vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, XXXX, XXXX, and Equifax. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, XXXX, XXXX, and Equifax, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information XXXX, XXXX, and Equifax insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael G. Niles
State: PA

Complaint narrative:
This is not my debt. Get this information off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account ending in XXXX with Citibank is showing a balance due, this is pass statue of limitations and reporting incorrect

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 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lobel Financial has an account of XXXX reported to my credit without my information, only with my name, there is no information of mine in its system,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Hello, I believe I have received a fraudulent email form the student loans dept of education. Via, Email. The indicates to check inbox. I did view student loan website and attempted to submit a complaint via the website w/o any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to TransUnion about the following inquiries on my personal credit report. I told them i dont have any open accounts related to these inquires. They referred my to the CFPB. By law they must be removed. There are the inquires on my TransUnion that must be removed. 

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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I need funds $ XXXX from my Citi bank account for my closing yesterday ( XX/XX/XXXX ). The bank has locked my account for unknown reason and not releasing my funds, which is causing uncertainty and stress. Could you please help?

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-07-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYS Creditcard, Application XXXX for an XXXX XXXX XXXX XXXX, from XXXX. My Credit score at all 3 Credit Bureaus is between XXXX and XXXX. 
Barclays get the information about my identity from all major credit bureaus. Even that Barclays ask my to SEND (! ) by mail highly private and sensitive Documents ( see attached copy of the Barclays letter ) AFTER Barclays pulled my credit reports, which lowered my credit score! If BARCLAYS don't trust the information from the credit bureaus the should ask me BEFORE the ask the CR Bureaus for my scores! BARCLAYS damaged my Creditworthiness and thus damaged my reputation. This is the reason why I ask for a compensation. My attorney says I can do this!

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 2023-07-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax to have two inquires removed from my account and they said it was verified and they cant remove them. They instructed me to file a report with cfpd. By law these inaccurate inquiries must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX refuses to remove from credit report. Identity proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: MO

Complaint narrative:
Inconsistencies such as incorrect spelling if middle name, fraud accounts, and previously used residency that was not obtained by me at the time of the opening of this fraudulent account. Experians fraud department has been helpful through the entirety of resolving my disputes EXCEPT with XXXX by allowing a reinsertion of a previously disputed fraud account and its collection account attached ( XXXX XXXX ) has already been removed also. WHICH IS ALSO PROOF EXPERIAN VERIFICATION PROCESS NEEDS TO BE IN QUESTION I ALSO UPLOADED COURT DOCUMENTATION OF RESIDENCY AT THE TIME OF THE ACCOUNT STATES IT WAS OPEN ALONG WITH FTC REPORTS AND UTILITY STATEMENTS THE VERIFICATION PROCESS OF MY DOCUMENTATION PROVIDED PROVING I AM A VICTIM TRYING TO SEEK HELP. The MAJOR INCONVENIENCE of all of this is that EXPERIAN allowed for this fraud account to be reinserted FURNISHING MY CREDIT REPORT WITH ADDRESSES AND NAMES CONNECTED TO THE FRAUDULENT ACCOUNTS. I spent countless hours with different reps to get this resolved and Ive been a victim of identity theft since XXXX  I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX CONSUMER account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.

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 2023-07-11 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX  Delete XXXX  now due to fraud or provide me with a point of contact of your legal team.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Happy Money, Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX ( " HM '' ) for violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and 12 CFR 1006.14 ( h ) ( 1 ). 

HM is a credit services organization and as per their own admission, they act as an intermediary between a XXXX XXXX and the consumer, and do not extend credit directly or indirectly. This role, coupled with their admission of being a debt collector, brings them under the ambit of the FDCPA. 

On XX/XX/2022, I sent a certified cease and desist letter to XXXX  ( Certified Mail Tracking # : XXXX ), asserting my rights under 15 USC 1692c ( c ) and requesting that HM communicate with me solely through written mail and only when the communication pertains to my remedy. 

Despite my explicit request, HM has continued to breach the guidelines set by the FDCPA. They have recently sent me 3 emails concerning the alleged debt, which is a clear violation of 12 CFR 1006.14 ( h ) ( 1 ). Additionally, they continue to report to my credit report, which according to the definition of " communication '' under 15 USC 1692a ( 2 ), constitutes an indirect conveyance of information about the debt.

15 USC 1692a ( 2 ) as it states " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I believe these actions by HM are a clear violation of my rights under the FDCPA. According to 15 USC 1692c ( c ), a debt collector must cease communication upon the consumer 's request, except for specific circumstances which XXXX has not adhered to. In addition, per 12 CFR 1006.14 ( h ) ( 1 ), a debt collector must not communicate or attempt to communicate through a medium the person has requested not to be used.

I respectfully ask the CFPB to investigate these practices and take appropriate action to protect my rights as a consumer. I am ready to provide any additional information that may be necessary for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I asked Transunion to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Transunion has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my 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
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers.

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXXXXXX 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