vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: OK

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 XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX states : I have the right to privacy. 

XXXX XXXX XXXX section XXXX section XXXX states : a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency XXXX make any XXXX Report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which anteater the report by XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

XXXX XXXX XXXX ( b ) ( XXXX ) states : A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed XXXX XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection BureauOffice of Complaint ResponseXXXX XXXX XXXX, XXXX XXXX, MD XXXX Spring Oaks Capital [ Spring Oaks Capital XXXX XXXX XXXX XXXX, Va. XXXX ] RE : Dispute of Debt and Cease and DesistAccount Number : [ SPRING OAKS CAPITAL Account # XXXX ] Dear Consumer Financial Protection Bureau and Spring Oaks Capital, I am writing to formally dispute the alleged debt owed to Spring Oaks Capital, as indicated on my account number [ # XXXX ]. I am requesting that Spring Oaks Capital immediatel cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the remova of any information pertaining to this alleged debt from my consumer reports. 
I am requesting a copy of the original purchase agreement for this alleged debt. Please note that mere statements are insufficient evidence of a debt, as outlined in the case of XXXX XXXX XXXX versus XXXX, XXXX XXXX  XXXX. 
I am requesting that Spring Oaks Capital immediately cease and desist all communication with me, including but not limited to telephone calls, mail, and email. This includes the removal of any information pertaining to this alleged debt from my consumer reports. A consumer report is considered a form of communication, and therefore, this cease and desist includes the deletion of any information related to this alleged debt from my consumer reports. 
Should you fail to comply with this request within fifteen ( 15 ) days, I will initiate legal action against Spring Oaks Capital for harassment, abuse, and violation of the Fair Debt Collection Practices Act ( FDCPA ). The potential costs to Spring Oaks Capital for such litigation will include but are not limited to : ATTACHMENT SEE EXHIBIT A. First Notice, EXHIBIT B. Second Notice Attorneys fees Court costs Statutory damages Potential punitive damages I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX SSN:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: MS

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-08-04 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: MS

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: IL

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
Identity was stolen. Credit account open with Best Buy and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in 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 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On [ XX/XX/year> ], I had my XXXX account deactivated and my funds withheld for 90 days without proper explanation or justification. Despite my efforts to provide required information and authorization, XXXX took this action, causing significant inconvenience and financial loss to my business. 

*Background* I operate a gift card redemption and purchasing service, and I had been using XXXX to process transactions. I provided XXXX with a detailed description of my services and obtained the necessary authorization to operate. However, on [ XX/XX/year> ], my account was suddenly deactivated, and my funds were frozen. 

*Attempts to Resolve* I have tried to reach out to XXXX 's XXXX support team to resolve this issue, but they have not provided a satisfactory explanation or solution. I have also provided additional documentation and information requested by XXXX, but the issue remains unresolved. 

*Desired Resolution* I request that XXXX : XXXX. Reactivate my account immediately XXXX. Release my withheld funds XXXX. Provide a clear explanation for the account deactivation and funds withholding XXXX. Take steps to prevent similar incidents in the future XXXX XXXX I request that the XXXX assist in resolving this matter by : XXXX. Investigating XXXX 's actions and policies XXXX. Facilitating communication between myself and XXXX XXXX. Ensuring that XXXX takes appropriate steps to rectify the situation Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABSOLUTE CREDIT  LLC
State: PA

Complaint narrative:
XX/XX/year> To Whom It May Concern at Absolute Credit, I am writing to formally request the immediate removal of a collection account that has been reported on my credit report. As of today, I have not received any documentation from Absolute Credit notifying me of the addition of this collection account to my credit report. 

Furthermore, I am aware of the legal precedent set forth in the case of XXXX XXXX XXXX XXXX XXXX, which establishes the importance of proper investigation and notification practices under the Fair Credit Reporting Act ( FCRA ). By failing to provide me with proper documentation and notification, you are in violation of multiple FCRA practices. 

