vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
According the FCRA AND FDCPA, XXXX XXXX  and Financial recovery services are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. 

They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name.

I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. 

The accounts are listed below : XXXX XXXX XXXX  15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: WA

Complaint narrative:
My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Washington. I am XXXX XXXX XXXX. 

On XX/XX/2022, Key Bank allowed multiple fraudulent transactions to occur on my business checking account without my knowledge or consent ( {$48000.00} ). Key Bank allowed a criminal to call in through their automated service number and fraudulently transfer {$5000.00} from my business line of credit to my business checking account to ultimately steal. Key Bank allowed transactions to occur over the phone without vetting that they were actually speaking to me. Below is a list of transactions that Key Bank allowed to happen without my knowledge or consent : XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6800.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$4900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6900.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$5000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$6300.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Direct Withdrawal, XXXX, XXXX - {$1000.00} XX/XX/2022 Phone Transfer from business line of credit {$5000.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Credit, XXXX- {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} XX/XX/2022 Direct Deposit, XXXX XXXX XXXX Account Verify - {$0.00} Key Bank Case # XXXX XXXX XXXX Police Department Case # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB Case # XXXX XXXX XXXX XXXX fraud happen to him in XX/XX/2022 with Key Bank in which criminals were able to XXXX {$430000.00} successfully. Key Bank did not refund this fraud. 

I am not affiliated with XXXX XXXX and XXXX XXXX XXXX in any way other than we both bank at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have two existing checking accounts at Citibank ( Citi ), and I recently applied for and was approved for a Citibank Executive Mastercard ( MC ). Shortly after my MC was activated, I received an email from Citi advising me that for my " convenience '' the MC was linked to the existing checking accounts. This was done without my consent or approval. I called Citi and advised that I did not want the accounts to be linked. To ensure the accounts would not be linked, I was instructed to create a separate User ID for the new MC, which I did, and the accounts were unlinked. Within 24 hours, the MC was again linked to the checking accounts. I called again, and the account was unlinked, only to be linked again in 24 hours. I went through this exercise for the next three days where my MC was unlinked then linked back to my checking accounts. I called Citi to complain that they are tampering with my account without my consent. They keep linking the MC to my checking accounts without my consent and against my explicit wishes and instructions. In fact, they are altering my account without my approval as they are utilizing a User ID for the account which I did not authorize since I have established a specific User ID for the MC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX  / XXXX Received a gift card with {$150.00} balance ; card states it must be " registered '' to use online or for mail order. Card states registration can be completed online but website provided ( see above ) is not functioning. Called number on card ( see above ) and verified the balance using the automated system. Registering the card requires calling and speaking to customer service representative. 

Customer service representative required me to repeat the 16-digit number five ( 5 ) times before acknowledging the balance / validity of the card. Customer service representative then stated I would need to send in hardcopy forms including photocopies of a government issued ID in order to register the card and use it online. When I said this requirement seemed unduly burdensome ( having to provide my personal information to use the product ) they refused any other option, refused for me to speak to a supervisor, and refused to give me their name. The customer service representative kept repeating the demand then hung up on me. 

Tried accessing the website and called the number on XX/XX/ 2023 between XXXXXXXX XXXX and XXXX XXXX EST. Internet searches suggest this is not an isolated incident. Effectively, the company appears to be artificially creating barriers to using the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
I'm XXXX XXXX, please help with the following concern. 
I have received a letter from ARSTRAT, it says that it is a debt collector for debt to XXXX XXXX of XX/XX/2021 : it is wrong and does not belong to me. The XXXX XXXX company has never sent me notification by email or mail. However, upon receiving this letter, as an immediate response, I have reviewed my health plan account along with the XXXX XXXX account and everything is in order even the 2021 bills for that certain date. 
Information inside letter From XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX  Reference XXXX Letter XXXX Creditor acciunt number XXXX As of XX/XX/2021 Total amount of the debt : {$21.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

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. 
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX # XXXX Account XXXX : XXXX XXXX # 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 an 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 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is in violation of the Fair Credit Reporting Act for providing information from my credit file in according of XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I XXXX XXXX has not provided Equifax written instructions to provide any information of my consumer report XXXX. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 XXXX bank XXXX XXXX. 
XXXX XXXX bank XXXX XXXX XXXX XXXX 
XXXX card XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In also XXXX XXXX XXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Esusu, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported a have a loan with them. I don't have a loan and have NEVER had a loan with this company. I RENT a room with them under house sharing. Last year they reported the same thing under a company called Esusu and both times my credit score dropped significantly. I disputed the Esusu last year and it was removed but my points weren't returned. I have reached out to both companies twice and have been told someone would get back in contact with me and after 2 weeks nothing! They are ignoring me just like last year. Something needs to be done because they are a rent reporting company and my good on-time payments are supposed to help increase my credit score not decrease it. On my credit report under account details it lists as rental agreement so why is this being reported as a closed loan? I was told last year by Esusu this is the only option they have to report payments and this is hurting me. My score has dropped again which is preventing me from obtaining an apartment. I DON'T want to continue to live in a ROOM! Ask this company to provide loan documents with my signature on them or remove this item from my credit report and this time restore all of my points that were taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belong to me legally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

Account name : # XXXX XXXXXXXX Account name : # XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX  XXXX Account name # XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief