vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Yesterday, XX/XX/2024 I discovered my credit card was not in my wallet. I just used it an hour earlier so I have a very good idea where I lost it. On calling the business they said they had not found my card. So I proceeded to call the number on the back of my wifes card ( XXXX ) to report the card lost or stolen. I have visa card from XXXX issued by CITI bank. 

When I called the number the person who answered said they were going to send me a {$100.00} reward. I thought this was strange, but maybe it had something to do with my XXXX XXXX XXXX on the XXXX  XXXX. I gave her my name and address, She wanted to know my email address. I started getting suspecious and asked if I could report the card missing. She continued to request information. I refused to give it and demanded to report the card missing. I was concerned that someone could be using the card at that very moment. Finally she admitted that I was not talking to CITI bank or to XXXX and gave me a number to call to report the card missing. When I called that number ( XXXX ) it was still not CITI bank or XXXX. I had to use my phone to search for the correct number. 
When I reached a representative to report the card missing I told the representative about the misleading and incorrect phone number on the back of the card. The representative did not know a thing about it. I asked her to report the problem to the management and to fix it. 
When I received an email from XXXX XXXX stating I had a hold on my card I followed the link " Contact Us '' XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX ) in an attempt to inform them of the problem with the phone number on the credit card but the link led to a blank page. 
What bothers me the most about this situation was the deception in the phone number and the possibility of me giving out all sorts of personal information to an agent thinking that I was talking to a trusted business, namely XXXX or CITI, I called what was supposed to be a TRUSTED NUMBER on my credit card! It was actually a phishing scam. 

I want XXXX and CITI bank to send a notice out to everyone who has a credt card notifying them that the phone number on the back of the card is wrong and not to be trusted or used to report a stolen or missing card and they should provide the correct number. 
Furthermore they should be required to inform the cardholder every time that VERY IMPROTENT AND VITAL NUMBER is changed so there will be no confusion in the future about who you are talking to!!!

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 2024-07-23 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: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests for thorough investigations into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-23 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: NJ

Complaint narrative:
I am frustrated and disappointed, my requests to correct inaccuracies on my credit report are consistently ignored, this is an insult to me as a law-abiding citizen and a blatant violation of 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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
I contacted Zarzaur & Schwartz attorney at law collection team on XXXXconcerning a debt that I was paying in their office monthly. I was advised that the debt had turned into a garnishment. I requested the total due and settled paying the account in full on XX/XX/24. XXXX XX/XX/24 I was served by the sheriff of XXXX XXXX with garnishment papers. I contacted the attorney office concerning this matter and was advised someone would call me back. No one ever called back. XXXX wages were garnished on XX/XX/24 even though this account was paid in full. I've contacted the collection team basically everyday inquiring about a release and was advised on several occasion it was mailed on XX/XX/24. My employer has not received it and I've contacted the small claims court in XXXX, AL on several occasions and was advised nothing has been received and that the release can be submitted electronically. On XX/XX/24 I contacted the collection team and again advised the release was mailed XX/XX/24 and I need this information sent to avoid wages been garnished again on my next pay date. A manager by the name of XXXX XXXX contacted me within 5 minutes of the call. I explained the entire situation to him, and he advised there was no record of a release sent and that he would send the supervisor who handles releases an email and he would be in touch with me with updates. I'm getting nowhere with this company. I paid this debt in full and was still garnished. I need someone higher to look into this practice. I need the release garnishment sent to my employer in order to stop further garnishment. I shouldn't have to follow up to request this information as they should know to send a release when an account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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 name : XXXX XXXX XXXX XXXX XXXX, Account name : Dept of ED/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information : Any 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 2024-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, Please fix the reporting of 30 days late in XXXX of XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.

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 2024-07-23 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:
Hello, Please fix the reporting of 30 days late in XXXX of XX/XX/XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
Hello, Please fix the reporting of 30 days late in XXXX of XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.

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 2024-07-23 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

All correspondence should be sent to my attention at the above address.

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 2024-07-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a capitalone card years ago and it was closed and paid off. They have now somehoow to collect on the same debt by garnishing my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions I have called XXXX bank many times about this Home Depot credit card. Ask them information about it. I submitted at dispute on here three times Citibank refuse. to call or give explanation or give information about this account I will have to take legal action against Citibank for fraud if it has been coming to this

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 2024-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
LDVLAW - Lyons , Doughty & Veldhuis P.C/P.A noted an amount from XXXX XXXX that they are demanding payment. I sent a letter requesting verification ( solosuit ) and got back several XXXX XXXX statements in the mail. 

I see problems with these statements : XXXX. The {$40.00} fee is waived for a period that was not for the period noted 2. The APR interest rate changed three times and I did not receive a reason from the XXXX  XXXX for changing ( raising ) the APR ( making it more difficult to pay back ). 
XXXX. I feel XXXX  XXXX purposely made the account more difficult to pay back with the additional fees when they proved they can waive them and the changes in the APR interest without proper paper mailed with notification required by the FDCA. 
XXXX. I feel these amounts should be adjusted and the last months that XXXX XXXX was changing rates without USPS mailed notification should be removed from the debt collection process. 

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 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 explanation