vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-02-17 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I stayed at XXXX XXXX XXXX, which are pre pay weekly, monthly and extended stay place here in XXXX XXXX nevada back in XXXX for lets say maybe 1-2 months. I did not renew the new lease i movee my belongings and turned in the keys and left it was short term wgike apparrment hunting. 
Fast forward to XXXX XXXX XXXX, roughly 2-3 weeks ago i get a random call out of the blue from some Sentry Recovery and Collections claiming and i quote that i owe a debt of {$950.00} to them on behalf of XXXX XXXX. I ask how and for what. They refused to state what ot is for, refused to give me any requestd proof and documentation i demanded, they told me to contact XXXXXXXX XXXX which i did who then said its in collections already amd that they cant provide me with any proof or documentation and to contact the collections agence which now ive been contacting corporate and collections. Both refuse to provide me with and documentation of an alleged debt tgat would have been over 1 1/2-2 years ago and now they all of a sudden in XXXX claim i owed them yet can not nor will not say for what. I did not damage any property i moved out and checked out and returned the keys to the office. The collections agency also stated " I eas tresspassed and escorted off the property by metro '' to which i respinded that is definately not me as i have never been tresspassed from anywhere ever in my life and if XXXX escorted me iff the property surely tgere woyod be record of what ever incident they claim took place for me to be escorted XXXX the property, to which u demanded proof and documetation of that, which they agaun refuse to provide and one XXXX  me to the other then the other semds me back to one, and i still have yet to see hear read sniff anything regarding this false debt. I then last week get a credit alert thrpugj my XXXX  and XXXX XXXX XXXX and my XXXX  credit scote dropped XXXX points, and my XXXX score dropped XXXX points due to they reporting this XXXX credit bureaus. My scores were XXXX, and XXXX, now within 2 weeks of them randomly calling my phone out of the blue to which i also demanded how they got my personal information and social security without my consent permission, my knowledge, in violation of my XXXX and XXXX amendment protections in violation of due process.they hung up on XXXX XXXX 1-2 to weeks later i get the credit alert. I have never heard of these people. I dont owe anything to anyone. And they fraudulently and criminally submitted this to tue credit bureaus and that has caused IMMENSE HARM AND DAMAGE TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : XXXX has violated my rights. 

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 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 2023-02-17 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX account : XXXX, and XXXX account : XXXX has violated my rights. 

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 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are several bankruptcy on my credit however This is impossible I filed a XXXX XXXXXXXX and something got miss they made me correct and refile and after all of that it was the wrong jurisdiction so they dismissed it and made me file in a total different State City and County I got a full discharge XX/XX/2018 I did give the courts or any bureau to publish my bankruptcy as many times as they did due to lack of knowledge from court. It is clear you can only have one or the other and you get one every 8 years. The one in Ohio is accurate the rest are not. please correct my file immediately. lthough I continued to get wrong information I did not even qaulify for a XXXX XXXX I did not meet the guidelines which was not very clear due to they had just change the law a few year prior to. 
This is what FRA says In accordance with the Fair Credit Reporting act has violated my rights. 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 All is not reporting all my information correctly I know my cards report to all the credit agencies and you have missing information please update my file with the current address as well as the missing reports from my creditors and all those inquires need to be removed I did not allow my credit to be ran XXXX times or so and there is missing information on a couple of accts I do not know whom they are but need to be deleted I have been disputing these and you continue to leave them on my credit profile with no contact info or whom the original creditor was and I was not notified I don't who this is I have a common name and this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have reached out to Captial One XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I had credit cards with them which was included in a Bankruptcy XXXX XXXX and discharged XX/XX/XXXX. The way they have the accounts set up in their system is preventing me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am the co-signor on this auto loan that was purchased in XXXX. In XXXX, a payment was made on XX/XX/XXXX for {$850.00}, on XX/XX/XXXX for {$650.00} and I promise to pay on XX/XX/XXXX which will be XX/XX/XXXX payment. I have received phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX, Called my co-worker XX/XX/XXXX and XX/XX/XXXX ; called my neighbor XX/XX/XXXX ( 3 times ), I have asked the collection agency in XX/XX/XXXX to stop harassing me with the phone calls. I have asked the collection agency in XX/XX/XXXX to stop harassing me and my neighbor and my co-worker with the phone calls, and they stated that they would put in their notes to stop calling me and my neighbor and my co-worker, but they have Not Stopped the calls as of today XX/XX/XXXX. I am at work, and they continue to harass me about a payment while I am trying to do my job at work. I continue to tell them that this needs to Stop.

