vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: NV

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 and XX/XX/22. Please investigate and provide proof with bank statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time and never late as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-04-06 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: CA

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 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called you on Wednesday XX/XX/2023, and you informed me that someone stole my social security number by the name of XXXX XXXX and has used my credit to open an account or accounts without my knowledge. I can not get an Equifax report and I am requesting one. Equifax keeps sending the same letter requesting valid proof of my ID. I have sent them this information TWICE and they keep sending the same letter. I have sent them my driver 's license, SSN, and XXXX proofs of residence. I just want to review my credit report so I can see if this thief has opened accounts or not. This is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: AZ

Complaint narrative:
Some company called XXXX XXXX XXXX XXXX XXXX  XXXX, using a credit collection agency with following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I have not taken any loan from XXXX XXXX XXXX. 
All my credit reports now have this " collection '' on it - for a loan that I have not taken.

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 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Citi Double Cash credit card for the last 6 years or so. I used it purchase a seasonal lawn mowing service on XX/XX/XXXX and was charged USD XXXX. 

The merchant was supposed to come the next day to start, but he didnt and went incommunicado, after multiple attempts to reach him over email and call, he responded that he is in some trouble with IRS and has to shut shop and that he will refund our money as soon as he can. We continued to follow up over email about the refund, but fell on deaf ears with no response since. 

Meanwhile raised a dispute on the Citi app on XX/XX/XXXX. Never received any status updates from Citi in the app or mail, but suddenly XXXX day in early XXXX saw the dispute status changed to customer responsible which was updated on XX/XX/XXXX. It said that they contacted the merchant and he said the services were delivered!. I called Citi bank customer care multiple times, most times there was a long hold time and the one time in late XXXX I was able to talk to a human they put me through different people and finally their agent said we sent you a notice on email to submit documents. Strangely, that doesnt show up in the app nor was it posted on snail mail but the agent asked me to send documentation over email. I did that right after, and it took them over 3 months to respond with their outcome which is not favorable as they only credited XXXX on XX/XX/XXXX without any explanation for partial credit. 


The services were never delivered to me and there is no reason I shouldnt get the full credit when there is a confirmation from the merchant that they have shut shop and cant mow our lawn!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 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: CA

Complaint narrative:
This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. Experian has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX 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 2024-04-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC.
State: DE

Complaint narrative:
On XX/XX/year> XXXX refunded XXXX payments back to my utility spending account. 
The funds did not get returned to this account until XX/XX/year>. I request a written letter of responsibility in regards to thirty party vendor XXXX XXXX XXXX on exactly how and why this mistake happen also Senator XXXX XXXX 's office will be requesting this also. 
Please send this letter to me by XXXX so it can be tracked to make sure I get this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: CO

Complaint narrative:
I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : XXXX = XXXX, XXXX = XXXX, Experian = XXXX High Balance : XXXX {$16000.00}, XXXX {$14000.00}, Experian= {$16000.00} Date Reported : XXXX, XXXX XXXX ExperianXXXX 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 1005 accurate information>

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 2024-04-06 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: CA

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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Unauthorized use /fraud of my credit card for the total amount of {$3700.00}. Transaction dates, as shown on my account statement : XX/XX/XXXX through XX/XX/XXXX. 
All transactions were made out of state ( I live in NY ), and I didn't travel anywhere during that period, and physically had the card with me.

Once I received my monthly account statement, I disputed the charges and the fraud case was open with the company ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I received a letter from Macys Fraud Investigation Department stating that I'm responsible for the charges in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The debt is allegedly for final months rent, or a portion of. The final months rent was paid in full, see attached receipt. 

The third party debt collector, Transworld System , Inc., has reported the collection without making an attempt to contact me. Per my understanding, this is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 

DELETE THE ACCOUNTS BELOW equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was called from a collection agency stating i owe fees from a rented apartment at another state. I told them i have never lived in any other state nor rented an apartment in another state. They said they have my social security number on file, therefore i asked if they have an identification on file to prove it was me which they said they do not. When i asked for the collection to be disputed because it was not mine and i did not rented an apartment and that it was a fraudulent account they denied to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
my name is XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX Tx XXXX my phone number is XXXX my Email address XXXX I get scam through coin base wallet app some one there is mining Pool call XXXX ( XXXX XXXX ) chain Invested almost XXXX XXXXDear user, Due to your cancellation of connection to the XXXX XXXX XXXX Therefore, the release of funds could not be completed. However, XXXX XXXX can exceptionally refund your invested principal amount of XXXX XXXX. But they get steeling other XXXX from me under the Name Of The IRS to pay taxes for me and that message comes from themDear user, I am checking for you, please wait a moment # XXXX XXXX XXXX IRS Official Tax Notice Hello, dear user Your account was not taxed and now it has been verified for you that the total amount of your withdrawals is XXXX XXXX You have reached the taxable amount and your Defi account is subject to 30 % tax. 
Please remit the tax to the currency wallet address of XXXX XXXX regulated by the XXXX XXXX XXXX XXXX XXXX before XXXX EST on XX/XX/year>. 
The amount of the tax. XXXX XXXX  If you do not pay the tax in time, your XXXX XXXX will be affected, a late fee of XXXX XXXX  of the total amount of your account will be charged every day, and you will be held legally liable for tax evasion. 
Tax address XXXX XXXX XXXX XXXX After paying the tax, please submit the payment details to the online customer and after I pay them they asked for more money in that message our withdrawal has been completed and XXXX XXXX has reached your wallet. 
As the withdrawal amount exceeds XXXX XXXX, the blockchain has frozen your funds as a backup, if you want to unfreeze it, you need to pay XXXX XXXX of the funds as a guarantee, the total amount is : XXXX XXXX 
Payment addressXXXX Please complete the payment before XXXX EST on XX/XX/year>, and the payment will be verified and unfrozen afterwards. Once the time has passed, the funds will not be unfrozen and you will be blacklisted as a defaulter by all banks and credit institutions and handed over to federal investigative agencies. 
Please read the above notice in detail to avoid unnecessary misunderstandings Thank you for your and until now I didnt get anything from please I need your help and stopped theses people stealing money Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX and XXXX violated the law when they allowed information about my private business to be report to my consumer report. 
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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-06 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint ( XXXX ) to Citibank , N.A . ( XXXX XXXX, Regulatory Complaint Specialist responded ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX responded ) to have a CitiBank N.A. account ending in XXXX removed from my credit file. XXXX XXXX  XXXX and XXXX XXXX XXXX filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( CitiBank , N.A . ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit XXXX They could not validate that the account belonged to me. On XX/XX/XXXX XXXX XXXX  XXXX and Citibank stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit XXXX CitiBank N.A. refuses to remove this account from my credit file and it has caused me a Commercial Injury.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not authorize this company to run my credit. It was done so fraudulently. The companies were notified of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inqu that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of the Fair Reporting Act Section 1681b ( c ) and a serious breach of my priva rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these acce bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that fraudulent inquiries be immediately deleted from the credit file the maintain under my Social Security number. 

Please note that you have 30 days to complete this investatief the Fair Credit Reporting Act section 611. 

My contact information is as follows : Your Name ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
as of this date i have not any documentation or evidence validating the existence or legetimacy of the alleged dedt 15u.s.c 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, TransUnion and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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