vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I authorized a specific amount on my credit card via an authorization form and the Credit Card company allowed and approved an additional amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: GA

Complaint narrative:
I received a phone call from XXXX management informing me that they were a collections agency and I owed a loan from easy money in XXXX. I told them I never did a loan and the lady dismissed what I said and did not listen to what I was saying. They had all my information and an email I made in XXXX I never used when in another state. She then hung up on me because I kept telling her that I didn't get a loan. She said I must have forgotten. When asked for the signed documents she would not give them to me. I called easy money and they didn't have a complete profile of me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
Experian is the only company that is continuing to report this inaccurate information as both transunion and XXXX has removed it. XXXX off/canceled debt is considered as income by the IRS and therefore can not be reported on a consumer report. Additionally the company furnishing that information agreed to not share my nonpublic information with XXXX XXXX non affiliates like Experian and yet they have done so. Experian keeps claiming that it's " verified '' however it goes against federal law and it violates my right to privacy as I had also requested to be opted out of reporting that account. Now I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
This account was created fraudulent l dont live in XXXX XXXX Texas l been living in XXXX XXXX XXXX XXXX my life and my residence is at XXXX XXXX XXXX, XXXX XXXX l been living here for XXXX  years and whomever got my information also have an apartment in my name as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full as agreed. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention 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 2023-11-15 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: GA

Complaint narrative:
Wrong employment information and addresses due identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TX

Complaint narrative:
I sent a letter 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 any information not later than 4 business days. 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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: NY

Complaint narrative:
Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
In XX/XX/2023 a checking and a savings account were opened in my name at Citizens Bank. The accounts end in XXXX and XXXX. Both accounts have been closed at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed this account multiple times attached is the move out documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed this account multiple times attached is the move out documents from the 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 2023-11-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC
State: OH

Complaint narrative:
Today, XX/XX/, I received an e-mail from a former employer with an attachment of a wage garnishment form stating " It appears I am supposed to forward a copy of this to you. I have attached a copy of the completed form accordingly. '' First off, I was embarrassed as a wage garnishment form was sent to my old employer. Second, I had no idea why someone was garnishing my wages so I researched the information provided on the attachment. I found a huge amount of information regarding a whole lawsuit had been filed against me by a plaintiff I had never heard of and a default judgement was awarded. 

Not only was all communication being sent to an address I had lived at more than XXXX years prior, the lawsuit was filed in a jurisdiction I no longer lived. I've never received any communication from this plaintiff regarding an amount owed, and now I have a default judgement entered against me. 

Not only is this public record now, this will also affect my credit. I didn't even have the opportunity to request validation of this amount as I have no information on it. If my former employer hadn't reached out and provided the wage garnishment affidavit I would have not known about any of this. I feel embarrassed and feel like I had the right to defend myself properly taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit 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: IL

Complaint narrative:
On XX/XX/2023 we filed a claim with Citi Bank for fraud on XXXX airline ticket upgrades of {$1900.00} ( total XXXX ) with XXXX XXXX. I filed these claims because XXXX did NOT upgrade our fligths... the plane was broken. 

After nearly XXXX weeks of trying to resolve the issue with the original merchant, on XX/XX/XXXX, we filed a claim, within the 60 days that regulation E allows. I have proof that we filed the requested information. 

During the dispute process with Citi Bank, several Citi issues were encountered... first being they closed the duplicate disputes as a mistake. Second, we provided documents in XXXX and XXXX at neither when asked for documentation did they indicate the time was lapsed and we could no longer dispute. 

My husband, XXXX XXXX was added as an authorize signer in order to assist with obtaining a resolution. After XXXX calls, emails and XXXX CFPB complaints of his own that Citi XXXX he was not authorized on. This is false and yet another issue that Citi caused. 

I want my Dispute resolved with a FULL refund. Citi and XXXX have fraudulently bait and switched then caused their own delays to prevent refunds. This is illegal collusion that Citi and XXXX fraudulent operate to prey on consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
Upon viewing my credit report I noticed a debt collection reporting on my credit profile. On XXXX  I, mailed a letter requesting validation pursuant to the F.D.C.P.A. Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: HI

Complaint narrative:
I discovered someone opened a fraudulent account in my name with Chime Bank, and tried to redirect my paychecks to this unauthorized account. 

This is the XXXX Time I've been made aware that someone opened an unauthorized account using my information with Chime. I have asked Chime to close the account, provide me with all the information that was used to open this account, and transaction histories on both accounts, which they have yet to provide. 

After the first account was closed Chike advised me that no one would be able to open an account with my info, but it has happened again. 

THESE " 2ND CHANCE '' banks do not use XXXX and there is no way for anyone to know if fraudulent accounts are being opened. These banks can not be allowed to continue if they are rampantly used to commit fraud. 

The checking account # s in question are : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: TN

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the Capital One account with the number XXXX on my credit report. 

Violations : Failure to conduct a reasonable investigation ( FCRA Section 1681i ).

Reporting inaccurate information ( FCRA Section 1681e ). 
Inaccuracies : Reporting Past Due on a closed Account Balance is incorrect account was charged off for full amount Consumer owes {$0.00} The date open is incorrect Payment History incorrectly reporting Balance updated date incorrect I have previously notified XXXX of these inaccuracies, but despite this, no corrective action has been taken. I believe that their non-compliance with the FCRA has caused significant harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have unauthorized inquiries on my credit report that I did not give permission for my credit to get ran and I would like them to be deleted immediately. I have unauthorized inquiries with Transunion and I did call them to tell them that I did not authorized or give permission with my credit being ran.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
They day I got a new card from citibank I paid my debt of {$64.00} but they never took the money from me. Today XXXX XX/XX/2023 I got a letter saying I owe {$93.00} for past due. This is a government card and my military unit did not help me they dragged there feet and now citibank screwed up taking my late fees and now adding more this is not the first time and I feel I'm paying for others mistakes. They should pay me back every cent I paid out of my pocket.

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 monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I was notified via a phone interview with XXXX 's XXXX that, even though I was offered a position, my background check came back as " disrupted ''. XXXX 's XXXX screens candidates through the company " XXXX ''. 

I contacted XXXX as soon as I reviewed the background check and noticed inaccurate information regarding my criminal history. Under " XXXX XXXX '' ( source? ) the following information is incorrect. 

XXXX Level XXXX. XXXX XXXX XXXX. Charges a. Type b. XXXX I spoke with a representative of " XXXX '' to initiate the dispute process. I was given the dispute department 's phone number and a case number ( # XXXX ). The department was closed. I also notified XXXXXXXX XXXX XXXX of the former 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