vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-17 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: NY

Complaint narrative:
In Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

Account : XXXX XXXX XXXXXXXX Open/closed Closed Date opened XXXXXXXX XXXX XXXX  Account type Credit Card BY XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) XXXX 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 war sever 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 explanation
Consumer complaint received 2022-12-17 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: LA

Complaint narrative:
XX/XX/ while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.

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 2022-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have insurance with XXXX and i decided to end my policy due because was to high i notify XXXX  and let them know i do not want to continue with my insurance so i was suggest to wait until the next month to paid for that and then terminate my policy but after do that next month was charge it again and i call to inform that i contact before with XXXX  regarding my intention but they continue saying i should paid for the next month anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC successfully manage to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Jefferson Capital Systems LLC was granted a default judgment against me. 

I have never had any type of account with Jefferson Capital Systems LLC. My name is very common in the XXXX Texas XXXX. Additional, the veracity of the claim hasnt been fully explored beyond a shadow of a doubt ( by me ) that includes examining the subject accounts owner, receiving a full accounting of all charges, full account payment history, reviewing the account contract, plaintiffs evidence of subject account ownership, evidence of plaintiffs attempts to make aware of impending lawsuit prior to filling, determining if plaintiff attorneys is working within Texas or is from out of state, reviewing the statute of limitations for the action- among other considerations. 

As such, is Jefferson Capital Systems LLC has disregarding federal laws designed to protect consumers at large. 

I urge the federal government start a full-scale audit/investigation on Jefferson Capital Systems LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter XX/XX/XXXX the 2022 to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I tried to transfer money from my Citi savings to my external account at XXXX on XX/XX/XXXX. The XXXX account has been on file for years and was the account I originally funded the citi account with. 

I had massive problems logging into Citi 's platform when trying to do this. Couldn't log in on my phone, XXXX, desktop, or laptop. Had to reset password a few times and get security codes. I'm assuming this looked like fraud, but it was me just trying to access my funds. Citi put a hold on my account and I called them. They gave me a total runaround on the phone, saying " someone will look into this and call you back ''. Nobody called me back. I tried to log in today XX/XX/XXXX and now I'm locked out and someone on the phone said my account has been closed and I'll get my money in XXXX days! Unacceptable. That's my money. Nobody will tell me anything. If they want to close the relationship, that's fine. But you don't get to keep the money for XXXX days. Also, nobody would tell me what the status of my credit card account with Citi was. It's just super shady. 

Please help me understand what is going on and help me get MY 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 2022-12-17 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: Rent Recovery Solutions
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Rent Recovery Soluti has violated my rights.

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The credit card company has failed to assist me in a dispute regarding an unauthorized charge to my account and in doing so has continued collection efforts, reported missed payments to the credit bureau ( s ) and allowed my account balance to increase with the erroneous charges. Subsequently, my account has been closed. I have disputed the information with the credit bureau ( s ), and the credit card company updated and verified the fraudulent charges in dispute.

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 2022-12-17 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: MO

Complaint narrative:
I do not have any XXXX XXXX credit. The card I carry is the business 's card. I am only an employee there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I currently have over 40 Hard Inquiries on my credit report and I have not given consent for my credit to be ran that many times within a 2 month span of time. Some companies ran the credit information double and triple times.

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 2022-12-17 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: CO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-12-17 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: WI

Complaint narrative:
I was restricted via software from providing additional information regarding the dispute of XXXX relating to being placed into collections unlawfully without notice written, telephone, or otherwise, to collect a debt. Experian declined to request more information and is still including this in my credit report, when it is no longer present in 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 2022-12-17 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: CO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 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 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 non-monetary relief
Consumer complaint received 2022-12-17 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: CO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; 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 2022-12-17 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: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
According to a credit card statement supplied by a collection agency, my credit card company charged-off {$30.00} on or about XX/XX/2020. Prior to this statement, I disputed the charge which was apparently assessed following a payoff quote received by the credit card company by phone and a full payment made by me to bring my account to a zero balance. Subsequently, the credit card company not only applied numerous late fees but continued to charge interest on the disputed amount before selling the account to a collection agency. The collection agency has now reported the amount to the bureaus, damaging my credit report and is attempting to collect the gross amount of nearly ten times the originally disputed balance.

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 2022-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Saturday, XX/XX/2022 money was stolen out of my BofA account through XXXX. Two withdrawals totaling {$700.00} was stolen. 
The bank was contacted immediately and they had my son XXXX, to call on the following Monday to dispute the charges. He was given a claim # to initiate an investigation. Everything was explained but after not hearing from the bank after 2 weeks, we went to the bank and were told that the claim was denied. BofA denied the claim due to stating the withdrawal came from XXXX 's phone, an XXXX XXXX and he didn't and doesn't own an XXXX  XXXX. He went to XXXX to submit proof that it wasn't from his phone so we submitted another claim with the proof. The 2nd claim was denied because supposedly another issue was a code was sent to the XXXX XXXX. Because XXXX owned an XXXX XXXX we concluded his phone was hacked. 
BofA is denying a refund of the monies and are denying his 2nd claim. 
Included is the proof for his XXXX XXXX which was under his aunts ( XXXX XXXX 's ) name - he is on her acct ) The bank cancelled his old account # which was for the complaint, and he now had a new account # 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 2022-12-17 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: RMA Credit Association
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.

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 2022-12-17 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: ProCollect, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.

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