vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: AZ

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.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This account is identity theft and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: IL

Complaint narrative:
I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a claim for merchandize not received on XX/XX/year>, under the case number XXXX and the claim was denied without any answer or reason. 
I reopened the case on XX/XX/year> through customer service and since then I have not received any update or status of the claim reopened. 
I sent the information requested to have a second review to 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX Date of inquiry : XX/XX/XXXX. XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX will not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/XXXX the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( Experian ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of XXXX XXXX XXXX. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete remove all the following addresses : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete remove all the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never lived at these address please delete them.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank 'bestbuy ' continues to send me notice of {$150.00} due.

I have never used 'citibank ' card after the purchase of XXXX XXXX ' at Bestbuy, XXXX, Idaho.

Please be advised, I have never used 'citibank ' card # XXXX XXXX XXXX XXXX after the purchase of said XXXX '. 
All use of this card after purchase of 'XXXX  ' at Bestbuy XXXX XXXX , ID. Is unauthorized fraud.

We are very grateful to CFPB for your help in clearing up this matter.

Citibank is welcome to call us at home, XXXX. If further details are needed. 
We live in XXXX, Oregon XXXX XXXX XXXX XXXX XXXX is a land line.

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 2024-03-26 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: MD

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized, and I request that it be promptly investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: LEXISNEXIS
State: AZ

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.

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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, someone stole a check meant for the mortgage company from my mailbox at home. They somehow photoshopped someone's name on it and cashed it ( {$1900.00} ) the within a few hours. Reported that issue to XXXX XXXX, MD police ( Case # XXXX XXXX : Wurst Badge : XXXX Phone : XXXX ), and Citibank ( XXXX XXXX, MD ) branch in person. The representative XXXX XXXX supposedly filed a fraud case, put a block on our account and opened a new checking account. I was told at the case will take about 90 days for investigation and resolution. On XX/XX/XXXX, I received a letter from Citi stating that the case is closed since I did not provide some affidavit which XXXX should have done for me. I called in the fraud team to find out XXXX did not file any case and that I need to go to the branch in person and file an affidavit. I went to the branch the same day, met with XXXX XXXX and she helped me file a proper case. In XXXX when I inquired with the branch XXXX XXXX XXXX who appeared to be helpful and said will personally followup. End of XXXX and XXXX, I reached out to her to get the response that case can take 90 days to solve. Now today is XX/XX/XXXX, inquiring twice in the last XXXX weeks yielded no response. Not only that I have been their customer since XXXX, Citibank has no regards to an issue, and is covered by the FDIC policy. I do not want to bother calling them again to resolve this. Would like CFPB take direct action to resolve it. I have all kinds of proof to present but Citibank has them. Please help. Thanks.

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 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
XXXX I got a text message that I owed on a debt collection that I have been paying on. They told me that I missed XXXX payments on XXXX, XXXX, XXXX XXXX XXXX. This is the XXXX  I have heard of it. I got a letter in XXXX XXXX XXXX that said if I didnt make a payment by this date my agreement would be turned off. I made a payment thinking I forget and havent heard anything since. Today I get a text message saying that I need to back the XXXX months. Why did they wait XXXX  months to tell me I missed payments? I thought it was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Unknown - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have received a collection notice from Gulf Coast Collection Bureau attempting to collect an unspecified debt and misleadingly portraying itself as a government entity through its company name and statements. I encourage the CFPB to review past complaints from about this company. Gulf Coast Collection Bureau has not provided any of the documents that I requested. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Agreement with your client that grants Gulf Coast Collection Bureau Inc the authority to collect this alleged debt. Forward Flow Agreement. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Provide me the Bonding agent as well!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
XXXX XXXX Has Approved to subpress my Bankruptcy and the credit bureaus have yet to remove the bankruptcy from 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 explanation
Consumer complaint received 2024-03-26 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: MD

Complaint narrative:
XXXX XXXX Has Approved to subpress my Bankruptcy and the credit bureaus have yet to remove the bankruptcy from 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 2024-03-26 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: MD

Complaint narrative:
XXXX XXXX Has Approved to subpress my Bankruptcy and the credit bureaus have yet to remove the bankruptcy from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
In 2020 I received notices that this account that was not mine was delinquent. I notified XXXX XXXX that the account was not mine and opened fraudulently but they persisted to try and collect even after I furnished them with a police report and identity theft case report and number. The account was then sold to Cavalry portfolio services  after XXXX removed the account as a collection.

Company response to consumer: Closed with explanation