vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX SSN XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/XXXX Approved for Citibank XXXX XXXX. Approved for {$9400.00}. 

XX/XX/XXXX Called Citibank said I never received a card. They said they would issue a replacement. 

XX/XX/XXXX Called Citibank and said I never received the replacement card. XXXX said a second replacement card would be sent. It was never received. 

XX/XX/XXXX Called Citibank and said I never received the second replacement card that was supposedly sent. At that time the agent said my address was incorrect in their system and a third replacement card would be sent. Talked to supervisor " XXXX '' who verified the information provided by the agent. 

XX/XX/XXXX Called Citibank and said I never received the third replacement card that was supposedly sent. XXXX was of no help. Transferred to supervisor " XXXX '' who told me the third replacement card was never sent as promised by " XXXX ''. He verified that the third replacement card that I was promised on XX/XX/XXXX had never, in fact, been mailed. He said the only thing that had occurred in their system on XXXX XXXX was an address change. WHAT???? He indicated he is now sending a third replacement card and offering a statement credit of {$100.00}. I asked to have the card expedited and he said they can't expedite new account cards. While I wait to see if they actually mail a third replacement card, I have to worry about someone using my credit and Citibank has been of no help. In fact, they suggested more than 3 times that I have nothing to worry about. He suggested I use the app to follow along but I can't do that because I have no idea what my credit card number is and can not track it. 
Honestly, ridiculous.

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 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am getting calls from different numbers from a debt collections agency, Midland Credit Management. So far the numbers are XXXX on XX/XX/ and XXXX on XXXX. I don't answer because I don't recognize the number and they do not identify themselves on CID. They never leave a message. I did an online search and found their name. This has happened to me before. There are anywhere from XXXX to XXXX people with my name in my area code at any XXXX time. They surely got phone, address and other information from their source, but it appears they just keep harassing anybody with similar names until they track down the party they are searching for. Today the phone rang while in the middle of a church service. Thank goodness I had it on mute but I have XXXX XXXX with blue tooth capability and so I could hear the ringing even if those around me couldn't. I've been getting scam calls ( too numerous to count ) from people telling me I am pre-approved for a hardship loan anywhere from {$30000.00} to {$50000.00}. I'm wondering if these are somehow related, the scammers hoping if a debt collector starts harassing me, I'll panic and ask for a sham loan. I have no debt in arrears and have a XXXX score over XXXX. Please help me get them off my back. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting to Transunion that I have a {$4400.00} debt with them and that it is " Charged off as bad debt ''. This amount is incorrect ( it is much lower ) and I have been paying them in monthly installments. Account number listed is XXXX. This account must be removed from my Transunion credit report as XXXX XXXX is reporting the incorrect amount due and the account is not " charged off ''. I have been making monthly payments to pay it in full. I ask that XXXX XXXX stop spreading this false information and damaging my credit reputation with Transunion. Why am I even paying them if they can't keep accurate records? XXXX XXXX is harming me as a consumer and I ask that their false account record be removed from my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Improper use of credit report, identity theft. Please delete following accounts.
XXXX XXXX XXXX 
Acct #XXXX XXXX XXXX
XXXX XXXX 
Acct # 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Improper use of credit report, identity theft. Please delete following accounts.
XXXX XXXX XXXX 
Acct #XXXX XXXX XXXX
XXXX XXXX 
Acct # 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of Identity Theft. I need immediate attention. It hindrance my finances and affect my credit file. Remove the following accounts ASAP from my Credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of Identity Theft. I need immediate attention. It hindrance my finances and affect my credit file. Remove the following accounts ASAP from my Credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit card company provided my personal information to a non affiliate company without my consent. In violation of 15 usc 6802 and also under consumer act of 1974

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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. 

