vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2024-09-26 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good morning, I lost my checking and savings account card on XXXX, but I didn't realize it until the next day. Over the course of that night, they made transactions totaling XXXX XXXX XXXX XXXX  dollars ( {$6000.00} ). The transactions were made in different forms, some online, but what worried me most was that they made two withdrawal transactions through an ATM, worth XXXX XXXX dollars each, for a total of XXXX XXXX dollars. As usual, I made a request to the bank. They initially informed me that my card and identity had indeed been stolen and that I should be calm. 
that the money was going to be replaced in my account and initially they put XXXX XXXX XXXX XXXX. {$1700.00} while they did the investigation, as is normal in all banks. 
On XX/XX/XXXX they sent me an email informing me that after conducting an investigation the result for claim No. XXXX was denied and they would eliminate the temporary credit for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
According to my recent consumer report the collection account XXXX was wrongly placed on my consumer report on XXXX. This action by CREDIT COLLECTION SERV, violates my rights under multiple consumer protection laws. Firstly, CREDIT COLLECTION SERV has not provided the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, CREDIT COLLECTION SERV placed a collection on my consumer report, which is both unfair and unlawful. Secondly, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission denies me the right to challenge the validity of the debt, further violating my consumer rights. Additionally, CREDIT COLLECTION SERV is using false, misleading, and deceptive means to collect this debt. This blatant disregard for ethical collections practices must cease immediately. It has come to my attention that CREDIT COLLECTION SERV has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their current actions are a clear violation of : - 12 CFR 1006.34 ( d ) - 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a complaint with the CFPB on or around XXXX XXXX XXXX, regarding an ongoing issue with Citibank. Citibank claimed to have mailed two checks from my accounts : one from my checking account ending in XXXX  for {$310.00} on XXXX XXXX XXXX  and another from my savings account ending in XXXX  for {$170.00} on XXXX XXXX XXXX

I received the check for {$170.00}, but I have not received the check for {$310.00}. After contacting Citibank, I was informed again through a letter that the check was mailed to the correct address on file, but it never arrived. This issue has been unresolved for over XXXX months, and despite my attempts to resolve it, I still do not have my funds. Citibanks response did not address the lost check, nor did they provide any confirmation that the funds are being held securely while the matter is being investigated. 

Furthermore, Citibank has likely collected interest on the {$310.00} that I have not been able to access during this period, and I believe I am entitled to compensation for this lost interest.

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 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon closely analyzing my latest credit report, I found several accounts that I believe are incorrect and were included without my knowledge.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a complaint cfpb complaint number XXXX regarding Bank of America to which my complaint was marked a duplicate enclosed or XXXXXXXX XXXX This complaint is not a duplicate complaint. This company incorrect information is still being reported. Furthermore I did not get any response through the mail even though the company said they have sent it its been over a week. Therefore this company is being non compliant and i demand my grievance be file Accordingly.

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 2024-09-26 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:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX  XXXX, specifically debt XXXXwhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from 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 2024-09-26 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: MI

Complaint narrative:
XXXX XXXX  and XXXX all working together lying that fake doctor XXXX XXXX with fake SSN number did purchase my property legally on XX/XX/XXXX at an bank foreclosure sale from XXXX XXXX XXXX  for XXXX. XXXX have confirmed with me that my first satisfactory mortgage paid in full were in XXXX. XXXX Attorney XXXX XXXX were fully aware on XX/XX/XXXX inquiry as XXXX. Then XXXX XXXX lied that he had a lender the does not exist on a letter dated XX/XX/XXXX from XXXX XXXX XXXX under record ID # XXXX he mentions he lender as XXXX XXXX XXXX a fake name. He goes on to cash XXXX XXXX  escrow account checks in my name and reported it as XXXX with XXXX XXXX XXXX XXXX. Also, XXXX XXXX no XXXX as XXXX XXXX XXXX XXXX  Resolve XX/XX/XXXX also with XXXX XXXX XXXXXXXX XX/XX/XXXX. Fake SSN numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
unauthorized inquires on my credit profile! XXXX XXXX  and XXXX  have false inquires on my credit profile! i did authorize none of this as my ssn been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, TRANSUNION, XXXX have violated my rights along with XXXX XXXX allowing a late payment reporting to my report. 

Creditor : XXXXXXXX XXXX  Dates : XX/XX/XXXX & XX/XX/XXXX Account # 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 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. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I applied for an extension of my right to credit in good faith with the XXXX XXXX through XXXX XXXX XXXX ( online submission ). 
On XX/XX/year> I, embarrassingly and discouragingly, was denied my right to credit. 
On XX/XX/year> XXXX XXXX emailed me a portion of its response in response reference number : XXXX. This response did not provide me Equal Credit Opportunity Act disclosures nor a copy of the report from TransUnion in which XXXX XXXX allegedly consulted with to deny me my right to credit. 
On XX/XX/year> at XXXX I called XXXX XXXX  at ( XXXX ) XXXX and confirmed my personal identifiable information with agent by a fictitious name of XXXX XXXX He then transferred me to XXXX. XXXX also confirmed the last XXXX of my Social Security Number. I requested the end user report from TransUnion in which XXXX XXXX  denied my right to credit with, to which XXXX said they don't have it and for me to call TransUnion. I reiterated to XXXX, So you don't have the report used to deny me? She again said no and restated to call TransUnion.

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 2024-09-26 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : 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 2024-09-26 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX FIN Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : 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 2024-09-26 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX  I got several messages and text saying form XXXX XXXX, XXXX XXXX and Experian saying I have new inquiry from XXXX  XXXX XXXX had check my Experian Credit File, and my credit score got drop XXXX points, I did not open any account or credit card recently, therefor, I made several calls to XXXX XXXX XXXXXXXX to check, they response there is no any new account open I order hard copy of my Credit Report it did say XXXX  XXXX XXXX had run my credit report on XXXX XXXX XXXX  also I Can see my report under new open account has {$6000.00} credit limit, but unfortunately there are no any account number show on the 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