vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Bank again same time as last year cut my credit card limit by over XXXX XXXX XXXX  within two days of paying it off. I am accountant I use my cards through the year and pay them off during tax season, I have never missed a payment nor been late. I make over XXXX XXXX XXXX XXXX  a year, there is no reason to cut my limit so drastically without any warning and right when I pay it off. This continues to hurt my credit score rating and my life by showing my credit limit needs to be cut when in fact it doesnt.

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 2023-03-15 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: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
Experian 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX None Identity was used to rent an apartment! Breaking the lease & not paying debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Was not notified of investigation status or results
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I am asking you to verify this debt and where it came from and if proven unverifiable please remove this account as soon as possible as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The identity theft started in XX/XX/2022. The person opened a checking account and obtained a unsecure loan of about {$50000.00} in my name. There were other fraudulent bank and credit accounts that were opened. Those banks have agreed it was fraud. Navy Federal Credit Union is the only bank left that is claiming that it is not fraud. I have filed a fraud form with Navy Federal Credit Union. They denied the fraud claim. I then filed an appeal. Navy Federal Credit Union denied the fraud claim again. I stated to them that I did not create the account and I did not serve in the military. To be part of the the Navy Federal Credit Union requires that someone serve. I have filed and submitted a FTC report and police report to Navy Federal Credit Union. I have engaged a law office to help assist in this matter because it is still not resolved.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have a case open with Bank Of America because money was taken from our account in the amount of {$30000.00} on XX/XX/2022 in a form of bill pay payable to an XXXX XXXX account that we do not own. 

Complaint was already filed with CFPB and case is still open because Bank Of America requested more time to file an answer. 
Per the guidance they were only granted 60 days and they are taking almost 90 days. They response is past due. 

We are filing another complaint with the FLORIDA OFFICE OF FINANCIAL REGULATION. 

We are still waiting on their investigation to be completed as it is past due and we expect Bank Of America to reimburse our money back.

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 2023-03-15 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: FL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: First Advantage LNS Inc.
State: SC

Complaint narrative:
I have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~National Credit Aud/First Advantage and~XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX my husband ( XXXX XXXX XXXX and I filed for bankruptcy. We did NOT include our auto loans with Consumer financial and XXXX XXXX in that bankruptcy and payments to both lenders were made outside of our trustee payments directly to the lender. Both loans have been paid in full as of XX/XX/XXXX. We have received both payoff letters and the titles for both vehicles. However, both lenders topped reporting our payments to our credit in XX/XX/XXXX and both lenders have our status listed as " Debt included in or discharged through bankruptcy XXXX XXXX ''. Neither of which is true. When I reached out to XXXX portfolio, they stated that even though the loan was not included and was paid in full, they report it that way because we filed. They refused to update that the account was PAID. When I reached out to XXXX XXXX, they informed me that they had purged our account from their database and therefore could not help me but also stated that they didn't see that the account was 'discharged ' but could not view any other account details. They also refused to update our credit report. This is creating credit issues for us because not only did they stop reporting to our credit in XXXX, which prevents our credit score from improving, but also show that the loans were XXXX. The entire purpose of us not including them in our bankruptcy was to try and preserve our credit by continuing to pay the loans as agreed which we did. Not only did we pay as agreed, but we paid the loans of EARLY! Attached are our bankruptcy docs showing that the loans were NOT included, the payoff letters from both companies, and how they are currently showing on our credit reports. We need to get these updated to be ACCURATE because to lenders, it looks as though we did not pay off these loans and can not get a new car loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp has closed multiple of my accounts for trading bitcoin. I didn't break an guidelines in doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MD

Complaint narrative:
XXXX  original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed 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 explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX  XXXX XXXX. 
Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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