vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On my credit report there is a collection account from the company sunrise credit service. I am not aware of this debt. This company failed to put me on notice of this debt or my rights to dispute prior to reporting this on my credit. If in fact this company says they put me on notice, I would like them to provide a copy of a certified notice making me aware of this debt and my rights to dispute with my name and signature prior to reporting this to 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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear PayPal, I recently received XXXX mails regarding my dispute. XXXX indicates that my dispute has been resolved, while the other requests irrelevant information. Unlike my experiences with Amazon, my phone service provider, internet service provider, hosting service provider, and many other online service providers, PayPal has compelled me to pay and negatively impacted my credit history over an illegitimate charge. These providers have my card on file but have never charged me for hidden terms, and if an issue arose, they promptly provided a refund without damaging my credit. However, PayPals dispute team forced me to pay {$170.00} to XXXX, damaging my credit score and history in the process. Given that you claim my dispute is resolved, I request a refund of the {$170.00} that your dispute team awarded to XXXX. I also demand to know what measures PayPal has implemented to protect users from fraudulent companies like XXXX in the future. If you are requesting information on who charged my card, it was XXXX. What product or service did XXXX claim I bought or received? I sought to cancel this charge within XXXX minutes of noticing it, yet PayPal failed to prevent this fraudulent transaction. This issue has persisted for XXXX months. Return the {$170.00} to avoid further actions. I did not order any product or service from XXXX. I canceled and disabled my account within their cancellation and refund policy, but XXXX refused to refund me, and PayPal did not stop this fraudulent charge. Please, address this matter urgently and appropriately.

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 2024-07-08 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:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan opened at XXXX XXXX XXXX XX/XX/XXXX. I do not recognize the above mentioned accounts or collections as reported. The above mentioned account and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
this was added to a bankrupt and when i contacted them they said it was in bankrupt however its still showing on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
This is in response to Fair Collections & Outsourcing regarding complaint # XXXX. Fair Collections & Outsourcing mentioned that the account was placed with their office by creditor XXXX XXXX and that the Creditor retains ownership of the account. Lets secure the account under their Reservation or yours. Due to default, the account is lacking respect to material disclosures for a particular transaction permitted by law. Lets make this a Genuinely Exclusive Dealing to establish conformity to take things further for their or your commercial purposes to secure the account for its Nature thats permitted by Law. The Credit report is reflecting a debt, which is a Misrepresentation of the Amount and Nature of the Account. That amount is Unsecured Credit thats ready to be confirmed. Lets secure the transaction with full performance bringing forth security making this effective satisfying any provisions to meet the terms and conditions for use of the existing 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 explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On Monday XX/XX/XXXX, I was informed by my renter trying to XXXX me that citibank XXXX was rejecting the $ XXXX payment. I got an email from Citi saying my online user ID has been blocked for my security and I should speak to Citi. I spoke to Citi that afternoon at XXXX XXXX  for XXXX hour and they said the matter will be resolved in XXXX hours. On Tuesday, XX/XX/XXXX, the renter tried again but again the XXXX  was rejected. I spoke to Citi again for about XXXX hour Tuesday afternoon, and they pointed me to the fraud department. Fraud could not explain to me what was happening and said wait another XXXX hours. On Wednesday XXXX  I spoke to Citi for another hour and my Mom who is a citi XXXX XXXX linked to my account spoke to them for XXXX minutes. They said they can not help me or tell me why but my account has been closed and they can not reopen it. I asked about the final transactions to understand which payments made it out or in including mortgage payment and utility bills. They couldn't give me an answer. I asked about my funds- they said they'll send it to me between 30 to 60 days! If I wanted it sooner, I could visit a branch. The closest branch to me is XXXX hours away, since citi closed many branches over the years. They also told me " thank you for choosing Citi ''. I laughed- you just closed my account without explaining why, please don't say thank you for choosing Citi XXXX I hope no one I know ever chooses Citi! They said " anything else we can help you with? '' I said please give me cash so I could pay my bills and my babysitter! Depending on which transactions went through, there's at least XXXX available, including a direct deposit from my workplace for XXXX on XX/XX/XXXX that citi didn't reject. A week has gone by, an ACH withdrawal dated or XX/XX/XXXX got sent back to me for nonpayment with a {$20.00} surcharge. I am stuck with many bills, no accessible cash and a very unsympathetic and taciturn bank who I loyally entrusted my funds with for 15 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 non-monetary relief
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

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 2024-07-08 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I recently just started checking my credit and notice unfamiliar inquiries on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I recently just started checking my credit and notice unfamiliar inquiries on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX ( XXXX XXXX XXXX XXXX Navy FCU ( Finance ) XX/XX/year> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-08 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Over 5 years ago I got a credit card Double points with Citi. I signed up for the credit under certain conditions and based on those conditions i made my decision to accept this credit card. All was great and this was my favorite XXXX to use over last 5-7 years. I was charged interest after the billing cycle ended. However the XXXX company, Citi changed those conditions this year o a variable type of interest charged per day or so, still feels like a scam the way they charge those interest fees. 
Now with those conditions changed so far after I signed for this XXXX I feel trapped because I could close this XXXX since i don't agree with their change but that will affect my credit score. 
I cant keep this credit card either because with new condition I end up paying huge interest fees. For example, this month i paid my XXXX well in advance before due date by XXXX weeks, yet for XXXX week I was charged XXXX $ in interest with the new variable rates they have and with a total of XXXX $ charged in interest this year alone. I am very responsible with my credit cards and never had such outrageous charges on interest with this XXXX or other XXXX I consider a scam thaT XXXX conditions were changed for existing costumers since i is like a contract and I made the decision o sign up for this CC based on how conditions were at that time. Hope this will end up with a collective law suit, as a costumer XXXX XXXX lied and scammed. I already closed my bank account with this scam company and wish it was as easy to close my XXXX yet will affect my credit score. 
Costumer service is not helpful either as they keep long holds and multiple transfers from agent to agent so the costumer gets tired and quits the call before issue is resolved. 
XXXX. I request to have the interest fee charged for XXXX $ refunded since i have paid my XXXX well in advance by XXXX weeks from the due date. 
XXXX o have XXXX condition changed to how it was when I made the decision to sign up for this XXXX. 
XXXX Recalculate the interest charged for this year to reflect previous conditions- the ones that were in effect when I signed up for this credit 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 2024-07-08 00:00:00
Product: Credit reporting 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Incorrect information on 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