vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : SOUTHWEST CREDIT SYSTEMS Account Number : UNKNOWN THIS 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 also states a consumer reporting agency can not furnish an 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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
this is a fraudulent account opened. Please remove as soon as possible.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They have a collection for XXXX XXXX. I turned in this equipment. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have been fighting a collection on my account for years ; the collection company reporting this incorrect debt is Central State Recovery ( herein " CSR '' ) in XXXX, Kansas ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) Collection representative I've spoken to is XXXX. The amount in question on my credit report states I owe XXXX XXXX XXXX ( herein " XXXX '' ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, KS XXXX ) an amount of {$540.00}. On XX/XX/year>, I requested verbally from CSR ( XXXX ) the number for the original creditor ( CSR provided : XXXX ), an account number ( CSR provided account number XXXX ). 

I then called XXXX and spoke to representative XXXX. XXXX attempted to look up an account using my full name, birthday, social security number, the " account '' number that was provided to me by CSR ( which was not accurate ), and by my phone number, which resulted in nothing coming up in their system of any debt, or patient history. 

I asked XXXX if she would be willing to stay on the call with me which I phoned CSR ( XXXX ) back, so XXXX XXXX XXXX could inform her of this. She agreed and we made contact with XXXX at CSR. 

XXXX and XXXX compared information such as my name spelling, birthday, account number, etc., and still, XXXX from XXXX could find no such account with them for which CSR is attempted to collect from ). 

Once they concluded their conversation, XXXX XXXX up before she would state any type of action or remedy she planned to do in order to remove this illegal debt from my report, for which I have suffered damages for from its listing such as a denied housing application, denied mortgage, denied job application, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-14 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: AZ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2024-03-14 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: AZ

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: UT

Complaint narrative:
I tried again to transfer my money from PNC Bank to my main bank which is XXXX XXXX XXXX XXXX ( XXXX ) and the money was again returned to PNC bank after settling into my account with XXXX. I contacted them again and talked to XXXX XXXX and she offered very little help regarding resolving the issue. With this recall XXXX of my accounts is in a - {$7900.00} and I am now responsible for repayment in 30 days. I sent XXXX a statement from XXXX 2023 from XXXX that showed the money came from my account, but since she could not tell me anything regarding the proof she has or their " research department '' found to say the funds I transferred in are fraudulent, she wouldn't give me other proofs that the money I deposited into that account were legit. One other detail is that No sooner after creating the account with PNC and before I even transferred money in the PNC account, it was frozen or being looked at. This was back in XXXX 2023. I had to get my account unfrozen in order to transfer money into the PNC account. This has gone on long enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
On XX/XX/2024 on a recorded line XXXX XXXX called and spoke to me about a debt. When I told him he was calling my place of employment and to stop he became upset. I asked him multiple times to send me a copy of the bill as I had made payments to the original creditor and I wanted to make sure that was reflected. He then told me he already had a judgement for my husband 's medical debt ( which was a completely different bill and to which my husband had be paying on ) and told me he'd take my paycheck through garnishment. I asked is he was threatening me and he continued to do so. He refused to answer my questions and was very angry. He did file for garnishment on {$500.00} here at my place of employment for the debt my husband was paying on. 

The same day he called I sent a signed letter which I will attach asking him to validate the debt and to not contact me at work again. 

I've since been making regular payments through XXXX to the collection agency. Today on XX/XX/XXXX at XXXX XXXX XXXX called my place of employment, asked for me, gave his name, and then hung up before I could pick up the call. This was also on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My card has been blocked again by the so-called fraud specialists at Citibank. In the past month, I have called hundreds of times, and these people are absolutely insane. They flag my account for every single transaction, every day, so I need to call them for every transaction. I'm so mad...

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year> I made a reservation for myself and my daughter at XXXX XXXX XXXX XXXX Florida, arriving XX/XX/XXXX and departing on XX/XX/XXXX. Our time was to be spent touring colleges. This reservation was made using a combination of my Citi Thank You points and my Citi Credit Card. 

On the morning on XX/XX/XXXX, my daughter became ill, and quickly realized due to a high fever she was unable to travel, at which time I called the Citi Thank You department to notify them and ask what could be done. I was told that they would reach out to their booking partner and would notify the hotel that I needed to cancel. Upon request, I informed them that I did not have medical documentation, being a Sunday and the doctors office being closed. The woman I spoke with was very nice and explained to me, at worst, I would need to pay for one night hotel stay this seemed reasonable. Furthermore, I informed her that I would be happy to reschedule as we would need to make this trip at a later date. 

On XX/XX/XXXX, I reached out to Citi again regarding the status of the refund. I spoke with XXXX. She informed me that, according to their third-party booking partner, I needed approval from the hotel. I immediately called the hotel and left a message for the hotel XXXX ( XXXX ). I never received a call back. 

On XX/XX/XXXX, I called back and reached XXXX. After informing him of the situation, he told me the reservation was non-refundable and there was nothing they could do. Following this conversation, I called Citi Thank You back and spoke with several different people including XXXX, XXXX, and XXXX, all said there was nothing they could do. During my last conversation with XXXX I explained that my receipt ( enclosed ) said, Any cancellation received within 3 days prior to the arrival date will incur a charge of 21 % of the booking value. This is comparable to the one night I was told I would need to pay during my original conversation on XX/XX/year>. She didnt seem to understand the meaning of the word within. Out of frustration, I asked her to transfer me to someone who could help me with cancelling my cards. I then spoke to XXXX, who transferred me to XXXX. XXXX seemed more interested in following protocol for cancelling my cards then helping me with the greater issue. I again asked to speak with his supervisor, I was put on hold and then disconnected.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-03-13 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In 2019 XXXX XXXX XXXX move out doing Covid 19 because house had water issues with property sinking section XXXX tenant. 

I completed a short sale submitted all documents to XXXX XXXX Obudsman email department and requested for Title Company to correct hud XXXX that was submitted to XXXX XXXX by email and never got a clear to close. 

So the buyer went to another deal during XXXX XXXX. People I believed was moved around not in the office at XXXX why never received clear to close. 

I have spoken with XXXX requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the XXXX that was handling the closing can vouch that he faxed what XXXX requested. 

I received a alert from XXXX today that XXXX reported this mortgage XXXX past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that XXXX new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and XXXX and the Investor Chase new about that. 

It made no since for me to redemption of the garage pay taxes when the XXXX XXXX who now own the house the tax buyer did not buy the garage and those taxes were just sold to that XXXX man that came by my house looking for me to help him out. 

I gave him authorization to speak with Chase who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from XXXX nor Chase and I did not want to leave the XXXX  man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now XXXX decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.

Company response to consumer: Closed with explanation