vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an Equifax report from myEquifax dated XX/XX/XXXX under revolving accounts XXXX XXXX  XXXX  XXXX shows NO late payments ( See attached page from Equifax ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( XXXX ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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: OH

Complaint narrative:
I request from Experian to update my name to only one name on my credit report. I have 4 different names under different id # numbers, I also have address that belongs to family members on my credit report that I have never stayed with that I have asked them to delete and the company keep telling that the addresses were verified the addresses are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
XXXX XXXX did not apply my check payment confirmation XXXX {$92.00} on XX/XX/23. Rep XXXX XXXX confirmed and would adjust accordingly. Also, notified Diversified Adjustment Services XXXX XXXX XXXX, MN XXXX via mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I purchased a set of tires and financed the original amount with Acima Leasing. I made weekly payments of XXXX for several weeks and then I called on XX/XX/2023 and got the payoff amount from Acima and was advised that the payoff was XXXX. On XX/XX/XXXX, I made a payment of XXXX to pay off the loan in full and went on my way. I heard nothing else from Acima and then on XX/XX/2023 I noticed that Acima had withdrawn XXXX out of my checking. I called and spoke to a representative and he advised that when I paid the XXXX on XXXX XXXX that I was XXXX short of my payoff. I advised him that I payed exactly what I was told to pay to payoff the account and he said that it didnt pay off the account and now I owed XXXX more XXXX  since I did not pay off the account. I again advised that I paid exactly what I was told and he said that I only made a lump sum payment and did not pay it off. I then asked him why would I make a lump sum payment short of the payoff by XXXX. He then said I dont know what to tell you I advised him that I had paid what I was told to pay off the loan and he again advised that if I wanted to pay it off I would have to pay XXXX. I asked him if I was only XXXX short why would I have to pay XXXX and he said because I didnt pay it off in time. I asked, if that was the case then why did they wait 6 months to take a payment out and he advised that he couldnt tell me. I have tried to talk to several people and they will not discuss it with me. I blocked them from my checking account and now they have started charging my credit cards. 
I paid exactly what I was told to pay it off, this company is trying to get more money and the have all ready taken XXXX from me which would more than pay the XXXX, if I owed it which I dont. Why would I have just randomly payed XXXX if I was not told that would pay off the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
I received my direct deposit on XX/XX/2023. The same day, when I tried to transfer funds to another bank, I received an error message saying that the transfer was not successful, asking me to call XXXX XXXX After talking to four representatives, I became aware that my Laurel Road checking account had been suspended, and that was why I did not have access to the funds. No prior notice was given whatsoever. Today, XX/XX/XXXX, I don't even see the funds in the account! This is illegal, and I need the funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: Bread Financial Holdings, Inc.
State: GA

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 the 15 USC 1681 ( ComenityBank/Victoria ) XXXX 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 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: CA

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 has violated my right as stated. 

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.

This inaccurate information reporting on my credit reports with TransUnion and XXXX  is negatively impacting my credit score and ability to obtain new credit and employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Also listed on my credit report twice. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Despite making phone calls, mailing off documentation, and submitting documentation via their online portal on XXXX separate occasions over the last XXXX days, Early Warning refuses to release or provide documentation on my personal credit profile/report. They do provide a convoluted system ; you have to register with a third party, with instructions provided over a XXXX, which expires after 30 days or XXXX logins. From there, you can submit various documentation to begin the request process. 

This is XXXX, confusing, and often fails to generate any response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acount Name : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states that I have right to privacy. 15 U.S.C 1681 section 604 Scetion 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 pf convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: TX

Complaint narrative:
XXXX and XXXX XXXX are accounts that I did not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: EQUIFAX, INC.
State: CA

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 XXXXXXXX has violated my right as stated. 

XXXX5 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.

This inaccurate information reporting on my credit reports with XXXX  and Equifax is negatively impacting my credit score and ability to obtain new credit and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been an existing Citibank checking account customer since XXXX. On XX/XX/XXXX, I received the XXXX offer email from Citibank as attached. In the email there was a unique referral link of mine which could be shared with my friends. The email stated that " when my friend used my link to open an eligible Citi Checking account, I would receive a {$100.00} cash bonus within 90 days. '' Then on XX/XX/XXXX, I referred one of my friends to open a new Citibank checking account via my referral link. Now today, I still have not received my {$100.00} referral bonus. 
During the last 5 days, I called Citibank customer service more than 5 times. None of them could resolve the issue, and two of them told me that the bank branch in which I opened my checking account was responsible for XXXX offer. Then on XX/XX/XXXX I called Citibank XXXX XXXX XXXX. The agent in the branch refused to help resolve the issue. She claimed that the branch was not responsible for the referral using the referral link under XXXX offer. The branch would help only if my friend was referred to open the new Citibank checking account in branch. 
All in all, I tried to contact Citibank many times. I was answered with conflicting information and all from Citibank claimed they had no responsibilities. As a result, nobody from Citibank helped and I did not receive my referral bonus as advertised in the email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 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: OH

Complaint narrative:
I file an identity report, the company was in receipt of the paper work was XX/XX/XXXX the company only deleted half accounts and inquiries per my request The following accounts still remains on my credit report. 

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 explanation
Consumer complaint received 2023-11-11 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:
XXXX and XXXX XXXX are accounts that I did not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: MS

Complaint narrative:
Payments was late due to in forbearance with car loan company. In Accordance with the Fair Credit Reporting. USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. Please adjust all late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : 1 ) .XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 2 ). XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX 4. ) XXXX XXXX XXXX XX/XX/2022 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 6. ) XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Rights Violations : 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 2023-11-11 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: 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 names : XXXX : Original creditor XXXX XXXX XXXX # XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX Original Creditor XXXX XXXX, XXXX XXXX XXXX : Original Creditor : XXXX XXXX # XXXX, XXXX # 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 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 non-monetary relief