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 2023-02-17 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: GA

Complaint narrative:
I, XXXX XXXX am demanding equifax to block and delete the identified information on my consumer report, i have expressed numerouse times to equifax that they are in violation of my rights to privacy and the inquiries are a result of identity theft ( PLEASE SEE ALL ATTACHMENTS ) XXXXDRIVER LICENSE XXXXIDENTITY THEFT REPORT XXXXREQUEST LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a txt message from XXXX XXXX saying my account had a {$17.00} charge from XXXX and I needed to call a number. I called the number and the automated voice told me to put in my social security number, which I did and then hung up. I realized I didnt even have a XXXX XXXX account. I recently lost my debit card from my bank, XXXX XXXX so I was concerned I really had a fraud charge. I am worried for my credit because I gave my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TX

Complaint narrative:
Sent this to Citi... they believed the vendor and NOT the consumer... this site/merchant needs to be shut down. Citi denied my claim without even a call. The merchant is playing them with 100s of pages of fraudulent and misleading documents. They will not accept my return and told me they would just throw it away and deny they got it. XXXX dealer told me I was being forced to buy a fake product by a fake vendor. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Citi Visa XXXX : Billing Inquiries Re : Notice of disputed charge to Account No XXXX XXXX XXXX Anywhere Visa Card by Citi-XXXX Coa Card by Citi-XXXX  Dispute Number XXXX XXXX Merchant : XXXX ( Fraud Site ) Dear [ Fraud and Billing Inquiries Division ] : I am writing to dispute a charge of {$170.00} to my credit account on XX/XX/2022. The charge is in error because the site is either fraudulent or sells damaged goods with no real XXXX  ( return process ). Local XXXX XXXX said they had never heard of their return process and they mentioned the part might be used or not from XXXX The part does not fit my car and or is damaged. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have already reported the site to the FTC and the Texas Attorney General. While I still have the part, the representative told me to wait for the XXXXif  I get one before returning the part. He said if I returned the part with no XXXX, they would just throw it away. 

Again, the XXXX  requires me to take it to a XXXX XXXX to validate the part and or warranty. The local XXXX dealer told me they had never heard of such a process or this online site. The vendor will not accept the return without an XXXX, they said they would just throw it away and pretend they never got it. This is clearly a scam from this vendor and they should be shut down for selling fraudulent copycat parts. 
They are clearly taking advantage of the credit card claim process by saying the consumer still has the part. Again, the XXXX dealer said I was being sold a fraudulent part and there is no such thing as them verifying the part. 
The part has since become toxic as it is venting plastic chemicals ( smells ) and has started to disintegrate. If Citi and XXXX will not protect mewho will. 
Attached is a copy of the order and their XXXX  process. The second option is non-sensical since it still requires XXXX to validate/inspect the part. 

XXXX XXXX Vis a Card by Citi-XXXXVisa Card by Citi-XXXX Sincerely 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 2023-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
on XXXX XXXX the scammers first contacted me through XXXX from my best friend XXXX XXXX profile. After the scammers begin the texting through XXXX and that profile shows my friend XXXX XXXX information. 

This person XXXX XXXX with a telephone number XXXX, stole my best friend 's information and used her identity to commit fraud, and took {$380.00} from me. The XXXX account is enrolled as XXXX. The transfer was done through Citizens Bank mobile banking App. I opened a fraud claim # XXXX with the bank, but the bank, is ignoring my claim and done nothing. 

I was deceived because the scammers impersonated my friend through via text message, XXXX, and it was her profile and name that was being used- I thought that they were XXXX XXXX XXXX 
As result of this I lost {$380.00} and Citizens Bank is not helping me with the case I already opened. I contacted the bank several times requesting the refund from this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Not sure of date it was over 10 years ago.The manager of the bank told us that they took our mortgage payment and put it in someone elses account then found it and put it in someone elses account. And could not find it.So we had to pay an additional payment which created a snowball affect for us which caused us to eventually have to refinance our home.

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 2023-02-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a mobile check on XX/XX/2023 and my bank stated they would be available on XX/XX/2023. The bank is now trying to hold my funds for an additional XXXX business days and placed a hold on my account not allow me access to my money. The check was given to me by my older brother in relation to my fathers life insurance policy when he passed away a month ago and the check was my inheritance from his passing.

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 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have reached out and contacted the collector on several occasions letting them know that I was a victim of identity theft and that this was not my dad Ive showed them proof of the identity theft and Other accounts apartments and phones that have been opened up in my name they agreed to settle this and delete the day yet they have put it on my credit and it shows in the negative light I would like it removed immediately this XXXX dollar is not my day to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have submitted theses damages to the credit bureaus i am in the process of purchasing a home and i submitted the information to the credit because and they have not provided the proper results and removing the fraudulent and negative information that does not belong to me and according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and correct and update information and if this is not the case then all negative and incorrect information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TX

Complaint narrative:
i have submitted theses damages to the credit bureaus i am in the process of purchasing a home and i submitted the information to the credit because and they have not provided the proper results and removing the fraudulent and negative information that does not belong to me and according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and correct and update information and if this is not the case then all negative and incorrect information must be removed

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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I sent a debt validation letter to company on XXXX XXXX and I received a letter on XX/XX/2022 with a list of charges on XX/XX/2022 I sent a second failure to validate letter and I have yet to receive a response or yet to have this company validate that this debt belongs to me. Please delete this information from my credit file and cease all collection activities immediately

Company response to consumer: Closed with explanation