vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
Information is not correct and is being reported wrongly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Information is not correct and is being reported wrongly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I called Citi Bank on XX/XX/2023 about my direct deposit and they told me that I would not get deposited into the account cause it's in the process of closure and that the acount is blocked from all deposits and auto pay withdrawals well then I called them again on the XXXX of XXXX because my direct deposit still as not went back to my employer yet and I finally got someone there to tell me when it was rejected and all that. They told me that it can't go through it was already rejected from my account and that it will be sent back to my employer and that it takes 2 to 3 days to send back to my employer. IT IS ALL ON RECORDING TOO JUST SO U KNOW EVERY CALL I MADE TO THEM IS RECORDED.Well as of this morning on XX/XX/XXXX I got an alert from Citi bank cause my alerts are still on with them I guess but I got an alert saying there was XXXX dollars in my account now. When they actually blocked my account and I had no access to anything on the Citi mobile app or the website and when they closed my account there was XXXX dollars in there and on the XX/XX/XXXX I got an alert for that amount of XXXX dollars..so that means they deposited my paycheck after they told me twice that it got rejected and that it can't be deposited into my account cause the account has a block on any incoming deposits or pay withdrawals. So now I'm not going to get my paycheck for this pay period cause they tell me that anything that is in my account I have to wait 30 to 60 days for the letter they send out to me to receive my funds in that account and I have bills to pay I have an XXXX XXXX XXXX XXXX  to take care of and all that and they took my money from me and I'm very very upset about this. Please do something ASAP PLEASE PLEASE PLEASE

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 2023-01-29 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:
Negative inquiries and charge off should have been removed

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 2023-01-29 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:
Negative inquiries and charge off should have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a call last Sunday, XX/XX/2023 at XXXX XXXX. I received a call today Sunday XX/XX/2023 at XXXX. I don't answer numbers I'm not expecting or numbers I don't recognize. Especially on Sundays. Even more suspicious a voicemail wasn't left explaining reasons for the call. 
I believe because of my age XXXX XXXX XXXX, they think I can be easily scammed. Please help stop these unwanted, annoying calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
I opened a Credit card on XX/XX/2013, the company name is Discovery Bank they failed to comply with Consumer Laws and has the account shown as a Charge -off which charge off is a canceled debt so it shouldn't be on my credit profile did not send me a 1099c form. I sent them a charge-off letter all they sent me is the receipt it is also outdated which makes it inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: 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. 

Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. These are clear violations of my federally protected consumer rights. 

Delete inaccurate accounts, delete inaccurate personal information and I want {$1000.00} per violation.

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 2023-01-29 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:
XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. These are clear violations of my federally protected consumer rights. 

Delete inaccurate accounts, delete inaccurate personal information and I want {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems XXXX XXXX XXXX am writing to dispute an inaccurate collection listed on my credit report with XXXX, XXXX, and XXXX. The collection is from Jefferson Capital Systems XXXX in the amount of {$11000.00} and is dated XX/XX/2020 I am requesting that you immediately remove this inaccurate collection from my credit report. I am a victim of identity theft and this collection is not mine. I have included evidence of my identity theft, as outlined in the Fair Credit Reporting Act. 

I am also requesting that you provide verification of this debt that you are reporting to the credit bureaus. 

Please provide me with written confirmation that you have removed this collection from my credit report within 30 days of this dispute letter. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Capio Partners, LLC
State: NY

Complaint narrative:
Derogatory credit reporting was submitted by AssetCare, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$990.00} and {$640.00}. I have never had an account with AssetCare. Despite my father requesting information from them, these accounts have never been substantiated. Out of network charges are never approved and I am fully insured and covered under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
the credit bureaus Equifax, XXXX, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX XXXX # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED 5.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX 1.MY NAME IS XXXX XXXX XXXX NOT SR THIS NEEDS TO BE FIX 2XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS XXXX BE DELETED OFF MY REPORT 3.XXXX  XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT XXXX  XXXX ME THIS IS FRAUD THIS NEEDS TO BE DELETED 2. XXXX  XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS 3. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX  XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED FACTUAL DATA XXXX XXXX NEEDS TO BE DELETED EQUIFAX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX  DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened a XXXX XXXX XXXX account. Once I received the card I was unable to activate it. They kept saying account not found. Once I spoke to their credit department, they stated they could see my application and that it was approved. They advised me to go into the store and use the account and then it will be activated. I did that and after several weeks they were still unable to locate my account. After 3 weeks, I received a bill in the mail. Once again I called to locate my account as I only had 1 week to make a payment. They were still unable to locate my account. I had a bill in front of me, an account number and no one who would help me make a payment in the account. I feel like I am being scammed and about to get hit with late fees, interest and a ding on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX I have been trouble with Equifax updating my address. I have been able to address this issue with XXXX and XXXX and my address was updated no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I emailed Experian by certified mail twice in early XXXX, 2022 and twice in XXXX, 2022. THAT IS A TOTAL OF 4 TIMES EXPERIAN HAS FAILED TO RESPOND within 30 days. That is illegal and by law all false accounts must be removed. Experian DID NOT RESPOND TO ME 4 TIMES. See enclosures as evidence. 

XXXX XXXX  NOT MY ACCOUNT XXXX XXXX XXXX  NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX- NOT MY ACCOUNT EXPERIAN IS LYING WHEN THEY SAID THEY VERIFIED THINGS PREVIOUSLY BECAUSE I HAVE EVIDENCE, they don't have my proper name : XXXX XXXX ( no middle name ) and are calling me " XXXX XXXX ''. THEY DO NOT VERIFY ACCOUNTS. THEY LIE ABOUT IT. THEY DO NOT RESPOND IN 30 DAYS. By law these false accounts must be removed. 

They ignore me repeatedly which is illegal. THEY HAVE BROKEN THE LAW SEVERAL TIMES BY NOT RESPONDING. THIS FALSE ACCOUNTS HAVE TO GO!

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 2023-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back, don't you guys have 30 days to respond.

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 2023-01-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.

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 2023-01-29 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: I.C. System, Inc.
State: GA

Complaint narrative:
Notice to Intent to I.C System INC, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal 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 explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth attempt to obtain my consumer report from Equifax online through annualcreditreport.com. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer report from Equifiax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account 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 156272 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Department of EducationXXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXX 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: VA

Complaint narrative:
Company abused my reports

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 2023-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was a customer with Wells Fargo from XXXX. Their were issues with my home mortgage and I could never get assistance to keep me from going into Foreclosure although I submitted all the documentation they requested, it kept " getting lost ''. I ended up selling my home in XXXX. 

I also had a checking and savings account with Wells Fargo during this same time period and their were problems with the account all the time.

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