vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
I made two money remittance with Sigue Corporation, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was for {$990.00} dollars on XX/XX/year> and the other was XXXX XXXX XXXX XXXX  The person receiving the remittance was XXXX XXXX XXXX and when she went to pick up the money, she was told there was no money sent to her name. 
Then I called Sigue customer service and was told I would get my money back in one month. After a month I called Sigue back and was not able to get through, I have been calling ever since then but have not been able to talk to any of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The credit reporting agencies are reporting that I owe student loans when I in fact have a XXXX balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
i did not authurize these accounts

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 2024-04-20 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: 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 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
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I recently pulled my credit and found that XXXX is reporting inaccurate information on my credit from an account with Best Buy. It is showing that the account closed XX/XX/year> until now, while XXXX is saying payments were being made on time. It is impossible to be making on time payments on a closed account, with this being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account has not been verified properly so I want it deleted immediately.

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 2024-04-19 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:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2003 Listed below are the Accounts that are being challenged XXXX/XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX/XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: PA

Complaint narrative:
I applied for credit ( see attached ) and was denied. Wondering why and fearing the worst which no longer takes me by surprise or anyone for equal measure, I ordered a credit report and realized that XXXX and XXXX had information not only incomplete but inaccurate and reckless on my report, you ( EQUIFAX ) not only furnished creditors with inaccurate payment history but reporting addresses that seem completely made up and inaccurate but names I do not recognize or authorized anyone with a signature nor consent to use in place of what my name is I and attorneys ( standing by, see attached ) consider fraudulent on your part. Please be advised that under section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Also, 15 US CODE 1681e ( b ) whenever a consumer reporting agency prepares a report, it should follow reasonable procedures to assure maximum accuracy of the individual about whom the report relates. I have suffered enough, my children, one of which is impaired have gone through housing, food, travel and humiliation at the hands of agencies that have taken and made a business out of peoples lives, where the most money is made from situations like mine. I AM BEING AS TRANSPARENT AS POSIBLE BY SHOWING ALL MY CARDS ( see attached ) I am doing this in anticipation of years of back door behavior played by credit reporting agencies. ENOUGH! We are not looking for luxury or unnecessary comfort but it would be nice to get funding as I know I deserve, to simply make a XXXX XXXX I bought with all my savings ( {$5000.00} ) and make it into a XXXX. I registered the XXXX  business, confident, I applied for a XXXX card to finally move my store to a brick and mortar instead of from home and only got approved for a {$1000.00} ( XXXX XXXX ). Almost did not even get that because they could not verify me, also had to beg for reconsideration. I had too many addresses and names that contributed to their criteria with respect to lending to someone without some stability. NOW I HAVE A XXXX XXXX I BOUGHT WITH ALL MY SAVINGS, A REGISTERED BUSINESS, MATERIALS I CAN NOT GET FUNDING FOR, NO MONEY, AND A SIMPLE DREAM FOR MY SELF AND KIDS FUTURE TURNED TO NOTHING. THANKS FOR INACCURATE REPORTING, UNVERIFIABLE REPORTING AND DESTROYING LIVES WITH A CLICK OF A BUTTON. SEE ATTACHED AS I OFFER YOU AN OPPORTUNITY TO RE-INVESTIGATE BEFORE LITIGATION. I AM GOING TO ASSUME THAT THIS WAS HUMAN ERROR WITHOUT MALICIOUS INTENT AND THAT YOU WILL TAKE PHYSICALLY LOOK at my situation and not using E-OSCAR RETURN MY LIFE BACK. I want contact information, process used in writing. If this matter is not resolved immediately, consider this our last communication until litigation ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: OR

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX. inquiry date. XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX, XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX inquiry date. XX/XX/XXXXXXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date. XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH

Complaint narrative:
Since XX/XX/2023, Kinum, a third-party agency begin reporting information on my credit profile. According to my XXXX, the original debt company name is XXXX XXXX XXXX XXXX XXXX Dba XXXX, an online college for multiple degrees. Im sending this compliant in compliance with 15 USC 1692c ( b ) and ( c ) that clearly states ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This company has not responded back to the original request for original documentation of original debt. Also, the amount stated, on my credit profile, is inaccurate and requires further evaluation. This company has not provided me with an account number, beside off of my XXXX, Account number # XXXX. I have no knowledge of this account, nor is the company responding. It has affected my credit drastically, Im unsure of this debt or even company besides what I got from XXXX. Thank you kindly for the assistance to evaluating and assessing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I went to a Bank Of America ATM inside the branch on XX/XX/2024 to withdraw {$750.00} from my XXXX XXXX so the full transaction had fees of {$3.00} fee for Bank of America {$2.00} fee for XXXX SO THE full Transaction was {$750.00} I heard the ATM shuffling money around but NO MONEY CAME OUT OF THE ATM SO I ran up to the teller and told her no money came out of the machine she informed me that I needed to contact my financial institution or if it was an ATM ERROR it would be credited back to my Account within 24 Hours

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604.

Regarding the disputes with Equifax Information Services LLC, I am providing the following details : Erroneous Current Address : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX - Rectify immediately by updating this item. 

Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX - ( Secured Credit Card ) - A billing error under 15 USC 1666B is evident. Payments are consistently made on time. Rectify these inaccurate late payment reports immediately. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( Education Loan ) - This account egregiously violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), severely damaging my credit. Rectify this immediately by verifying and removing this item. 

XXXX. XXXX XXXX, Account Number : XXXX ( Credit Card ) - This account blatantly violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), causing extensive harm to my credit. Rectify this immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX  XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This flagrant breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This blatant violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This unacceptable breach of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This egregious violation of federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ) tarnishes my credit. Remove this item immediately. 

The listed items are gravely inaccurate and represent a severe error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: MS

Complaint narrative:
I personally disputed how my was being reported to this credit agency. I only received one response and i was told they were not going to take any action from experian in which i was told they thought i was someone else.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation