made one purchase this year. XXXX. I'm begging for a resolution because I don't owe this money. I promise I paid what they billed me!

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 2022-08-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with.I HAVE NEVER EXPRESSLY AUTHORIZE, CONSENT TO AUTHORIZE OR DIRECTED EXPERIAN TO SHARE MY INFORMATION.

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma notified me that I had a new hard inquiry on my credit report as a result of a XXXX XXXX credit card application that I did not send in. After the perpetrator received the denial, they opened a Credit Karma bank account, ordered the debit card, and added the digital card to their XXXX XXXX, all in my name through my Credit Karma account. They were able to add their own phone number to my account in order to get the verifications necessary, all without any permissions or identity verifications from me, the account owner. Credit Karma could have ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Family member stole my identity and personal information. And use it to apply for a us dept education loan.

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 2022-08-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My current score with Experian is over 100 points less than XXXX and XXXX. Nothing is ever updated, not paid accounts, not on time payments nothing. In the past year it has changed maybe twice. When I called to ask why they arent updating my information and why are they the only credit company not doing so, the representative told me they dont know and to wait. I understand that the scores from all three would differ but at a XXXX point gap, that is egregious and without any explanation. No agent has explained why and Im wondering if this is discriminatory. I need this investigated and rectified. In addition, Experian has Experian boost. I have tried to link my bank and they didnt have it, but stated it would be available within a three month period so I could update it. This was a year ago. They still havent included the bank and when I call, the agent, it seems, didnt know. Once again.

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 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Hello I have contacted XXXX XXXX heHello I have which is the collection agent no wor of times to let them know that I do not owe this ive also contacted Genesis card services back on XX/XX/XXXX of 2021 to let them know that the card was open inaccurately I keep getting calls and emails from XXXX XXXX XXXX this has stopped me from getting the house because its showing in collection when this debt is not mines ive spent over a year trying to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have numerous Inquires that need to be removed hard and soft - and also a Bankruptcy that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
KIA motor finance stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX  handled the case. XXXX  sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to KIA not sending paperwork correctly. Can have XXXX  provide information on that statement. 
XXXX  said the {$500.00} was not due KIA, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after KIA bulk reporting several months of late at once and after XXXX  informed me that the {$500.00} was not due to KIA. KIA says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX  said not too pay. KIA emailed a letter with different numbers, we paid the {$500.00}

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 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
At XXXXXXXX XXXX Friday, XXXX XXXX, 2022, I received notification of a voice mail. I listened to the voice mail and the lady 's name was XXXX XXXX and she said she was calling from the Office of Financial Credit Network at XXXX. 

Unfamiliar as I am with this company, I XXXX  it. It turns out they are a debt collector. The Office of Financial Credit Network has violated state and federal law because I have notified all creditors IN WRITING that ALL communication with me is to be IN WRITING. I want a claim filed and to be reimbursed for the Office of Financial Credit Network violating federal and state law. 

Thank you very much for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
on XX/XX/22 approx XXXX I received a text that looked like it came from Chase stating that someone had made a {$5000.00} XXXX  payment from my account and it asked if it was me. I sent a text back no and then immediately got a call from a man identifying himself as an employee of Chase in the fraud department He was talking rather fast but was saying that I needed to take steps in the next few minutes to block the transaction or it could take several months to get my money back. I challenged him about whether he was really from Chase but he told me to look at the number he was calling from and stated it would be the number on the back of my chase business card as customer service. Although I still felt reservations I proceeded to listen to the steps he told me to take. Put my name as the receiver, {$5000.00} in the amount and then gave me a number which he said was my claim number. Every hesitation I had he had a quick come back which kept me in the manipulation. I pushed the final button and he hung up, and I knew I had been scammed. I believe he had some way to read my log in and password because 7 days later a chase amazon card whose number was in my online banking was used to make a purchase at a near by XXXX for over {$1300.00} but chase stopped it. I immediately notified Chase and filed a claim. The Chase employee who talked to me said that I would not be held responsible when someone impersonated a Chase employee. When I called in 8 or 9 days later they told me they were not going to pay me back and that they had filed a claim with XXXX. on the XXXX of XXXX I received an email stating they would not pay. I found information on the Electronic Fund Transfer Act and read about examples of someone impersonating an employee and inducing a consumer to make a payment which was considered an unauthorized transaction under this act. I questioned online with Chase whether this situation fell under this act and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am XXXX XXXX submitting this complaint against RADIUS GLOBAL SOLUTION and there is no third party involved. RADIUS GLOBAL SOLUTION did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

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 2022-08-19 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:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give XXXX written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this Behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
complaint # 1 : I closed my AMEX Hilton Honor account awhile ago because of the following poor service/amex employees lying/ and false information they saved to AMEX erp systems. Before I closed my account, I initially called to ask that the " close '' date to be changed to a certain date of each month. the customer service agent said not that the date requested of the XXXX but said could change it to the XXXX of each month. I agreed. However, I could tell soonafter that the " close date ' of my account enting in XXXX was changed to something else by logging into my account on amex 's credit card owner portal. I called AMEX again and the agent apologized for AMEX 's error. The agent confirmed to me the " close '' date for the account would be changed to the XXXX and admitted to and apologized for Amex 's error. I could tell soon later though that the close date was changed to something else by logging into my account on amex 's credit card owner portal. I called again and the agent apologized for AMEx 's error and promised the 'close date '' of my amex account would be changed to the XXXX of each month. but again when I went onto AMex 's portal for account holders the same error was being made and the 'close date ' of my amex account was not changed to the XXXX of each month! I went thru this 4 or 5 times. in the FINAL call back I made to amex, the amex agent stated the records showed in error andstated perjurious information that I agreed to the 1st of each month which is a total LIE!!!!!!!!!! So out of anger and frustration I closed the account. I strongly believe this aggravation by Amex, AMEx employee 's lying, and Amex employees intentionally entering false information may be because of financial inducement and/or other criminal activities done and/or threatened to amex employees by criminals who are targeting me, my home and all my other properties I own. <end of complaint # 1> ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... <start of complaint # 2> complaint # 2 : I requested via a letter Dated XXXX XXXX to amex to re-open the account but under the condition that the account have a close date of the XXXX per each billing cycle!!! I finally got a letter today ( XX/XX/2022 ) dated XX/XX/2022 to call XXXX customer service to " assist you ( jye ) further '' with request for " account Reinstatement ''! when I called the phone # though after giving out information that I think they should have already the agent stated the account could not be re-instated afterall!!!! Why did the Amex send such a letter if that was the case and just state that I would need to apply for a new account! <end of complaint # 2>

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed out of {$1300.00} from using the XXXX payment method though my Bank of America account. 

This was the first case number provided : Case ID # XXXX No resolution. 

Second claim attempt : Case ID # XXXX No resolution. 

No funds were issued nor retrieved. 

I contacted Bank of America as soon as the scam happened but no help from my own institution.

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 2022-08-19 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:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX XXXX accounts are being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.

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