I am requesting that Absolute Credit remove this collection account from my credit report within 10 days of receipt of this notice as well as {$3000.00} for the financial and emotional destress that this matter has caused. Failure to do so will result in me pursuing legal action, including filing a claim in small claims court for every violation which exceeds three as this has been dragged out over 6 months. Please be advised that any legal proceedings will incur additional expenses that far exceed the value of the alleged {$400.00} collection. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was established that a billing statement alone is not considered sufficient evidence of a debt. Additionally, a collection published on a consumer report is deemed to be a form of communication so that should be motivation enough to remove this account. 

Additionally, I am notifying you that I will be filing a formal complaint with the Federal Trade Commission ( FTC ) to ensure that all actions taken by Absolute Credit are in strict compliance with the law. I expect your prompt attention to this matter and request confirmation of the removal of the collection account once it has been processed. 

Sincerely, XXXX 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 2024-08-04 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: VA

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A Citibank Fraud Agent, XXXX XXXX, called on XX/XX/year> to ask if I had made a {$1700.00} wire transfer to XXXX XXXX XXXX XXXX transfer to a XXXX XXXX in XXXX XXXX & a transfer of {$3000.00} from my savings to my checking account, to cover these Wire & XXXX Transfers. I advised I had not, that I live in XXXX XXXX XXXX & have never met or heard of XXXX XXXX. I was given a case #, told my account would be blocked & that I'd be hearing from another Fraud Agent shortly. I then spoke to a Wire Transfer Fraud Agent, & I had to explain everything that happened & gave her the name of the original agent who called me & the case #. She advised she was closing my account, because the original agent had not blocked it, which is highly concerning. I was advised to go to the bank & open up a completely new account. She repeatedly asked if I knew XXXX XXXX & at one point asked If I was the fraudster & then laughed. She then gave me another case # for the Wire Fraud. She then transferred me to a XXXX Fraud Agent, where I had to again repeat the whole story, even though she had put me on hold for 10 minutes to tell the XXXX agent my fraudulent charges. I was given yet another case/dispute number & told I would be hearing from another agent in about 10 days, after they investigated. I have never heard from another Citibank Agent ; I've called 3 times to ask about my case & I've been told they don't have any information, that it's still under investigation. It's impossible to get a Citibank Agent on the phone, I'm transferred from one person to another & no one can seem to help me. I then did some research & found an email contact to escalate my complaint. They did email back right away & asked for more information, which I had already provided. They then replied & asked for my email, which they obviously have because they emailed me back. On XXXX, they once again asked for the same information, which I have already provided. I am getting absolutely no where.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Identity was stolen. Credit account open with XXXX XXXX and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: OH

Complaint narrative:
Identity was stolen. Credit account open with XXXX XXXX and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in 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 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
18 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents Possessing five or more false or unauthorized identification documents with the intent to use them unlawfully

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 2024-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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 2024-08-04 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: KY

Complaint narrative:
I attempted to make a monthly payment on a home-improvement account with XXXX XXXX when I discovered that the account had been closed. When I inquired as to why, I was told : " After reviewing your account, I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau Transunion. 
The decision was taken by the management based on an update from Transunion regarding your credit scores, credit ratings and your performance not only with XXXX  but also all your other open lines of credit. 
It is not based on the XXXX payment history. It is based on all your open lines of credit. An email letter was sent to you on XXXX XX/XX/XXXX with full credit report details. '' Clearly, closing an account that I had been paying regularly doesn't help my credit at all -- not to mention, the next step would be collection, making my credit score even worse. 
My fear is this is a regular practice, preying on middle and low income customers ( and small businesses like mine ) who were forced to use such credit accounts to handle emergencies during the COVID shutdown. This is clearly a predatory practice by financial institutions that should be illegal. It's the equivalent of mortgage holders who have made regular monthly payments only to be foreclosed on.

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