vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX  XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 15 U.S code 1681n Infamis of pulls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX  XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX NA XXXX Inquiry name : XXXX XXXX Inquiry name : XXXX XXXX Inquiry XXXX : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXXXXXX SC XXXX XXXX name : XXXX XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX Infamis of pulls

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today I opened my XXXX  checking account on the website and for my surprise I did see an unauthorized withdrawal {$350.00} from Bank of America even though they have not contacted me in any way. This is ridiculous and abusive proceeding. I paid the minimum amount ( {$70.00} ) because my credit card account with that bank is on dispute mode and they still havent answered me at all.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My credit was ran without my consent or by someone pretending to be me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX of 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
My credit was ran without my consent or by someone pretending to be me. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX J XXXX XXXX XX/XX/XXXX and XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Failure to abide by the law : Failure under Fcra demands that closed accts be permanent removed that are older than 2 yrsUpdated by CFPB Breach 1681 ( I ) never gave written instructions to whom it relates to report any activities on my consumer report violation of 15USC 1681 ( b ) ( a ) ( 2 ) please removed XXXX cards acct # XXXX and JP Morgan Chase Bank. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Our firm was owed a refund of prepaid taxes in the amount of {$73000.00}. An email account was hacked and as a result, fraudulent instructions were sent to our vendor, XXXX XXXX of XXXX, New Hampshire, to transfer the above funds to an account with PNC Bank , National Association. XXXX authorized their bank, XXXX XXXX, to process an ACH ( Automated Clearing House ) payment to PNC Bank , National Association on XX/XX/2023. Our firm, XXXX XXXX XXXX XXXX XXXX, was unaware of this hacked email account until after a phone call from XXXX indicating that PNC Bank did not have an account with the name of XXXX XXXX. We were informed that the transaction would be reversed and the funds would be returned to XXXX XXXX Bank for the account of XXXX XXXX. This did not happen. XXXX XXXX XXXX, XXXX can provide transcripts of the emails ( real and fraudulent ), along with other supportive data, should this complaint be within the proper government crime division. Our telephone number is ( XXXX ) XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TX

Complaint narrative:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX  XXXX XXXX ) ) 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 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received an email from Experian on XX/XX/XXXX stating my credit score had changed. I logged into my account and found out my score dropped XXXX points on XX/XX/XXXX. I want to know why. Some background : First, as of XX/XX/XXXX, I had no credit score. All my accounts were discharged in XXXX XXXX Bankruptcy. This, in of itself was an error as I recertified my car loan at the time of my bankruptcy. This error was rectified on XX/XX/XXXX and I had a credit score somewhere around XXXX. 

So I called in to Experian today and spoke to no less than 10 different people. The bottom line is they can't tell me why my credit score dropped XXXX points yesterday. I have requested a supervisor callback but no one has called yet. 

I want to know why my credit score dropped XXXX points. Specifically. Not a general reason. The actual reason. 

There are two possible events that could have caused it : First, on XX/XX/XXXX, I applied for credit at a XXXX XXXX XXXX. After applying, I was approved for {$5000.00}. I then found out it was for a lease. I was not told I applied for a lease. I was told it was credit. I said no and found another way to pay. 

IF they think I took out a {$5000.00} lease, I can see why they would have dropped my credit score XXXX points but I did not do this and I would like to dispute it. They do not see it so I can't dispute it. 

Second, XXXX XXXX XXXX controls my mortgage. It was charged off in my bankruptcy. They can no longer report on this mortgage. I believe they did, which would be illegal. I think Experian used this illegally obtained information to change my credit score. I want to dispute it but they do not see it. 

I want the CFPB to MAKE THEM tell me why my score dropped XXXX points on XX/XX/XXXX and I want to dispute the reason. Right now, they are hiding behind the logic that they can't dispute what they do not see. Further, they say their algorithm determines my credit score - not a person. That is fine but if they are going to drop my score XXXX points in one day, they should be forced to disclose why. 

Please help me. I am desperately trying to build my credit score so I can apply for a home equity line of credit next XXXX so I can pay for my son 's college. I can't do that without a major increase in my credit score. This XXXX point drop screws me. 

Please let me know as soon as possible what you can to to help. Thank you.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had XXXX credit cards with Citi. XXXX was a Macys card and the other was a normal Citi card. I used both cards and I made my required payments on time. They were both in good standing. I have been working very hard on rebuilding my credit. 

