vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act Collection 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 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been 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 explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citi XXXX XXXXXXXX XXXX card to get a promotion on XXXX to spend {$2500.00} and get XXXX points. I never received my card, and when I realized that I called to ask about it on XX/XX/XXXX. The promotion had expired, so I asked if they could extend and if not to just cancel the account. The customer service rep ensured me that were able to extend the offer and sent me a new card. I spent money on that card because I thought I had a promotion. I would not have spent or kept the card open if that wasn't the case. I called today ( XX/XX/27 ) to see where my promotion stood and was after being on hold for hours and the call dropping several times was told the promotion was never extended. The only reason I spent any money on that card was to get the promotion. I've since canceled and will never use Citi again. I wish they had just been honest with me and I would have canceled immediately and not used the card.

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 2022-06-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I lost my wallet and had multiple transactions on my XXXX card that I did not make. 
I called XXXX as soon as I realized this and I was assured all transactions would be looked into. I had the need to call XXXX extra times as that didn't happen. Now I am seeing all charges re-posted and customer service does not know why. I received no communication about this as well.

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 2022-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
On XXXX, 2022 NATIONWIDE RECOVERY SYSTEMS opened a collection. I noticed this while checking my credit due to a recent identity fraud incident. 
Account number : XXXX Amount : {$1100.00} I mailed a certified letter in XX/XX/2022, requesting seeking validation of debt to the company, I also requested that there be a response within 30 days. I never received a letter about the debt prior and still haven't heard from the company. 
They are violating my rights of the FCRA as a consumer. 
I have never signed any written document agreeing to owe this debt to the collector. I do not know who they are and they have not written consent from my end. 
They have not verified that I owe this debt to the alleged company. 
Please have these removed from all credit bureaus. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
On XX/XX/XXXX UNITED AUTO CREDIT CORPORATION received E.F.T. to setoff & discharge alleged debt for XXXX XXXX XXXX XXXX vehicle. Pursuant to 12 CFR 1026.13 - Billing error resolution. On XX/XX/XXXX, I was scheduled to close on an auto loan transaction with the business entity, UNITED AUTO CREDIT CORPORATION at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My payment was accepted and successfully added to the ledger/bookkeeping and the account was paid-in full. As of XX/XX/XXXX, the Trustees, UNITED AUTO CREDIT CORPORATION, reopened account and reapplied another alleged debt, and refused to return payment " untouched '' that was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX Affidavit of Fact and Conditional Acceptance was also sent all secured parties involved in this " cash transaction '' .The Trustees have continued and failed to perform their duties as Trustees of the XXXXXXXX XXXX XXXX for XXXX XXXX XXXX. A certificate of live birth ( certificate of title ) is a bond that evidences title held by the XXXX XXXX XXXX ( XXXX ). The issuer has a legal title ; you have an equitable title up until you partner up to share an equitable title with the United States. XXXX creates the XXXX XXXX XXXX which is surety for the Vessel. The Vessel is the body and evidenced on the application by length, weight, and footprints. A body manifested into the sea of commerce. The beneficiary is supposed to be Me, Myself, and I. But the XXXX XXXX XXXX ( XXXX ) is at XXXX XXXX XXXXXXXX XXXX XXXX XXXX and operates both the public and the private side. Under XXXX XXXX XXXX Laws 18 U.S.C. 1964 as corporations may have established a pattern of racketeering activity by using mail to collect an unlawful debt. If proven there is a conspiracy to deprive of property without due process is various constitutional violations under 18 U.S.C.A. 241. Knowledge and neglect to prevent a United States Constitutional wrong. 31 U.S.C. 5118 ( d ) 2 None can ask for payment in a specific coin. 31 U.S.C. 3123 There is no money, so no one can demand payment... the United States will discharge debt dollar for dollar. XXXX : XXXX, XXXX Conditional Acceptance of your Offer of Refusal of Payment-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX 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 2022-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XX/XX/2022 Debit Card received in mail from Discover. I do not have any accounts with discover. Called Discover bank and fraud line wait was over 24 hours. I then chose to speak with a Discover bank agent but did not share personal information as I was unable to speak with the fraud division. They were able to identify the account without my personal information and assured me that account would be cancelled/closed and I would receive a letter in 10 business days. My concern is what is required to open a banking account/debit account. Are no forms of ID required? When reviewing credit reports, the account was inquiried on XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: LA

Complaint narrative:
I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a XXXX-year period and have yet to receive any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
While purchasing a used car and and to help with some XXXX XXXXXXXX expenses, my mother-in-law helped us with a loan. She gave us a bank cashiers check for {$3000.00}. 

