vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting a late payment on my credit report for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only one who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: IL

Complaint narrative:
I have disputed a bankruptcy with XXXX and Equifax twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. XXXX and Equifax is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as XXXX and Equifax is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
To whom it may concern I contacted Trans Union, XXXX and XXXX regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, Trans Union, or XXXX did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, Trans Union , XXXX fail to uphold the FCRA and confirm the validity of this account

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
To whom it may concern I contacted XXXX XXXX, Equifax and XXXX regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. Equifax, XXXX XXXX, or XXXX did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and Equifax, XXXX XXXX XXXX XXXX fail to uphold the FCRA and confirm the validity of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Kikoff Inc.
State: MI

Complaint narrative:
Message from Kikoff related to your Claim with XXXX XXXX We received a dispute from you on XX/XX/2022 totaling {$200.00} for the following transaction. 

Unfortunately they haven't responded or done anything to address the this dispute. 

THE TIME FRAME OF 2 COMPLETE BILLING CYCLES WAS ON XXXX I've called over and over and even when I tell them that the FTC has federal regulations about this and that they're in violation of it. They still don't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I mistakenly gave my debit card number to a spammer. I had called the XXXX # on the back of an XXXXXXXX XXXX card that was a few years old. I reported to XXXX that the number now goes to a spammer and they told me that I should have used the new card that came in the mail. They should make sure the old toll free number is not available for use by another entity. I reported it, but they did nothing to close down that number. As soon as I hung up the phone, I realized that the person was a scammer. I called Citibank and cancelled the debit card number and they sent me a new card. 
Same day as I gave out the original debit card number to a scammer, XX/XX/2023, and I reported it to the bank,, they paid the {$3.00} to the scammer, they claim using the new debit card number. It's not possible that the scammer had the new debit card number as I gave it to no one and I cancelled my old debit card as soon as I hung up from the call with the scammer. When I was still able to access my checking account via the Citibank XXXX, it showed the charge of {$3.00} as pending. The telephone agent said it was paid using the new debit card number. 

Now Citibank has cancelled my new debit card and claims to be sending me a XXXX  new one. 
I am trying to log on to my online account through the Citibank XXXX  and it shows an error when I enter my password. I am sure the password is correct. 
I am reporting XXXX for leaving an old toll free number available to others. 
I am also reporting that CITIBANK has frozen my online banking and they paid {$3.00} to a spammer using my new debit card number on the same day that I cancelled my old debit card.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2023-02-07 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: SC

Complaint narrative:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX  bank account should be removed has been on there for over seven years.

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 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting a late payment on my credit report for the month of XX/XX/2022 on a XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only XXXX who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA

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 2023-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting a late payment on my credit report for the month of XX/XX/2022 on a XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only XXXX who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Yesterday my account was fine and as soon as I wake up in the morning I received a notification from bank of America that my account is on - $ $ $ They charged me for all monthly fees starting since XX/XX/2022 even my account is on a meet required minimum balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX fraudulent charges totaling over {$1400.00} in minutes over night wrongfully utilized in XXXX XXXX XXXX I was not notified of suspicious transactions. I woke up to a push notification that I had less than {$20.00} in my account. Called card immediately, emailed the places in XXXX, report with police, report with sheriff dept, emailed internet crime complaint center ( XXXX ), faxed XXXX different dates, from XXXX to XXXX, to the card company, found out over a month later after getting different stories from different customer service representatives that I was getting a full refund on this date and then that date, I was getting the run around for 2 months My fraud case had been closed in early XXXX. I was never notified my fraud case was closed. My case was closed due to a partial refund from XXXX of the companies ( I think because all the transactions happened soo fast that XXXX company wasn't able to get the full amount out of my account ) I believe this was an inside job of this card company.

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 2023-02-07 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: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY in the amount of {$300.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$630.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$650.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Difficulty filing a dispute online with Trans Union they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT 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