vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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: AL

Complaint narrative:
There are several inquiries that are unauthorized in my credit report, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
I took out a loan with ascend loans in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. On Friday XXXX I got a missed call from ascend loans and on today Sunday XXXX I got an email. I got an email from ascend loans asking if I believe in second chances. The email said ascend loans is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during thanksgiving with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.

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 2024-01-07 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: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting fraudulent found in 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 2024-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX  I received a letter stating that I owed on a student complex called " XXXX '' APARTMENTS out of XXXX, FL saying I owed them nearly {$8000.00} for the lease agreement. I applied to their place of business they approved me and the very next day they denied me I still have all the letters. So I moved on with my life thinking that everything was fine until a year later it showed up on my credit report nobody contacted me since the last time we had spoken the year before. I have called them which is under new management now and nobody has an answer to give. Just takes down my number and say we will have someone contact you. And they never get back. I do not know what conspired I just know it is making it almost impossible to get approved for anywhere to sleep with this issue being unresolved. It is a debt that I do not owe because I didn't create it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Block, Inc.
State: MI

Complaint narrative:
I made a reservation with XXXX on XXXX XXXX to rent a room at XXXX XXXX. I held the XXXX deposit on my Cashapp card. Its a XXXX balance owed. Cashapp is holding my deposit still, despite it being 14 days. I sent them the email holiday inn sent me, and still they refuse to release my XXXX dollars. All they give me is a generic message. I stayed at the same hotel XXXX XXXX XXXX, and placed the deposit on my bank card. I received my funds 2 days after checkout. I have no balance yet they keep responding with cash it, and not returning my funds. Im a single mom and I need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CT

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 1604a section 2 ). it Also, states, a consumer report agency can not furnish an account without my written instruction under 15uscs 1666b a creditor may not treat a late 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 explanation
Consumer complaint received 2024-01-07 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: IL

Complaint narrative:
The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on XXXX, TransUnion, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX XXXXXXXX incorrect opening dates and was removed from XXXX for XXXX reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never late

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 2024-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2024-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

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 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024, I tried to access my Citibank account through making a withdrawal at an ATM. The process was denied by Citibank at their ATM. I tried at a different ATM and again found my accounts locked. 

I investigated on the Citibank website and found no information about my account being locked. I also saw no evidence of any unusual or fraudulent activity on my account. I had received no notifications about suspect activity, no fraud alerts, and no requests for any additional information or explanation about account activity by Citibank. The first time I learned of the problem was when I was not able to access my accounts. 

I called Citibank and was told that my accounts were locked and I could not access my checking or savings accounts. I spoke with " XXXX '' who refused to provide his last name, but he offered that his Citibank ID was " XXXX ''. XXXX told me that the department that had my account locked was Deposit Fraud and that they were closed. I was told that I would have to call back the following Monday to remove the lock. 

XXXX and the Citibank personnel I spoke to refused to unlock my account and to free my funds. They refused to tell me why my funds were locked. They refused to say how long they had been locked. 

I was locked out of my accounts without explanation and without opportunity to correct the issue.

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 2024-01-07 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: AL

Complaint narrative:
There are several unauthorized inquiries on my credit report, please DELETE the following inquires. I did not authorize these inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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

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 2024-01-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, 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

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company is furnishing inaccurate and false information 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 2024-01-07 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX  XXXX XXXX Charge off balance of {$570.00} Date XXXX. 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There is a charge off listed on my credit report for XXXX XXXX, the account was never charged off and is paid in full with good statnding,

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There is a charge off listed on my credit report for XXXX XXXX, the account was never charged off and is paid in full with good statnding,

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 2024-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Veripro Solutions Inc.
State: VA

Complaint narrative:
I agree to settlement amount on a second mortgage and paid it. Now they telling me it take 90 days to send the lien release. I am requesting the Lien Release ASAP since I paid the settlement in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Collection company IC System , Inc. violated two of my consumer rights when they reported a fraudulent collections account to all 3 credit bureaus causing my excellent credit score to drop significantly. IC System XXXX Inc. Collection letter was received on XX/XX/XXXX on behalf of XXXX for {$9800.00}. I sent a dispute letter and on that letter also requested debt validation and details of the account- i.e. when it was created, when it was sent to collections, and an itemized bill for the amount of {$9800.00}. On my dispute letter I also mentioned that I believed the account was a result of ID theft and that I had placed a fraud alert and a freeze with all XXXX credit bureaus. The letter was mailed to IC Systems XXXX IncXXXX on XX/XX/XXXX via certified mail with green card receipt. Also, on XX/XX/XXXX, I placed a Fraud Alert and a freeze on XXXX, XXXX and XXXX on that same phone call I reported to each credit bureau of a fraudulent collections account from XXXX for {$9800.00} and that this was not my debt and also told them I had sent a dispute letter to the collection agency. Collections account was still not showing in all XXXX credit bureaus. I also called my bank and credit cards to alert them of the possible fraud and/or identity theft. On XX/XX/XXXX XXXX and XXXX showed the fraudulent collections account and there was no note that account is under dispute due to fraud. XXXX and XXXX show that the collections account was reported on XX/XX/XXXX. Then on XX/XX/XXXX the fraudulent collections account appeared on XXXX. All 3 of my excellent scores have dropped between XXXX to XXXX points! IC. System , Inc. collection agency violated my rights twice : first, they reported the fraudulent account to the 3 credit bureaus during my 30 day dispute window that ends XX/XX/XXXX and secondly, by not including a note that the account is under dispute due to fraud. I am also yet to receive the documents I requested from the IC System , Inc.

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 2024-01-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I have 2 late payments from XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loan care stated they received mortgage payment XXXX we stated the money was never taken and they in fact noted on the account was paid only to find out they never took the payment til XX/XX/XXXX even though on the system it was paid and noted on the account

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 2024-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation