vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Issue # XXXX : In XX/XX/year>, I called Citibank to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/year> I received two Confirmation Repayment Plan letters from Citibank for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : CitiCard Ending in XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX CitiCard Ending in XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX Citibank is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : Citibank does not allow customers to set up RECURRING monthly payments via phone OR online. Citibank 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow Citibank to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the summer of XXXX  and I was not able to get groceries for the children for 1 week because I had not agreed to make a double payment for both cards and when I called Citibank then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments Citibank will be happy to collect late fees.

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 2024-05-12 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice I have a fraudulent account on my report. Please remove this accounts from my report, it is hurting my ability to obtain credit.

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 2024-05-12 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I initially disputed inaccurate information about a collection account reported on my credit report, which was associated with a creditor named " ABILITY RECOVERY SERVI. '' The account was allegedly opened on XX/XX/XXXX, and reported on XX/XX/XXXX, with a balance of {$1900.00}. The debt was incurred in XXXX XXXX, Texas at a time when I was hours away in XXXX, Texas. XXXX of this was provided to the collections agency and original creditor. In response to my dispute, the credit bureaus replied in XX/XX/XXXX, stating that the item had been verified as accurate. However, I contacted the original creditor, " XXXX XXXX, '' who confirmed that they had no records linking me to the alleged debt. Despite this confirmation, the debt continued to be reported. 

Given the lack of evidence from the original creditor, I reached out again to both the credit bureaus and the collection agency, requesting a thorough reinvestigation of the reported entry under the Fair Credit Reporting Act ( FCRA ), specifically citing Sections 611, 623, 605 ( a ), and 609. I provided copies of previous correspondence with the creditor and the credit reporting agencies to support my claim and requested a resolution within the FCRA 's mandated 30-day period.

As of the last update, the debt was still inaccurately reported, prompting me to prepare to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against both the credit bureaus and the collection agency for potential violations of the FCRA.

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 2024-05-12 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: DE

Complaint narrative:
I pulled a copy of my most recent credit report and noticed a few inaccurate and unverified accounts. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ) legally, all unverified and unauthorized items must be removed within four days. Please conduct a reasonable investigation to assure maximum possible accuracy of the information concerning my credit report. The following inaccuracies are highly injurious to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If the information is found to be inaccurate, incomplete, or unverifiable it must be deleted and permanently blocked from my report. I also demand that you provide actual proof that the information is verified, not a computer-generated confirmation.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have pulled my most recent credit report and I've noticed a few unauthorized inquiries. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ), legally all unverified and unauthorized items must be removed within four days. I have never opened an account or received any goods, money or credit from the following companies 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 Kindly either remove the specified inquiries or furnish evidence of a legitimate contract, agreement or application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : 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 XXXXXXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, Capitol One unreasonably and unfairly denied my request for a credit limit increase on my card ending in XXXX. Their stated reason that my balances and card usage are " too low '' is patently false. I have an impeccable history of using this card regularly and always paying it off on time. I believe Capitol One 's stated reason is pretext for unlawful XXXX discrimination because I am completely XXXX from working and SSDI is my primary income source. Also, I believe Capitol One is unlawfully retaliating against me for having filed a similar CFPB XXXX complaint against them related to my other Capitol One Quicksilver credit card, which is still active and pending. In short, Capitol One keeps denying my multiple requests for credit increases on both credit cards with no reasonable or good faith basis, despite how my credit report has no blemishes whatsoever and my credit score is nearly XXXX. This is unlawful discrimination and retaliation against a XXXX person because I receive monthly government XXXX benefits instead of payroll income from working at a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: EQUIFAX, INC.
State: WV

Complaint narrative:
Okay you want to play the id game? Acting as though I haven't sent you my copies of ID repeatedly over the last 18 years. This time, because of the cfpb I will have documentation that I sent you copies. 

You can also watch this video. It's posted on multiple sites. I am tired of your games. 

https : XXXX You might have to copy and paste I don't know if there's a hyperlink available on this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Okay you want to play the id game? Acting as though I haven't sent you my copies of ID repeatedly over the last 18 years. This time, because of the cfpb I will have documentation that I sent you copies. 

You can also watch this video. It's posted on multiple sites. I am tired of your games. 

https : XXXX You might have to copy and paste I don't know if there's a hyperlink available on this. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
I got a notification from XXXX XXXX that there was a hard inquiry on my account on XX/XX/2024 of a XXXX XXXX XXXX XXXX. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.

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 2024-05-12 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: GA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-05-12 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: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  Lockhart and morris mont, has violated my rights. 15 USC 1681 Section 602 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 an account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.I tried yo buy a house I realize this was on my credit report and it is deformation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
As of XX/XX/2024, I started reciveing letters in the mail from attorneys telling me I need to hire them because I'm being sued by Midland Credit Managment. I have been calling them asking for validation of what it is they are trying to say I owe and from whom since XX/XX/2024. No response, I have disputed with all 3 credit agencies and I'll I get is " the debt is valid " but no one can provide proof. Now they are trying to garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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:
I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

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 2024-05-12 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: FL

Complaint narrative:
I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report.

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently review a copy of my credit report and notice I have a fraudulent account on my report. Please remove this accounts from my report, it is hurting my ability to obtain credit.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently review a copy of my credit report and notice I have a fraudulent account on my report. Please remove this accounts from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief