vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I was contacted by a company claiming to be XXXX XXXX XXXX. The initial phone call came from a number close to where I live ( XXXX ) XXXX a recording was left stating This message is to notify XXXX XXXX XXXX of a pending matter in our office that is in the process of being reviewed today, we will be verifying your current address as well as place of employment to deliver proper documentation at this time you do have the right to contact the office directly at ( XXXX ) XXXX again that number is ( XXXX ) XXXX. This will serve as your official notification by phone for immediate assistance. 

I was notified by a woman named XXXX I had an account in collections with the above stated company. 

The original creditor : HSBC Account ending # XXXX Address my current address I advised her I had no recollection of said account and have never done business with the company. The woman hung the phone up in my face without any other information given. 

I called the alleged original creditors fraud department and the representative advised after doing a search by my social, they had no record of me having an account with them. I have never had any affiliation or sought out credit from this creditor, nor are they listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX my card was charged the following international transactions fraudulently : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores 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 2022-11-08 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: LA

Complaint narrative:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did Equifax subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've called several times to update my birthday with no ability to reach a representative who can help me. I've used the automated system several times and it never prevents me with the options I need. When I ask to speak with someone, the system tells me NO and hangs up.

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 2022-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CAPITAL ONE Account Number XXXX Date OpenedXXXX StatusAccount charged off. {$410.00} written off. {$410.00} past due as of XX/XX/2022. 


in accordance with the Fair Credit Reporting act Capitol one acct. # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: OR

Complaint narrative:
Debt was fraudulently reported to credit agency, and can not be verified. The company reporting the debt claims they obtained it in XXXX, based on a " previous debt '' originated in XXXX. The company has made no attempt to collect, but has reported this fraudulent debt to XXXX, who then has taken action against my credit. I have never owed debt to the original creditor XXXX XXXX XXXX XXXX ), and this debt is the result of identity theft or fraudulent reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 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: NV

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, Account : XXXX XXXX  XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 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. 

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 2022-11-08 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: NV

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, Account : XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX 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.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent out dispute letters and certified letters dated as XX/XX/2022 and XX/XX/2022.

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fraudulent auto loan was opened in my name and now XXXX XXXX XXXX is reporting a fraudulent loan on 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 2022-11-08 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: GA

Complaint narrative:
A fraudulent auto loan was opened in my name and now XXXX XXXXXXXX XXXX is reporting a fraudulent loan on 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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was unable to access my Citibank savings account for several days due to an expired debit card ( XX/XX/2022 through XX/XX/2022 ). But I had never received a debit card from Citibank in the first place and didn't know I was supposed to have one. I had to request a new debit card be mailed and get the associated card numbers before I could log into my account. Then, I was unable to complete a wire transfer and still am unable to complete it. I am trying to transfer {$50000.00} to my lawyer in order to purchase a house. I continuously get an error on the website : " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' I called customer service and spoke to four different people, none of whom have been able to help me. They said the only thing I could do was wait until their system refreshes and the security flag is cleared. I have been waiting and trying hourly but am still getting the same error and can not access my funds.

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 2022-11-08 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: 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. 

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 XXXXhas 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.

in accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a { {$1000.00} } fine. Note that a copy will also be sent to FCRA.

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 2022-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a house in XX/XX/XXXX ( closing was on XX/XX/XXXX ) and paid $ XXXX by loan from a mortgage company. Late XXXX, I sold our house ( closing was on XX/XX/XXXX ), and I was about pay off my mortgage loan ( $ XXXX ). I knew my mortgage loan was sold to another bank before XX/XX/XXXX by mail from new mortgage bank. I received letters from mortgage companies in regard with my mortgage was transferred between XXXX companies. XXXX was delivered to our house late XXXX ( XXXX XXXX XXXX ), and the other was delivered XX/XX/XXXX from the original mortgage company. According to the letters, my mortgage was sold on XX/XX/XXXX. 
My original mortgage loan was supposed to be no penalty for early paying-off, but new bank is charging me {$1500.00} for " XXXX XXXX '', according to their pay-off statement which provided me per my request ( I called to new bank to pay-off my mortgage loan on XX/XX/XXXX when our original house was closed ). I received payoff statement on XX/XX/XXXX, I found this " fee '', so I called to the bank and asked what this charge, and a representative of new bank told me that overdraft was charge that I pay off my loan. It sounds like penalty which I would not be charged on the original mortgage. 
In addition, I have to pay one-month of interest even I pay off 1st day of the month. It supposed to be calculated daily basis as late payment penalty. 
I decided to go to the bank, and I will discuss with loan officer face to face tomorrow ( XX/XX/XXXX ). Thanks a lot.

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few 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 explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Original Creditor - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

Date on XXXX - XXXX XXXX. XXXX ( I never attended during this time. ) Statement Date from XXXX : XX/XX/XXXX ( attached ) Payment Made by XXXX  XXXX in XXXX of XXXX for XX/XX/XXXX - XX/XX/XXXX ( attached ) XXXX provided Debt Company a Falsified Statement with the same charges numerous time. ( See Statement attached ). Amt. stated as owed XXXX. 

Neither Creditor or Agency can explain the Statement or tell me why this is owed. 
I'm a Texas Veteran and used my Ch. 33 VA-EDU benefits XXXX Which paid for the Course in FULL ( see VA receipts attached ). 

XXXX  Billing department will not provide me any information. Will not send proof or explain details of Statement. I've been harassed for over 4 years & this account was at one time deleted from my Credit report due to XXXX not being able to verify statement. 
Please assist & investigate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NV

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, Account : XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX. XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 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. 

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 2022-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: OH

Complaint narrative:
My account was sent to a collection agency. There are XXXX accounts total that were sent to Americollect. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX These accounts are showing up on my credit report. I have filed a dispute with them and asked them to take it off. And they refuse. As it violates my XXXX rights. 

Thanks for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It is absurd that 1 late payment after 5 years of all on-time payments results in an XXXX point drop to my credit score. How is that even justifiable. This resulted in one of my credit card reducing my limit which will in turn lower my debt ratio resulting in another decrease in points. Absolutely ridiculous. The cfpb needs to start protecting consumer rights against the arbitrary scores the credit bureaus determine that results in serious financial impact to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few 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 explanation