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 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX I was sent an email from Paypal that my account was logged into a device named Desktop XXXX XXXX I do not recognize this device and was not the person that logged into the device. XXXX minutes later at XXXX XXXX I was sent another email that a transaction of XXXX XXXX XXXX XXXX XXXX ) was sent from my Paypal Account XXXX It was sent to an account with a name that I did not recognize. This was not a transaction that I performed. XXXX minute later at XXXX XXXX  Paypal XXXX another email about unusual activity to my account. I have not used my Paypal account in years and did not see these emails in my inbox till Tuesday, XX/XX/XXXX. I made a dispute for the transaction with Paypal that day at XXXX XXXX. On Tuesday XX/XX/XXXX at XXXX, I was notified that the case had been closed and they had determined " there was no unauthorized use. '' I find this difficult to accept because Paypal itself notified me of the unusual activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Student Loan Solutions, LLC
State: GA

Complaint narrative:
The private student loan that I am being garnished for belonged to my brother. My brother filed XXXX  XXXX bankruptcy which included this debt. It was discharged in XX/XX/2013. Although Student Loan Solutions was notified of this, they began to garnish my wages at a rate of 25 % when they were unable to collect from my brother. Because I am an educator and single parent who also takes care of our elderly mother and can not afford to lose that much income, my brother attempted to resolve this matter with Student Loan Solution who purchased this old discharged debt. They were able to collect several thousand dollars from my brother and when he no longer had the funds they came back to garnish me again. Student Loan Solutions refuses to stop debt collection and it seems as if the courts are allowing them to continue without just cause. Bankruptcy paperwork was filed with the court but this company is relentless in collecting debt that does not belong to them as they " purchased '' it long after the bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting 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:
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/2024 Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

Sincerely, 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The account was sent to a lawyer that represented the company, XXXX is called XXXX XXXX XXXX out of Louisiana. I received a letter stating that if I paid the {$5000.00} that the debt would be considered settled. I needed to make the payment by XX/XX/2023. I made the payment and received a letter from lawyer stating the debt has been settled. I go to my credit report and it shows the remaining balance, so the XXXX was just subtracted from the owed amount and still not show the status that was agreed upon. I was told the amount would show XXXX owed and settled for less than owed. I contacted lawyer and they said I needed to talk with creditor. I call the creditor and they said to send another letter in and they will investigate it. They are stalling and I want the credit report to represent was agreed upon since I did my part on the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, hereby file a formal complaint in good standing faith with the Consumer Financial Protection Bureau regarding the grave incidences of identity theft, forgery, and fraud perpetrated by former employees of my company, XXXX XXXX XXXX and XXXX XXXX XXXX. Their actions, involving the illicit use of my personal information, have resulted in significant financial losses and emotional distress for me. The betrayal of trust by these individuals, who were entrusted with confidential company data, has had detrimental effects on my personal and professional life. 

**Incident Description : ** Numerous attempts have been made to address this identity theft, forgery, and fraud case, but the response from the banking institution has been lacking in fairness and resolution. Upon discovering unauthorized activities on my consumer file disclosure reporting accounts, investigations revealed that XXXX XXXX XXXX and XXXX XXXX XXXX unlawfully accessed my personal information to open fraudulent accounts, including : 1. **Navy Federal Credit Union** - Account Opened : XX/XX/2014 - Account Closed : Upon my request of calling in to shutdown the fraudulent account with undisclosed funds- Total Amount : Unknown - Navy Federal Credit Union XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Contact Number : ( XXXX ) XXXX The consequences of their malicious actions extend beyond mere financial losses ; they have inflicted profound disruption on both my personal and professional life. The breach of trust by XXXX XXXX XXXX and XXXX XXXX XXXX has shattered my confidence in financial institutions and compromised my fundamental sense of security. 

**Recent Developments : ** While XXXX XXXX XXXX was apprehended by the XXXX XXXX XXXX XXXX XXXXXXXX, resulting in the recovery of some information, XXXX  XXXX XXXX was apprehended last XXXX, and no pertinent information was retrieved. 

**Request for Action : ** I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take decisive action against the individuals responsible for perpetrating this egregious identity theft, forgery, and fraud. Additionally, I seek your assistance in rectifying the fraudulent accounts established in my name and implementing stringent measures to prevent the recurrence of such malicious acts. 

Your prompt attention to this matter is sincerely appreciated. I anticipate a swift resolution to restore my financial security and peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.

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