Since there is not a local branch of Citi Bank in XXXX, I used my phone to make a mobile deposit to my checking account on XX/XX/XXXX. I received an email acknowledgement that the check have been received, and the funds would be available within a few business days. However, the funds never became available. 


Citi did not seem to understand what a cashiers check was, as they contacted my mother-in-law to ask her what the check number was. My mother-in-law informed Citi that it was a cashiers check ( guaranteed by the bank ), and instructed Citi bank to contact XXXX XXXX XXXX XXXX XXXXXXXX as they could provide the details for the check. 

After approximately XXXX days, Citi froze my checking account. I called Citi bank, and was told my account was froze due to " potentially fraudelent activity '' on the account. When I asked for details, I was told that they would need to talk to a manager as they didn't have details. However, despite calling multiple times, a manager was never free/available to discuss. 

Since my account was frozen, and I still had not received a confirmation that Citi bank deposited the cashiers check, my mother-in-law ended up giving me cash. We also obtained a letter from my mother-in-laws bank ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX to indicate the cashiers check should NOT be cashed. On XX/XX/XXXX, I drove to the nearest Citi Bank branch ( in Illinois ) and gave the the letter from the XXXX XXXX XXXXXXXX XXXX indicating the cashiers check should no longer be cashed and asked to close my account. They took the letter, and stated I would receive a letter confirming that they acknowledged that the check would not be cashed. 

However, I did not receive a follow up letter as promised. Then, on XX/XX/XXXX, Citi Bank cashed the cashiers check. Despit the check being cashed and withdrawn from my mother-in-laws account, the funds have NOT been deposited into my account and my account remains frozen without any further explation. 

Based on the timing, I believe Citi bank froze my account as a result of me attempting to perform a mobile deposit of a cashiers check for {$3000.00}. ( Based on the call to my mother-in-law, the Citi Bank employee did not seem to understand the concept of a cashiers check. ) I would like to formally file a formal complaint requesting Citi Bank unfreeze my account, and deposit the funds from the cashiers check so that I can pay back my mother-in-law.

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 2022-06-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: MI

Complaint narrative:
I am a victim of identity theft. On XXXX I submitted complaint number XXXX to the CFPB detailing my disputes with TransUnion, a consumer reporting agency. On XXXX I mailed TransUnion a notice disputing the inaccurate public record they were reporting to my consumer report. TransUnion received my notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX. TransUnion 's response to my dispute was that the " US XXXX XXXX XXXXXXXX XXXX is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXXXXXX XXXX and they replied to me that they DID NOT verify or furnish such information to TransUnion. 

On XXXX TransUnion responded to my complaint to CFPB through the CFPB portal. TransUnion replied After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXXXXX XXXX  updated. 

The attached exhibits provide clear evidence that the XXXX XXXX XXXXXXXX XXXX is not the furnisher of information. TransUnion admits, in their letter dated XXXX titled Re : Investigation Procedure, that they hire a third party to research public records. I maintain there are instances where public records contain inaccurate information. By continuing to assert that the XXXX XXXX XXXXXXXX XXXX is the source and furnisher of information to TransUnion, they are hindering and obstructing my right and ability to dispute this information directly with the furnisher, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ). TransUnion is committing a FRAUD against me by not disclosing to me the third party they hired as the furnisher of information which they are reporting. 

By continuing to report this inaccurate, and unverified information to my consumer report TransUnion is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) due to the fact that they have reasonable cause to believe that the information is inaccurate. 

TransUnion has failed, on numerous occasions, to verify the information which they are reporting to my consumer report. TransUnion has failed to assure maximum possible accuracy of the information in the consumer report which relates to me, a violation of 15 U.S.C. 1681e ( b ). I demand the immediate deletion of this unverifiable information that is reported on my TransUnion consumer report.

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 2022-06-26 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: VA

Complaint narrative:
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602 A. states i have a 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 2022-06-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!

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 2022-06-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX 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 2022-06-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX 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