vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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:
In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX  has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.

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 2023-03-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2023-03-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX DPT EDXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I need the Consumer protection board to intervene with Citibank. 

On XX/XX/XXXX, Citibank clawed back funds from my checking account for a check I deposited In XXXX of XXXX for the amount of {$2000.00}. Citibank also identified 3 more checks of {$2000.00} that were deposited last year they now consider suspect. They plan to return these additional checks to the drawer as soon as my account is funded. The bank did not supply me any explanation as to why they are returning the funds to the drawer after 5 months or why the checks are suspect. 

Because Citibank is debiting my account these large amounts, My ACCOUNT IS NOW OVERDRAWN AND MY MONTHLY BILLS ARE NOT GETTING PAID. 
Citibank is taking XXXX of XXXX from my account and refusing to explain why. 
For several weeks I have been contacting Citibank in order for them to verify why these checks were returned. I have spoken to Citibank customer service. I have spoken to supervisors in customer service. During this time, I have been told repeatedly that an explanation for why the checks were returned would be forthcoming. This has not happened. Despite being promised that an e-mail explaining why these checks are being returned would be sent to me, no e-mail has been received and no explanation for the checks being returned has been supplied. I need a document to provide to my attorneys, explaining why Citibank started returning these deposits that were made and credited to my account 5 months ago. 
I received 2 vague documents from Citibank with check images and a separate letter stating check # was inadvertently deposited on XX/XX/XXXX. There is no explanation of what inadvertently deposited means. Furthermore, the checks were not in inadvertently deposited they were deposited at the instruction of a branch manager in XXXX XXXX, NJ. 
Citibank has now stated that a number of other checks were inadvertently deposited. There is no explanation for what inadvertently deposited means and it appears they intend to take {$10000.00} from my account with no clear explanation as to why. 
The explanation and documentation I need that describes why my bank account was debited has not been forthcoming although it was promised several times. I am entitled by law to an explanation from them and was promised has been stonewalled by Citibank. 
Instead of providing me the document I have been demanding daily and for last 2 weeks, Citibank is now calling me to collect more funds and return them to the drawer.

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 2023-03-02 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: MS

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX** Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-03-02 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: MS

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX**** Account Name : XXXX Account Number:XXXX** Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-03-02 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: MO

Complaint narrative:
Hello. I have XXXX issues. I had a credit card with XXXX XXXX XXXX XXXX. My credit card was canceled without warning because I was a little over XXXX  days late on a separate loan. These are XXXX separate accounts, I feel that that excuse to cancel my credit card isn't valid. 
XXXX. After that credit card was canceled I was late making a payment of {$40.00} to pay off that card and XXXX  dinged my FICO score by almost 50 points for a missed {$40.00} payment. This seems really excessive. My score only increases by a few points for on time payments. Please help me to understand if this correct practices or not.

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 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I lived at an apartment complex in 2019 in XXXX Washington and moved out at the end of the year. When I left I was given a balance statement showing my balance as paid in full and my refund coming. At no point did I receive any contact from their management office about a balance owing and only heard so when I pulled my credit report and saw an item for {$6000.00} from a debt collector. I reached out to the collector directly and they couldn't understand why an individual would be demanding about having an erroneous item removed from their credit report but, I was in fact and let them know I'd also been a victim of identity theft. They let me know this was not that but that the management office sent them a balance/invoice showing I owed them a " returned sum '' that was sent back or revoked. I contacted the management office to learn more about this and they said I had a 'returned payment '. I asked for detail about this and they shared a balance sheet with me where I highlighted the error in their accounting showing them charging me $ XXXX for a " returned sum '' for a line item that was paid for via Live Check. A Live Check / Money Order can not be " returned '' as the funds in the actual check themselves not like with a Debit card or ACH which I have on the statement as well and you can see the difference. I asked the manager XXXX XXXX XXXX who shared this about this and she could not explain it at all, I asked to be connected with their Accounting Department to verify this multiple times and they ignored my requests and could never provide any documentation or validation about the line item in question, other than the fact that it is an ERROR and they are ruining my credit over it. The line item in question and the cited payment are highlighted and attached. 

ADDITIONALLY, I reached out to XXXX XXXX XXXX XXXX directly about letting them know about this statement and update, the agent I ( attempted ) to speak with seemed to have difficultly spelling words and understanding complete sentences and was unable to even get to the point in the call where they could ascertain why I was calling- just that they knew they did not have the skills or training to help me and would need to have someone else do so. They said everyone capable at that time was unavailable and they would have to call me back- they did not know when this would be when I asked for a timeline and I never heard from anyone on their team.

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 2023-03-02 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: United Revenue Corporation
State: TX

Complaint narrative:
Please notice, I am the author of this complaint and no 3rd party is acting on my behalf This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Fig Tech Inc.
State: TX

Complaint narrative:
Please notice, I am the author of this complaint and no 3rd party is acting on my behalf This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I'm a XXXX veteran and I'm the only person who get money sent to my account but my wife name is on the account with me. I get va and social security XXXX and they froze my account and took XXXX dollars from my XXXX XXXX moneybto pay for a old debt that belonged to my wife in a previous marriage and caused me to miss my mortgage payment. So now im out money and behind on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items on 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 XXXXXX/XX/XXXXInquiry According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate, complete, and up-to-date. The above-mentioned accounts are not accurate and need to be removed from my credit report. 

The FCRA also states that you must investigate my dispute and respond to me within 30 days of receipt of my dispute letter. If the information is found to be inaccurate, incomplete, or can not be verified, you must remove or correct the information. 

Moreover, the FCRA also requires creditors to report information that is fair, accurate, and substantiated. I believe that the above accounts are in violation of this law, and I demand that they be removed from my credit report immediately. 

Furthermore, the inclusion of inaccurate information on my credit report has caused me a great deal of emotional distress and has affected my ability to obtain credit. I urge you to take immediate action to remove the erroneous information and restore my credit report to an accurate and fair representation of my credit history. 

I look forward to receiving your response to my dispute within the allotted 30 days. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
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 finish 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 In addition, I sent certified letter to credit agency requesting verification and I did not receive a response and would like this removed 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