vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is knowing allowing XXXX XXXX  to report an account TWICE on my credit report. They were made aware that XXXX XXXX sold the fraudulent account to XXXX and now they are allowing the SAME EXACT account to be listed on my credit report twice which is a violation of the fair credit reporting act. The account ending in XXXX is on my Equifax credit report TWICE and Equifax needs to remove XXXX XXXX XXXX  from the report as that is a VIOLATION to report the same account twice on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer 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 2024-08-14 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: MI

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 : 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 and list of Inquiries. 

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
Consumer complaint received 2024-08-14 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: MI

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 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  and list of Inquiries. 

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 2024-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi! This is XXXX XXXX my Citibank account is currently locked and has been locked since XX/XX/year>!! I have been relentlessly trying to get access to my money!!! I deposited my government refund check into this account and now Citibank blocked my account for no reason! They are stating that Citibank fraud department has sent out a Reference code for me to call and verify my identity! This has been their same response since XX/XX/year> and it is now XX/XX/year> and I still did NOT receive! I even asked if I can step into the branch and present my government issued Identification Card and Citibank refused to let me! I do not know what more do Citibank want me to do! I am not the only person that is going through this same situation! I have read over ten different articles about Citibank freezing their accounts for no reason! This is will be my second time reaching out regarding this matter! The previous representative that was assigned to my case was VERY RUDE!! When I explained to her to make sure the fraud department was sending my reference code to the correct address which is XXXX XXXX XXXX XXXX XXXX IL XXXX she told me that Citibank will send to a verified address and I do not know what address that maybe because I do not live anyplace else only XXXX XXXX XXXX XXXX XXXX IL. If Citibank does not want to release my funds I want my accounts closed and I want a cashiers check to be issued to my address that is on file l! This is ridiculous how do Citibank expect people to survive without their funds! This has been so stressful and very frustrating!!! If someone can please reach out to me about this situation as soon as possible! I am sick and tired of getting the run around and going back and forth with Citibank!! Down below I will attach documents from some of the articles online.

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 2024-08-14 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-14 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: GA

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries.

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 othe
r 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/year> I tried to withdraw {$120000.00} from my savings account to be transferred back to the account that it was deposited from. 
On XX/XX/year> the amount was noted as " posted ''. No transfer was made. 
On XX/XX/year> I contacted the bank and they informed me that they had placed an 'Alert ' on my account and locked it from access. They said that they couldn't 'verify my identity ', even though I provided them with my name, DOB , SS #, secret password, DL state and #, email, 2 phone numbers, AND I can still login to my account online.

I have seen online where several people have had this same issue with Marcus by Goldman Sachs. 
They are now holding my money and will not allow me to access it. This account is a year and a half old and my funds have been deposited into it since I opened the account. 
They will not allow me to withdraw my savings or close the account. 
Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$29.00} I hope for a prompt and effective resolution to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this matter. 

Sincerely, 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 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint against American Express for what I believe are violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), involving false statements or representations and incorrect information reported on my credit report. On XX/XX/year>, an account was closed with an outstanding balance of approximately {$1400.00}. American Express subsequently reported this account as a charge-off and placed it in collections. Despite this, they have not transferred or sold the debt to a collection agency, and they continue to pursue collection efforts directly. My concerns are that American Express continues to report this debt as a charge-off with a balance on my credit report, despite potentially claiming a tax deduction for this bad debt under IRC Section 166. The continued reporting of a balance, along with the charge-off status, suggests that the debt is still collectible, which is misleading and inaccurate if the debt was actually forgiven. Additionally, American Express has not issued a Form 1099-C, which would indicate that the debt has been canceled or forgiven. By failing to issue this form and continuing to pursue collection efforts, American Express is in violation of the FDCPAs prohibition against false, deceptive, or misleading representations ( 15 U.S. Code 1692e ) and the FCRAs requirement for accurate reporting ( 15 U.S. Code 1681s-2 ). Under the FCRA ( 15 U.S. Code 1681n ), I am entitled to statutory damages of {$1000.00} for this inaccuracy being reported on my credit report. I request that the CFPB take immediate action to investigate this matter, including the removal of this account from my credit report, imposing fines on American Express for the damages caused by these violations, and ensuring that I receive the {$1000.00} in statutory damages to which I am entitled. Furthermore, I will also be reporting this issue to the IRS for further investigation into the legitimacy of the tax deduction claimed by American Express and its ongoing collection efforts. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries.

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
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries.

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 2024-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, Uplift attempted to take a payment from my XXXX using the debit card on file for monthly installments. I was notified this payment was declined. I went online to investigate and removed the debit card as a payment method. I recently received a new debit card from my bank because of a legal name change. So, the original card was deactivated, causing the payment to be declined. I attempted to add my new, updated debit card to the payment methods on uplift.com and it just gave me an error over and over ; " Card is not accepted. Please try a different debit card or connect your bank account. '' Well, I don't have another debit card because I only have one checking account. I tried adding a different card per the direction of a customer service agent I spoke with on XX/XX/XXXX. The website then told me " Credit cards are not accepted. Please try a debit card or connect your bank account. '' I have tried connecting my XXXX via XXXX, which, is the only option uplift.com provides for connecting a XXXX. Well, XXXX gives me an error on every site I try to use it with that states : " The credentials you provided were incorrect. '' I spoke with my bank via online chat and was told there is an issue with XXXX  and that the bank no longer manually connects XXXX XXXX XXXX XXXXor clients. I was told by my bank that the company I am trying to pay would need to manually connect my XXXX for me. I was then told by Uplift they don't do that. I was told to try making a payment by phone using the automated system. Every time I try, it transfers me to an agent who says they don't take phone payments. Additionally, I tried calling Uplift customer service a couple of times before XX/XX/XXXX to figure this out, and every time I got on the phone with a person, the call would end abruptly. The very last person I spoke with at Uplift told me I will have to mail my payment. The amount of time and effort I have had to put into this is absurd. Uplift should not be operating with online payments if its technology isn't sophisticated enough to deal with these things. Also, banks and other companies take payments by phone every day. Figure out how to do it. I will NEVER borrow from Uplift again after this. I received an automated text on XX/XX/XXXX at XXXX EST that my payment was due XX/XX/XXXX and my " trip may be subject to cancellation due to non-payment. '' Improve your customer service, improve what your people can do via phone, and improve your online platform. I expect to be compensated for such an inconvenience. All of this has been going on while dealing with fallout from a natural disaster in my area on XX/XX/XXXX ( tornadoes in XXXX Ohio ) and having XXXX at the same time. I even tried sending an email to Uplift ( XXXX ) at first because I was so sick, I had no voice and couldn't speak on the phone. There is no online chat option with Uplift.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I was a victim of Identity thief, this account showed up on my credit out of no where. I have never had dealings with this company.

Company response to consumer: Closed with non-monetary relief