Out of the blue, in XXXX of last year, Citi cancelled both my cards. They sent me a letter that said I could call them to find out why. When I called, they told me they would send me a letter. Eventually I got a letter saying my cards were cancelled because I have criminal convictions from XXXX. 

I dont understand why my credit cards would be cancelled because of my criminal convictions. Those were XXXX years ago and they had nothing to do with credit cards. Since then I have done so much work to rehabilitate myself. I went through the program at XXXX XXXX. I got job training and got a stable job. Ive worked really hard to rebuild my credit. If Citi is just cancelling credit cards for anyone with criminal convictions, thats not fair, and I think its discriminatory. 

There are rules in my state about when companies can look at your criminal background history. I learned that when a company takes an adverse action against you because of a background report, they have to tell you where they got the information and give you a copy. Citi didnt tell me any of this. 

I sent Citi a letter on XX/XX/XXXX. The letter asked them to send me all of the documents they have about me, including my credit applications, any cardholder agreements that applied to my accounts, and documents about why they closed my accounts including reports about me that they viewed. 

Citi didnt provide me with anything I asked for. Instead they wrote me a letter that said they can close my account for any reason at any time and they dont have to tell me why. 

I think this is unfair and illegal. Im entitled to see whatever background report Citi saw that told them about my criminal convictions. I want to make sure its accurate and dispute if its not. I also dont think Citi should be closing peoples credit cards just because they have criminal convictions. I made mistakes, but those were years ago. Ive been working for XXXX years to get my life back together. Closing my credit cards because of an unrelated mistake I made so far in the past is not right.

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 2023-07-07 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: Experian Information Solutions Inc.
State: FL

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 XXXX XXXX XXXX : # 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 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 explanation
Consumer complaint received 2023-07-07 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: CORELOGIC INC
State: FL

Complaint narrative:
this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I paid {$32.00} on a XXXX party website to receive my Equifax report, considering that Equifax has locked me out of my online account for almost 2 years, and I have a security freeze as well. I received my credit report and clearly, Equifax has violated FCRA 15 USC 1681 and 15 USC 1681b in multiple ways and on multiple occasions. Citing 15 USC 1681b ( a ) subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. Equifax repeatedly provided multiple credit reports to the agencies/finance companies listed in the attached letter mailed via certified mail today # XXXX XXXX XXXX XXXX XXXX. In XXXX of 2022, I experienced a home invasion and theft of all identification documents in my wallet. I put faith in the security freeze ; however, based upon these hard inquiries Equifax has largely ignored my requests. Previously, I have disputed over XXXX hard inquires on my report with a credit freeze. My previous complaints document those disputes. I never gave my express consent to furnish any credit reports to the list of hard inquiries. Additionally, according 15 USC 1681 clearly sets out that credit reporting agencies inaccurate information greatly affect the consumer. Equifax has denied access to my credit report and insists on reporting inaccurate information. The attached demand letter has been mailed to Equifax today via certified mail. I am attaching screenshots that reflect that I am barred by Equifax from viewing my credit report. Repeatedly, Equifax has responded to me that they will get back to me within 60 days and there has been XXXX resolution. They responded to CFPB Complaint # XXXX that the logon issue was resolved which was misrepresentation, based on the next CFPB Complaint # XXXX. 
I am a XXXX yo female widow, and Equifax has damaged my reputation, my ability to rent an apartment, by abject neglect of their FCRA duties for fair dealing and good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and TRANSUINON DID. 
Fraudulents accounts : -Account # XXXX XXXX XXXXXXXX XXXX {$1000.00} -Account # XXXX XXXX XXXX Balance {$6300.00} -Account # XXXX XXXX XXXXXXXX XXXX {$650.00} -Account # XXXX XXXX XXXXXXXX XXXX {$1600.00} -Account # XXXX XXXX XXXX {$580.00} -Account # XXXX XXXXXXXX XXXX  {$2200.00} -Account # XXXX XXXX XXXX {$2000.00} -Account # XXXX XXXX XXXX  {$740.00} -Account # XXXX XXXX Balance {$4100.00} -Account # XXXX XXXX XXXX  Balance {$1000.00} -Account # XXXX Balance {$23000.00} -Account # XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX balance {$460.00} -Account # XXXX XXXX XXXX XXXX Balance {$11000.00} -Account # XXXX XXXXXXXXXXXX XXXX balance {$55000.00}

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE BEEN VICTIM OF IDENTITY THEFT. 
I SENT : XXXX POLICE REPORT XXXX FTC Report XXXX documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like Experian and XXXX DID. 
Fraudulents accounts : -Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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