vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: OK

Complaint narrative:
I looked at my credit report from Experian yesterday ( XXXX ) and noticed some things wrong and not being reported right. The following accounts have inaccurate and incomplete information : XXXX XXXX  ( Acct : XXXX ) XXXX XXXX of the XXXX ( XXXX ) According to the Fair Credit Reporting Act, those listed above have violated my federally protected consumer rights and confidentiality under 15 USC 1681 . Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information in concern to the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph
( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are not to furnish 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 2024-10-03 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: TX

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX BANK - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-10-03 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
said company is reporting negative to the credit agency without my consent

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Citibank credit card was hacked for over {$XXXX} starting in XX/XX/XXXX and continuing to XX/XX/XXXX. Citibank will not refund the money despite numerous phone calls.

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 2024-10-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-10-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I received my fourth denial from Equifax regarding blocking Adverse Information related to the Debt XXXX  Repair Act. According to the letter the documentation I provided was insufficient. This was the reason for the refusal three times. I am in close contact with all sources of submitted documentation, and Equifax has not reached out to them. Also, the entities who provided me with that documentation have denied being contacted. Furthermore, according to The Debt XXXX Repair Act, a company has FOUR business days to 'temporarily ' block information requested, and 25 days to investigate. The company has not yet blocked any information and has not provided me with a way to clarify anything confusing or missing. 
On XX/XX/year>, I contacted Consumer Affairs with Equifax and spoke with " XXXX '' a representative. This representative stated that my documentation was not valid as deemed by the Debt XXXX Repair Act. However, The Repair Act explicitly explains when a consumer agency may deny my claim. 1. The inability to confirm Identity. 2. Inability to correctly identify the disputed information 3. The ABSENCE of a Victim Determination. 
Once I mentioned these items to XXXX, he became defensive and cited that their policy states, " Consumer affairs must validate the determination and that certain details must be included. '' However, he would not state the details. He also refused to connect me to a supervisor. I asked for a copy of the policy, and he replied, " I can not provide you with that policy. '' XXXX also mentioned that he is the highest tier I can speak with, and then he proceeded to talk over me as I inquired about my options. He refused to give me appeal information and disconnected the call without attempting to resolve my issue. 
Under the Debt XXXX  Repair Act, I am eligible for certain protections, and as such, I request that my dispute be resolved and acknowledged appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Over paid my credit card and created a credit balance on my card. I requested a credit balance refund check on XX/XX/year>. I used chat to check on status on XXXX and was informed my refund was in review. I called again on XXXX as that is 7 business days from my request and was informed the review could take 30 days. I requested them to escalate the review and was informed it would be 2-3 more business days and then another 5-7 for mailing.

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 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I have purchased vehicles from carvana in which I was deceived that vehicle was under warranty. Vehicle was under mileage and transmission problems occurred and I was out of vehicle because the warranty was expired on vehicle. I personally feel that carvana breaches of warranties also sold me vehicles with out of state tags violating IL laws. 15 usc 1605 as a consumer I feel like I been taking advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, First Citizens Bank was contacted regarding a vehicle break-in that occurred. During this call, no bank representatives were available as it appeared that the bank has no " after-hours '' answering system. Fortunately, XXXX XXXX was able to restrict the card access via the telephone system during that call. 

The bank was contacted again on XX/XX/XXXX, and a representative from the Disputes Department was advised of the incident that occurred a day prior, she proceeded to order another card and advised XXXX XXXX to contact the bank once the fraudulent XX/XX/XXXX XXXX XXXX transaction for {$4100.00} posted to the account. 

During this waiting period, XXXX XXXX was never advised nor contacted that the previous card had been deactivated by a unknown representative. It is not until XXXX XXXX contacted the bank again on XX/XX/XXXX, that he was informed that the bank considered him a " risk '' based on the most recent XX/XX/XXXX XXXX XXXX for {$4100.00} dispute. They also informed XXXX XXXX that the dispute has already been declined due to, " the story not adding up... how can someone steal your card and use the card in the same city '' which are the comments the representative read by the dispute representative. In essence, First Citizens Bank is failing to following protocol via Reg. E but also in whole, refusing to investigate the dispute in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : 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 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have previously disputed this account. XXXX are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within XXXX days of the first contactXXXX XXXX XXXX stated that they sent me a letter on approx XXXX advising me of the debt. I never received any such letter and would like proof of receipt of any letter advising me of this debt as well as a copy of the certified mail showing my signature and receipt of the letter notifying me of the debt or for this account or for this account to be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TN

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and XXXX XXXX reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. Claims must adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

XXXX XXXX XXXX XXXXXXXX You are bound by the FCRA laws to respond to my requests in 30 days - I would recommend a response with the written method of verification and documentation. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my 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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
On XX/XX/year> I made an extra payment of {$XXXX}. I wanted this payment to be applied towards principal only. However, when making the payment, it did not give me the option. My extra payment was applied towards interest and principal without disclosure. On XX/XX/year> I called the loan company and asked on how to make a payment towards principal only. I was told that their system does not give the option to apply extra payments towards principal only. Additional payments towards the loan will be split by their computer system towards principal and interest.

Company response to consumer: Closed with explanation