vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ( spouse, joint account ) received email from Citibank Costco credit card. Wanted to review recent suspicious activity. Responded to email and also called the bank. Card was cancelled. XX/XX/XXXX XXXX received call from a Citibank number XXXX. Person on phone identified himself as an employee from Citibank fraud dept and was on a recorded line. During conversation he mentioned XXXX  at Citibank for XXXX years. He needed the code to stop the fraudulent activity that was associated with account. Code was given and stated our account would not be accessible until XXXX the next morning. On XX/XX/XXXX XXXX discovered all XXXX accounts ( business checking, personal checking, and savings ) were depleted, a total of {$130000.00}, plus fees ). The money was wired to XXXX different accounts under XXXX names. These transactions were made without our knowledge. Citibank allowed all our money to be suspiciously transferred without an alert or notification to us. XXXX has been with Citibank for XXXX years. This activity was not normal for us should have been recognized and the fraud stopped immediately. We are distraught.

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 2023-12-18 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: MI

Complaint narrative:
INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXX /COMPANY THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently pulled my XXXX reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for Capital one acct # XXXX I requested that XXXX investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account capital one credit card has not been properly verified. Please delete this account Capital one credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: CA

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to Security Credit Services on XX/XX/16 and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. Security Credit Services adds the account back to every credit bureau. Ive provided this information by mail but Security Credit Services continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/XXXX and their address is XXXX XXXX XXXX, XXXX, MS , XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices 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 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lewis, McDonnell & Associates
State: NV

Complaint narrative:
I have not received requested validation information from this consumer - XXXX XXXX XXXX XXXX Account Number XXXX via mail or electronically. They are in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
When I graduated in XX/XX/2020, I did not receive my diploma. I would call the school and they said they couldn't find records of me when I JUST graduated. Then time passed and with covid I was trying to get a job since I finished and could not be hired anywhere. The school promises a job when you graduate so I would call to see why they could not hold their end of the deal and they shut me out and said I had to re enter and do my classes ALL over again. My loans were forgiven and I had them disputed but recently they showed up again and I'm fighting my case because I could not use my degree since I have no diploma of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Property fees were due for a property I have never lived at. Criminal took my social and dob and used it to obtain a residence. He also purchased 3 vehicles and 2 cell phones under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports transunion, XXXX, and XXXX my credit score dropped from mid XXXX 's to low XXXX 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

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 2023-12-18 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: FL

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  XXXX ACCOUNT NUMBER : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  account # XXXX Account name : XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : 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 2023-12-19 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: LA

Complaint narrative:
There are accounts reporting on my consumer credit report with different amounts and different open dates from the other agencies that are reporting those same accounts. XXXX isn't reporting any of the accounts that the other 3rd parties are reporting and those are violations and must be removed immediately according to congress and federal law 15 USC 1681. Not only are they violations according to congress but I've been violated and I've also been denied for things that I've apply for, I've been humiliated and denied my rights to privacy when congress put it in writing and a consumer also has the right opt out of 3rd party affiliates as yourself, I feel my life is in danger because of your agency reporting my nonpublic information to the public without my permission or my written consent. 
15 USC 6802 and 16 CFR 313 explains the privacy of a consumer financial information and explains that a financial institution may not directly or through any affiliate disclose to a nonaffiliated 3rd party ( XXXX, XXXX, Transunion, and XXXX XXXX ) any nonpublic personal Information and if so, that is also a violation, and the consumer can be compensated {$1000.00} or more each month the consumer 's nonpublic information was reported. I will provide a copy of my consumer report, my opt out letter, the Privacy act of 1974 EXPLAING CONSUMERS RIGHTS TO PRIVACY, OPT OUT RIGHTS AND THE PUBLICATION 4681 CERIFICATE OF INDEBTNESS which explains what a charge offs is and the reason it is not supposed to be on a consumer 's report, a list of the items that I would like removed immediately, also all addresses except XXXX XXXX XXXX XXXX  la XXXX because the other addresses are not mailable addresses.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX For 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 2023-12-18 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: CA

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 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:
There a fraudulent account 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 explanation
Consumer complaint received 2023-12-18 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: PA

Complaint narrative:
There a fraudulent account in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
LoanDepot charged for insurance for XX/XX/XXXX to XX/XX/XXXX. Proof of insurance was provided via email on XX/XX/XXXX. A partial amount of XXXX was refunded on XX/XX/XXXX but remaining amount of XXXX was not refunded till XX/XX/XXXX. This company kept money for no reason and did not provide any explanation. See document XXXX Also insurance purchased back in XX/XX/XXXX has not been refunded even when insurace company provided an invoice to them in XX/XX/XXXX ( see page 7 of document XXXX ). The invoice was sent directly to loandepot which they did not pay and purchased their own insurance. 


Company has been sending letters saying address is not correct on the insurance policy but they have an error in their systems where address is being truncated due to 30 character limit. they are also threating purchase of insurance due to this address issue. This is a deceptive practice. Company is also not paying the insurance company directly and has never paid them- they are not honoring the committments of the escrow account. they automatically purchase third party insurance routinely. Attaching insurance policy provided to them in XXXX which has correct property addess ( Page 5 ). - document XXXX Recently letter were received again saying property address is incorrect and notice that insurance will be purchased for me even after providing proof of insurance w correct address. See document XXXX

Company response to consumer: Closed with explanation