vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a case last year with the CFPB indicating that Citi had incorrectly marked an account as in bankruptcy. I provided a letter from Citi showing their intent to correct the problem however the problem still stands and is still incorrectly reporting.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial
State: NJ

Complaint narrative:
My identify has been stolen 3 times now last month my bank sent a letter saying that my info was stolen. I Never had anything to do with this company and its getting very stressful. Its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I CALLED XXXX AND XXXX. THIS IS BY FAR THE WORST BANK WITH MANY UNSOUND BUSINESS PRACTICES. I WAS REPORTED LATE. MY CREDIT WAS PULLED WITHOUT MY AUTHORIZATION XXXX. WHY WOULD I APPLY FOR NEW CREDIT. I EMAILED XXXX ALL MY EVIDENCE. 
I AM GOING IN FOR XXXX DUE TO A FALL IN XXXX AT THE XXXX  I OWN WHICH IS ON THE MARKET FOR SALE. I AM ON LEAVE FROM WORK DUE TO MY INJURY. I HAVE CALLED FOR MANY MONTHS WITH XXXX ASSITANCE. 
DEALING WITH THESE PEOPLE FRANKLY IS DANGEROUS AND THE XXXX SHOULD PUT THIS BANK OUT OF BUSINESS. I REQUESTED A FOREBEARANCE, LOWER MY INTEREST RATE. I NEED ASSITANCE UNDER 12 MONTHS. REPORTING ME LATE WHEN I MADE A PAYEMNT ON TIME. I HAVE VERY LEGITIMATE HARDSHIP. I HAD TO PAY HIGH LITIGATION FEES DUE TO MY XXXX NEGLIENCE AND THIS IS PUBLIC RECORD. I HAVE BEEN TRYING TO SELL MY UNIT AND BY NO FAULT OF MY OWN THE BUILDING DID NOT PASS INSPECTION. I HAD NO CHOICE TO XXXX. 
DEALING WITH CITIZENS BANK IS HORRIFIC, DANGEROUS, RISK FACTOR, UNSOUND BUSINESS PRACTICES. THE TATITICS IS UNACCEPTABLE. 
NOW, I HAVE TO HIRE AN ATTORNEY FOR THIS ACCOUNT TO GO INTO LEGAL ARBITRATION. XXXX XXXX HAS BEEN CONTACTED. I WAS FLAGGED AS 30 DAYS LATE. I HAVE ALL MY UNDISPUTED EVIDENCE OF NAMES, DATES, TIMES WHO I SPOKE TO, WHAT WAS SUBMITTED. THIS WILL GO TO XXXX XXXX AND OTHER INDIVIDUALS AT CITIZENS BANK. THIS BANK IS VERY UNSTABLE AND HOW IS IT POSSIBLE THE CFPB OR XXXX HAS DONE NOTHING TO CORRECT THESE DANGEROUS BUSINESS PRACTICES. I AM AWARE I OWE THE DEBT. I NEED ASSITANCE FOR VERY GOOD REASON AND THE DISCRIMINATION AMONGST OTHER TATITCS WHICH ARE NOT LEGAL WILL BE HANDLE, THE FUNDS I HAD WENT TO LAWYER SINCE CITIZENS UNSOUND BUSINESS PRACTICES FORCED ME NO OTHER CHOICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
The original loan was with US Auto, I had the loan and had been paying it since XXXX of XXXX to US Auto, one morning in XXXX of XXXX, I woke up to my vehicle being pulled off by a tow truck. Apparently my auto loan had been sold to westlake Portfolio MGM and I was not made aware of this by US Auto. When I researched further is when I found out. When I went to retrieve my belongings out of my vehicle, they tow yard explained what had been occurring because my vehicle was not the only. I had no communication with Westlake Portfolio nor did I sign any paperwork for them. Nor have I given them permission to have any communications with me. So according to 15 U.S. Code 1692 c, they should not be reporting on my credit report and I want it removed.

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 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a mortgage with XXXX and sold the home in XXXX. 
I never received a 1098 and paid close to {$3500.00} in interest to XXXX. 
I have been calling them since XX/XX/XXXX, messaging on app, went to bank branch. 
I am told the " fullfillment department '' can only mail the form and each time i am told i can call back if i have not received the 1098 in XXXX  days. 

when i call back, the reason i have not received it is blamed on the post office or i am told there is no record of the request.

I have a copy of the message in the app from XX/XX/XXXX with " XXXX ''. 
I can not do my taxes without the form. the tax professional will not record the deduction without documentation and it reprsents a substantial refund for me. I am not allowed to talk with the department directly. Going to the branch or repeatedly calling and speaking with customer reps does not produce the form. 

The bank Should have sent the 1098 with the payoff letter/notice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates
State: VT

Complaint narrative:
OnXX/XX/XXXX the Stafford group contacted a family member again. This after they have previously responded to my last complaint to stop communications.

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 2024-05-01 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: MD

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 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 informationisinaccurate.

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 2024-05-01 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: MD

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 unde

r 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 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I have written multiple times to Equifax to remove a medical account " Ref # XXXX {$800.00} balance unpaid medical account '' - listed on my report and it is not my account. Also I have never signed any HIPAA form authorizing the release of any medical info to anyone. 

They are violating my personal privacy and this has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am reporting complaint due to the loss of my wallet at XXXX XXXX XXXX XXXX in 2017. Since then, my identity has been compromised, leading to unauthorized credit card usage and debt accumulation under my name with this company in particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from XXXX, Equifax, and XXXX for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB 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 2024-05-01 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: V and H Portfolio
State: FL

Complaint narrative:
I have no knowledge of these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged, Debt nor therefore any such debt in fact exist 1 ) I demand validation of the alleged debt 2 ) I demand the methods used to validate the alleged debt 3 ) I demand a copy of the alleged original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

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 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit report for XXXX, I have two inquiries that I did not do. One from XXXX and one from XXXX. Both are from XXXX. I wrote them letters twice, they were both sent back to me saying return to sender. I have called them on several occasions and they said they have no knowledge of these inquiries. However they will not remove them from my credit.

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 2024-05-01 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: MI

Complaint narrative:
I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : Accounts : 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  PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.

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 2024-05-01 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:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief