vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I had a XXXX account back in XXXX but I closed the account and switched to XXXX on XX/XX/XXXX. I sent letters and called XXXX ( XXXX ) to let them know I was receiving emails from XX/XX/XXXX to XXXX of XXXX. When I went inside the store in person I was told they couldn't help me because I didn't have the pin even though in showed them my license and gave them my ssn. Now I'm receiving a collection notice XX/XX/XXXX. I reached out to the collection agency and sent letters to dispute but they're only looking at when I first opened the account and ignoring the fact that I closed my account. I tried desperately to get information on this because I know this is fraud and XXXX is trying to cover it up. They should be able to see the card information on file, address used and etc to see if matches my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NC

Complaint narrative:
Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX  XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.

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 2022-12-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX I contacted Experian about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXXXXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
Theres a few things a few banks I have issues with that Ive had problems with US Bank and XXXX XXXXXXXX XXXX, as well as union bank in California. XXXX XXXX another one. Tell this year is Ive been trying to receive my money from the XXXX  as well the XXXX XXXX XXXX they deliver their money to their banks or their establishing, and stay on, but I never seen to receive it especially with XXXX XXXX I can give me long list and insists and I dont have exactly what you guys want for me to show you but I have proof if you could get hold of me and I want see if I can resolve this I just want my money that I work for XXXX is another. How do you want that I need to check into it so Im going to others and ever receive my money for my customers to pay me houses in some kind of problems going on with something in the middle of in between pocket so I figured I was I was a victim is it that that is the reason. Im just tired of not exceing the money the mu I said to pay for have a ride services. As far as my customers go out I do great job I havent received one paint I think someone see if you could look into his XXXX XXXX  as well

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 2022-12-01 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX 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 2022-12-01 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the FCR BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an XXXX LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.

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 2022-12-01 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: IA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the FCR BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an XXXX LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, XXXX & Transunion being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted XXXX & TransUnion via phone on XXXX XXXX and stated this matter, XXXX Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. TransUnion Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with XXXX on XX/XX/2022. XXXX stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from XXXX stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).

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 2022-12-01 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-01 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: TX

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2022-12-01 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: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I owed Military Star ( EXCHANGE ) over {$8000.00} about XXXX I had not been able to pay because I lost my job house, went through a divorce on ; y SS benefits, began working called made a payment arrangement. I was advised to pay {$770.00}. before XX/XX/XXXX and made a payment arrangement with the company ( Exchange ) to pay {$200.00}. each month. I paid the {$770.00} on XX/XX/XXXX, XXXX I sent XXXX,. XXXX {$200.00}. to the ( Exchange ) company. The ( Exchange ) company turned the account over to a collection agency without sending them proof of the {$1100.00} payments that had been received or the agreement I paid. When I was contacted by letter I was asked to send proof of the payments made from XXXX thru XXXX I faxed the info over to ( XXXX ) the collection agency for Military Star Exchange. Last month the rep at Military Exchange sent to the Treasury a offset of my social security and now my retirement benefits. When the letter was received from them ( Exchange in XXXX the balance was over {$9500.00} or a little more. however when they reported it now over XXXX. The company ( XXXX ) referred me back to military exchange because nothing is being reported as paid to the credit bureaus as payments or received. I kept my end of the paying agreement however the Military Exchange started an offset I am unable to reach anyone at the IRS to speak about the offset. I agree the debt is mine but the balance is not correct and why I cant get answers about the account the collection agency was not aware payment had been made. Please help if they are taking the offset why did they make the payment arrangements. I would like payments received reported to the credit bureau with my explanations. I would like the balances corrected and for them to send me an audit of the account because it clearly is incorrect. It cant be legal to offset and collect payments from the debtor. XXXX is the collection agency for the Military Exchange I can fax in Proof of the letter I received regarding the balance and receipts of postal money orders paid to the Military Exchange Respectfully 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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, Equifax XXXX XXXX being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted Equifax XXXX XXXX via phone on XXXX XXXX and stated this matter, Equifax Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. XXXX Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with Equifax on XX/XX/2022. Equifax stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from Equifax stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.

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