vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
About 2 weeks ago I couldnt access my account using mobile app. When I called the bank I was told im sorry, your account has been CLOSED, remaining balance will be sent out, we can not disclose any information at this time and hung up.

I was schocked. I was upset, because my IRS refund was on its way.

I continued to call and find out then they told me they had received my refund!!! And witholding any access to my funds due to this now so called BLOCK placed by THEM. Without my knowledge. When I go in person, Im
told your account is still OPEN! And we can not dispurse any funds until account is fully closed in 30-60 days. MIND YOU I STILL DONT KNOW WHAT IS GOING ON. This should be ILLEGAL. MY TAX PAYER MONEY STOLEN AND WITHELD BY MY OWN BANK? even if you owe money to a bank it gets closed down and reported to credit bureau CITI BANK IS STEALING MY REFUND NOW

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WV

Complaint narrative:
US Bank Home Mortgage in XXXX Minnesota is reporting a 60 day late payment for XX/XX/2023. The payment was due XX/XX/2023 and was paid XX/XX/2023. It was 28 days late. I have documentation from my U.S. Bank online portal account verifying this fact. I have called them about this matter and have received extremely rude customer service and being told they have a non communicating credit department. Advised me to dispute it with the credit bureaus. I done this dispute thing 3 times with XXXX WITH my documentation proving I was not late 60 days. I really dont know what XXXX can do considering US Bank has a non communicating credit department. Therefore, I got NOWHERE with disputing this. Even though I am right about this, I even wrote a Goodwill letter and mailed it to US Bank asking them to fix this. This got me NOWHERE. I live off Social Security XXXX. I am XXXX. I have applied for several different home equity loans and cash out refis to make home modifications to better accommodate my XXXX. I keep getting denied time and time again. No lender will touch me with this 60 day late on my report. So I have to struggle with a XXXX needlessly because US Bank is holding me hostage. They know if they fix their error, Ill refi with another bank and they will be out of XXXX XXXX XXXX  of dollars in interest. Isnt this basically XXXX discrimination?

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-03-11 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: AL

Complaint narrative:
I still have alot of inaccurate information on my credit file! From my understanding by law you need to provide me proof I was late and you should only report accurate information. i need to have this stuff removed. How am I suppose to buy a new home. Its close to election season and I am not voting for a president if these items aren't removed. I am suppose to be an free American with consumer rights and I want to be treated as such! Delete this negative stuff or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-11 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: TX

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 2024-03-11 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-11 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have never really checked my credit because I was a XXXX XXXX XXXX  mom for 26 years. Recently divorced I have now been trying to boost my credit and I saw one of them I never applied for a Walgreens credit card.

This needs to be off of my credit report. How can this be on here if I did not even apply.

Please take this off. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: FL

Complaint narrative:
I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts XXXX XXXX XXXX  ( Account # ) : XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX XXXX, XXXX XXXX  account number XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax 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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I have my XXXX  account with Kraken.

Someone tried to use my email to set up an account. I spoke with the Kraken representative who told me they would lock my account for security purposes and get back to me about making my account secure again. 
That was a month ago. 
They shut down their phone service and require logging into your account to use chat, which I can't do since I am locked out of my account. 
My many emails and complaints have been ignored. 
After sending a complaint to the sec I received an email with steps to take to secure and reopen my account. I took the required steps and responded to the email informing of that. I am still locked out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery claims they received this account from XXXXXXXX XXXX. I have worked with XXXX for several months, but this account did not originate with XXXX. It was transferred through a merger of services from XXXXXXXX XXXX 

The account was fraudulently used by someone else, and unbeknownst to me, a claim was filed with XXXX XXXX, which is why the company is not sharing the originally requested documentation. I have been held hostage by this company for several years, and the latest report from portfolio recovery is that they are labeling this account with all bureaus as self-reported. 

Portfolio Recovery has since committed a hideous but criminal activity by reporting an account as a credit card and opening a balance when the account is charged off. This company has recently updated the credit bureau with a payment history of late every month, but I do not have a signed agreement with Portfolio Recovery. Please see the attached information, which was done in XXXX by Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made sure payments on this account are timely, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be 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 non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I am writing this letter to dispute the following accounts : XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax 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 2024-03-11 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing this letter to dispute the following accounts : CAINE & WEINER, Reported : XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.

Company response to consumer: Closed with explanation