vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Original Creditor : XXXXXXXX XXXX Current Holder of the Debt : XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/2024 Status as of Last Update : Collection account, {$760.00} past due as of XX/XX/2024 Status Updated : XX/XX/2024 Balance as of Last Update : {$760.00} Balance Updated : XX/XX/2024 Original Balance : {$760.00} Terms : 1 Month Responsibility : Individual Details of the Incident : The account with XXXX XXXX was transferred to XXXX XXXX XXXX and is now reported as a collection account with a balance of {$760.00}, which was past due as of XX/XX/2024. The balance was first reported and has remained at {$760.00} since the account was opened on XX/XX/2024. No monthly payments were set up, as the terms indicated a one-time resolution in 1 month. 

Actions Taken by the Company : As of the last update in XX/XX/2024, XXXX XXXX XXXX has not provided any detailed statements or communications explaining the basis of the debt, nor have there been any attempts to negotiate or settle the debt prior to moving it to collections status. 

Actions Taken by Me : Upon noticing the collections entry on my credit report, I immediately sought to verify the details of the debt, as no prior communications or billing statements were received before the account was marked as in collections. I have yet to receive any response or documentation that validates the debt. 

Requested Action : I am seeking a thorough investigation into this matter, including the provision of all relevant documents pertaining to the debt and its transfer from XXXXXXXX XXXX  to XXXX XXXX XXXX. If the debt can not be validated, or if prior notification requirements were not met, I request the immediate removal of the collections entry from my credit report, and a formal acknowledgment of this correction.

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 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account on XXXX XX/XX/2024. Citi had the promotion going on ( still going on ) that if we have {$1500.00} or more in Enhanced Direct Deposits ( Direct Deposits from Employer, XXXX, XXXX transfers, etc. ), I get a {$300.00} bonus. I am also attaching a screenshot in which you can see on top that it says Citi {$300.00}. I am also attaching a screenshot from the Citi website stating that it's for every checking account opened between XXXX XX/XX/2024 to XXXX XX/XX/2024, so my XX/XX/XXXX should qualify. I have called multiple supervisors, managers, and customer service, but unable to get my bonus. I will also attach a screenshot showing I have completed {$1500.00} in Enhanced Direct Deposits. Citi 's website states it will post a bonus within 30 days after completing activities. My activity was completed on XX/XX/XXXX, but today is XX/XX/2024, and it still hasn't been posted. Please help me get my bonus.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had XXXX XXXX  accounts in collection. In XXXX of this year they removed from all XXXX  credit bureaus. My credit score went up significantly then they reappeared on the experian report like they were new and my credit score dropped by over XXXX points. Again this only happened on my experian report. I do not have a paid subscription to experian. They have done nothing to rectify this situation. I also disputed the collections because there were XXXX reports from the same company for the same date and virtually the same amount of money. That also was never rectified.

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 2024-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I had received multiple advertisements from Mariner finance and when I was in a tight spot I applied. I was offered XXXX but didn't need that and took XXXX. I've paid on time every month and sometimes twice a month for over a year. My payoff amount is 3 times what I borrowed and discovered I was pay for extras including life insurance. They have made this loan impossible to payoff and they are making 3 times their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is XXXX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. XXXX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 US Code 1681c-2 a consumer reporting agency shall block a reporting agency 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TP PREVENT FURTHER STALL TACTICS FROM TRANSUNION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses 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 2024-05-12 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: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), XXXX, XXXX, and TransUnion. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX  unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX, Experian, and XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXXXXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, Experian, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, Experian, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, Experian, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have discover credit cards for years I opened a new acct with no interest for 18 months and provided proof of verity from bank XXXX notary they told me they called bank and the notary was not there I went back to have another notary verify my identity again they rejected it for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : 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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently looked at a copy of my credit report and notice several inaccuratcies on my account. This account is hurting my ability to obtain credit, it is my understanding that that you will investigate these items for me to insure accuracy, also It appears that you have turned this item into a charge off, this account has been paid full, please reflect this on my credit file. Here is the item I am asking for you to verify as accurate. Fair Credit Reporting Act- Public Law 91-506..Title VI Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses 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
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent in a certified letter asking for a proof of the record. I also asked them to re-investigate and delete or correct the disputed information. On XX/XX/XXXX, receive a notification online from Experian stating that it remains and was certified and accurate from company that reported it them. What is the name of the company that is reporting the record if the Bankruptcy court does not communicate with the credit bureaus. On XX/XX/XXXX, I also sent a certified letter to the US Bankruptcy Court asking do they report to the credit bureaus and third-party companies such as XXXX, they responded to my letter back in writing, stating that they do not report to credit agencies that they collect information from petitions. 

XXXX, a furnisher of consumer information, and Experian, one of the major credit reporting agencies, have violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and derogatory information, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.

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 2024-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Issue Summary with PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Current Holder of the Debt : PROGRESSIVE MGMT SYSTEM Account Type : Collection Date Opened : XX/XX/XXXX Status as of Last Update : Collection account, {$1600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance as of Last Update : {$1600.00} Balance Updated : XX/XX/XXXX Original Balance : {$1500.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$1600.00} Responsibility : Individual Details of the Incident : The account in question originated from services provided by XXXX XXXX XXXX XXXX. The last payment recorded was on XX/XX/XXXX. Following this, the account balance increased from the original amount of {$1500.00} to {$1600.00} by XX/XX/XXXX, reflecting accrued interest or additional fees. 

Actions Taken by the Company : As of XX/XX/XXXX, the debt was transferred to PROGRESSIVE MGMT SYSTEM, and the account status was updated to reflect a collection status. There have been no further communications or explanations provided regarding how the original balance increased or why the account transitioned to collections after the last payment. 

Actions Taken by Me : Upon noticing the collection status on my credit report, efforts were made to understand the debt escalation from {$1500.00} to {$1600.00}. Requests for itemized billing statements and communications from both XXXX XXXX XXXX XXXX and PROGRESSIVE MGMT SYSTEM have been initiated to clarify the charges and confirm the accuracy of the debt reported. 

Requested Action : I am requesting a detailed breakdown of all charges leading to the current balance of {$1600.00}, including any interest and fees applied. Additionally, a review of the communication attempts made before transferring the account to a collection status is requested. If discrepancies are found or if prior notification requirements were not met, I request the immediate rectification of this issue, including the adjustment of the balance and removal of the collection status from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX, XXXX, AND XX/XX/XXXX Are dates which i have requested to have the inaccuries removed from my credit report whichstill remains.I have proviced supporting documents such as a clear copy of my Driver 's license and Social security card and proof of residence along with a FTC report stating that there are items on my credit report as a result of Identity theft.I was told that there were several variations of Social security numbers merged with my credit files. I was told that the account had to undergo maintenance in order to get this issue resolved. there is a variety of inaccuries with my personal information such as Names, SS Numbers, addresses and accounts which i have stated on a numerous of occasions and the credit bureau is refusing to update my account. I have followed all suggested actions and reached out to the creditors trying to get this resolved. I am in the home buying process and these fraudulent items are still listed associated with my credit files. there are accounts on my credit files which has been listed for over 7 years that needs to be removed immediately. 
i have sent certified notices to the creditors affirming that i am a victim of identity theft. 
XXXX is refusing to let me access my file, they said this decision is indefinitely.

Company response to consumer: Closed with non-monetary relief