vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights under 15 U.S.C. 1681-2 ( 2 ) ( 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. 
On Wednesday XX/XX/XXXX, the case was brought before XXXX XXXX XXXX regarding RI XXXX XXXX Acct XXXX XXXX that was being disputed due to incorrect amounts, balance transfers that were time-barred and other issues. 
Per the enclosed court transcripts, between Myself, The Judge, XXXX XXXX XXXX XXXX XXXX and Special Assistant Attorney from Attorney General 's Office. XXXX  XXXX XXXX stated they have put a hold on any collection activities, including trying to collect money from me, shutting off services or reporting the account to the credit bureaus. I have repeatedly asked that the incorrect {$10000.00} amount be pulled from my credit reports. None of the credit bureaus have removed it, nor have they stopped falsely reporting it. 
Today, XX/XX/XXXX, XXXX am, I spoke with a customer service representative from the XXXX XXXX XXXX XXXX XXXX, regarding Acct # XXXX whose listed as reporting the false information, per my credit report. She told me that XX/XX/XXXX XXXX  XXXX Cancelled the Contract from their office, yet they have not stopped reporting it as a collection debt due, though they were legally advise to stop!!! 
I demand that this falsely reported account be immediately removed from all Credit Bureaus ; XXXX, Experian, XXXX and any others that might be falsely reporting this inaccurate information. XXXX, XXXX, XXXX and 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 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX  XX/XX/XXXX I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law. 
Management support dated XX/XX/XXXX amount XXXX false information on credit report showing past due amount which is inaccurate, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I PRESUME that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2024-01-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I attempted to satisfy and close my checking account with Vystar Credit Union by initiating an ACH transfer of funds in the amount of {$55.00} directly from my checking account with XXXX XXXX. Unbeknownst to me until today, XX/XX/2024, the transfer was rejected. The account was then closed by Vystar and an amount due of {$88.00} was reported to XXXX, which negatively affected my consumer ( XXXX ) report score by XXXX points. This has caused significant problems with my ability to conduct both personal and commercial funding business.

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 2024-01-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXXXXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
Please see attached documents. Do not close this compsfalaint stating it is not me. I am a natural person and a consfumer.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This is regarding complaint XXXX. The original creditor was contacted and could not furnish information being alleged by the collection agency Caine & Weiner. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/XXXX. Also, I formally requested a copy of the correspondence that was supposedly mailed to me during that time informing me of this debt with your company, the forward flow agreement, the contract bearing my signature, and your license to collect debt in the state of TX. I submitted the aforementioned account in XX/XX/XXXX. It is now XX/XX/XXXX and you have failed to provide any of the requested information to support your claim. Failure to provide this documentation constitutes yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. It is also important to note that my information was involved in XXXX XXXX data breach in which I will provide my claim Id as I did before. Remove this account from my credit report immediately or I will proceed with legal action being that I have given your company ample amount of time to fix this error. CAINE & WEINER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
After being scammed in XXXX ( XX/XX/23 ), I contacted Citibank credit cards immediately, was instructed to wait for the charge to post, and then challenge the transaction then. 

However, Citibank credit cards did not perform any meaningful " investigation, '' although it used that word, and effectively excludes any meaningful chance to appeal its initial " investigation '' : 1 ) Although Citibank credit cards was able to elicit a response from the scammer -- for which I am grateful -- they did not perform an basic " investigation '' worth its name. Specifically, they did not compare the deceptive and fraudulent buying process that I had encountered and documented, with the merchant 's bad-faith and off-topic response ( screenshots of a different buying process, as sent to me in 8 pages of docs in an XX/XX/23 letter, on CITI letterhead ). 

2 ) After this non- '' investigation, '' Citibank did not provide a reasonable way to challenge its initial determination. Although they stated that you could " continue to dispute this charge, '' that continuation of the dispute required you to submit " a credit slip or chargeback approval letter '' ( XX/XX/23 letter ) -- that is, proof that you'd settled the dispute with the merchant! Because of course the scammer would not reverse the charges and I could not provide this one thing, Citibank would not accept any appeal of their initial, deeply-flawed, so-called " investigation, '' and rejected the entire appeal on that grounds alone, never even scrutinizing the fraudulent buying process that led me to request charge reversal ( XX/XX/23 letter ). 

Overall, this is very unethical behavior, and I'm now worried that the negative results of their so-called " investigation '' might close off other avenues of recourse with the scammer and make other avenues of recourse not take me seriously ( e.g. when I appeal for help to my state attorney general 's office )

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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, XXXX did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at TD Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called XXXX to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the XXXX  branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item 2 ) and unauthorized signature or forged item declaration ( A copy as in item 3 ) .I also have reported this incident to both XXXX  ( tracking number XXXX ) and the local police ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Detective XXXX, report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for XXXX to conduct the verification on their end. However, XXXX hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the XXXX claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not. 

On XX/XX/XXXX, XXXX told me they have sent a request to TD Bank to issue a refund about this case. However, they told me it would take up to 90 to 120 days for TD Bank to respond. Unfortunately, I can't wait that long since I am leaving the States in this month. I sincerely asked TD Bank to reply to this request as soon as possible and refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: IL

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this 
to be a stall tactic on your part to grant you an additional 30 days to comply with my original 
request, but I believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a 
complaint with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX Information Solutions, 993 F. Supp. 2d 1154 -
Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act 
(FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting 
of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes 
regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS provide proof of alleged items. I request to be provided with specifically the 
original application, contract, note, or another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and 
DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury 
NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this 
alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or 
the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX., No. XXXX (C.D.Cal. 
XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure 
that bureaus report only 100% accurate credit information. Every step must be taken to assure 
the information reported is completely accurate and correct. The following information 
therefore needs to be reinvestigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief