vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have sent XXXX XXXXl a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.

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 2022-10-26 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: U.S. BANCORP
State: NY

Complaint narrative:
I have a recorded conversation with the credit card company ( Elan Financial XXXX XXXX XXXX ) acknowledging they will remove the charge-off-collection status they submitted XX/XX/2022 to credit reporting agencies since I paid in full on settlement agreement XX/XX/2022.

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 2022-10-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.

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 2022-10-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX, I filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He took all my credit cards and made unauthorized charges. I left my home in XX/XX/XXXX. I am homeless and living in a XXXX XXXX XXXX XXXX XXXX. He stole my computer, changed all the passwords, and emptied our marital account. I have police reports to support this. He has my social security card and my passport, birth certificate and marriage certificate. I am in court proceedings against him due to his XXXX XXXX XXXX XXXX the XXXX XXXX  on XX/XX/XXXX. I froze my credit on 3 credit bureaus, called all my credit card companies to shut down and replace them. Citibank Sears, Citibank Best Buy, Citibank Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, are all investigating but have refused to issue replacements and the fraudulent charges are still on my cards! Furthermore after not issuing replacements, the Citibank people are rude, nasty, and keep harassing me by phone and texts to collect on unauthorized charges, refuse to verify my identity, keep sending me letters, and refuse to help me recover my accounts. It is very frustrating to endure this financial terrorism at the hands of my credit card companies. Lastly, I have been proactively since XXXX called all my credit card companies to notify them of my identity theft but the aforementioned credit card companies have refused to even acknowledge my efforts to regain control of my identity, compromised emails, and compromised phone numbers. They are sending correspondence directly to the identity thief and abuser!!!!! Please help me!!

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
1. My Citizen Bank account was a legacy XXXX accounts sold to Citizen Bank.

2. Around early XXXXXXXX XXXX, I realize there was an overdraft/outstanding balance ( less than XXXX XXXXXXXX ) in my Citizen Bank Checking Account. 
3. On XX/XX/XXXX, I sent in total of {$5000.00} to the checking account that had an overdraft/outstanding balance, with an aim to settle all balances. 
4. On XX/XX/XXXX, Citizen Bank sent me a check with an amount of {$4700.00} ( original {$5000.00}, net of overdraft ). I have no clue why I received such check.

5. When I logged into the website dashboard, all account balances are shown zero which made me think that all my balances with Citizens are now cleared.

6. However, my credit report continued to be report with late payment thereafter and my credit score continued to drop.

7. Finally, after speaking to more than 5 different representatives. There was another outstanding balance from " Overdraft Line of Credit ''. Apparently, the bank did not take the cash from me back in XXXX to settle that balance - before sending me a check for the remaining balance in the account ; in turn, the bank continues to report that as a late payment items. The bank took {$220.00} from my {$5000.00} cash balance to settle a bank overdraft balance. 
8. The bank failure to use the cash from the customer ( XX/XX/2022 ) to fully settle all the outstanding balances related to the checking account is not the customer fault. The bank staff did not review all the outstanding balance of the customer before closing out the checking account and remitting the check of to the customer account.

9. With the aim and action to settle the full outstanding balance ( sending in {$5000.00} ) to the bank from the customer, the bank should not report the customer 's outstanding balance as " late payment '' after they remitted the check to the customer. It is bank 's own error for not applying the cash to settle up the outstanding balance.

10. The bank should correct the customer credit report due to it is bank operational error. Bank staff did not review the account correctly before remitting the remaining balance.

11. Please see all the check copies. 1 ) Wires sent to Citizen bank with an aim to settle all outstanding balances ; 2 ) Check received from Citizen Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MI

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 non-monetary relief
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
In accordance with the credit Reporting act XXXX  Account XXXX. XXXX, XXXX # 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 a 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 2022-10-26 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:
In accordance with the credit Reporting act XXXX Account XXXX. XXXX, XXXX # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
In accordance with the credit Reporting act XXXX Account XXXX # 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 a 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 2022-10-26 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:
In accordance with the credit Reporting act XXXX  Account XXXX # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: 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 has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name XXXX DP OF EDUC  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXXXXXX # XXXX has violated my rights Account XXXX : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # 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 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 t

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: 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 has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX  # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name XXXX U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # 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 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 t

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 2022-10-26 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This is my old complaint # XXXX, I was emailed by Aspire that I will get prorated annual fee refund and the positive balance I had on the card total about {$92.00}, well I was told I would receive a check in the mail within XXXX business days, 17 days had gone by no sign of a refund. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation