vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-24 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. 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2023-11-24 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: CT

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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my Best Buy CITI credit card ending in XXXX I have a fraud charge from XX/XX/XXXX that I can not get resolved. 
On XX/XX/XXXX I was charged {$860.00} from XXXX XXXX  XXXX, this is a fraud charge and I notified CITI. 
On my XX/XX/XXXX statement the charged appeared and an adjustment of {$860.00} appeared. 
On my XX/XX/XXXX statement {$860.00} appeared as XX/XX/XXXX and {$860.00} appeared as XX/XX/XXXX. 
On my XX/XX/XXXX statement an adjustment appeared for {$860.00}. 
On my XXXX - XXXX statements only interests appears on the {$860.00} I have contracted CITI about every month about this. Everyone that I have talked to agrees that the {$860.00} was not credited back to my account and every time I talk to them they say they need 30 days to resolve it. 

Today XX/XX/XXXX I spoke to XXXX in the fraud department and she agrees that the {$860.00} was not credited back to my account and she opened up another investigation and wants 30 - 40 days to resolve the issue. I told her this has been going on since XX/XX/XXXX and that time period is unacceptable. 

I am hoping that you can help with this matter.

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 2023-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
OnXX/XX/XXXX, I sent the following message to MOHELA, and as ofXX/XX/XXXX, MOHELA has not responded to my request for information : " Hello, I received conflicting information from MOHELA about the status of my repayment. I got a letter in the mail on XX/XX/, which said my repayment under XXXX was correctly recalculated to {$200.00} and my initial repayment was due on XX/XX/ Also, under my online PSLF payment tracker it shows that XX/XX/ was not an eligible month that counts toward my PSLF payment count. 

However, my online account has this message posted by MOHELA : 'We are in the process of updating your account. For some or all of your loans, you will not be due for payment until afteXXXX XXXX XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/. The months from XXXX through XXXX XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness [ PSLF ], assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. ' I need clarification on whether my initial repayment of {$200.00} is due on XX/XX/, or whether my repayment will not start until after XX/XX/. And please confirm that all months from XX/XX/ through XXXX XXXX  will count toward PSLF. Thank you. 

Sincerely, [ XXXX and XXXX XXXX ] ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
ATM did not dispense full amount and cashapp approved my dispute than changed there mind and took all funds out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CT

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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reiterating my concern with EXPERIAN through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, EXPERIAN maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 

The investigation period has extended beyond 30 days, during which EXPERIAN claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 

I am reaching out once more in the hope that EXPERIAN can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that EXPERIAN will uphold its commitment to maintaining the integrity of the credit information it provides.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I made a payment of {$110.00} on XX/XX/2023. Received an alert for fraudulent activity triggered by the payment. I called the fraud department to lift the hold and was told that I first needed to verify that I own the payor account. When I asked why they refused to provide the reason for the fraud hold. Even after verifying credit card and identification information for their security protocols. For context I have used the same payor account for the same card through the mobile app without changes for over 2 years. I am also legally entitled to any relevant account information. They are withholding information that I'm legally entitled to while demanding verification for a payment method I've used for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Twice now, CBE group has attempted to collect on a debt that is not mine, for XXXX XXXX. 

I have already proven that I did not have a XXXX account before XX/XX/2023 ; I used a fiber service for around 4 years prior and before then, I lived in a building that was pre-wired and included Internet service. Before then, I lived in a different state with a completely different cable service. 

Keep in mind that I can prove this beyond the shadow of a reasonable doubt, using receipts from my fiber service and my lease from my previous apartment, with Internet services included. This is not a fight that can be won by CBE. 

Not only is the account fake, CBE mailed me a document with a fake account number that does not pull up any account belonging to me upon calling XXXX this morning. 

This is not some honest mistake, this is intentional fraud and attempted theft on the part of CBE and I intend to sue them in small claims court for maliciously damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NY

Complaint narrative:
I made a deposit a while ago and somehow the check bounced and US Bank placed a hold on my account with out telling me anything. 
In the mean time i transferred in funds which they eagerly accepted. I treid to transfer funds from one account to the other and they did not let me do it so I called in and they said my account is restricted already for 10 days with out notifying me and they emailed a department that will reach out to me when they seem fit and the hung up!!!!!!!!!! 
See other users issues as well here https : 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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character.

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with Experian, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I made a deposit on XX/XX/23 at XXXX XXXX in the amount of XXXX. There were XXXX tellers and XXXX person behind the teller line watching. I was at the teller who had a mask on. She asked if I wanted to cash the check. They told me before that I couldn't do that. I said I'll make a deposit. She would not tell me when it would be available. My receipt shows the deposit amount correctly it shows credit pending posts on XX/XX/23. Available now is XXXX available balance is XXXX. Now it shows online my money is not available until XX/XX/23. I asked the teller with the mask on if the reason for the mask was a personal decision. She said yes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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