vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX. XXXX, {$12000.00} was wired out of my checking out illegally. I always check my accounts when I saw my money of {$12000.00} exiting my account I immediately walked to Citibank. I work 3 minutes walking distance from Citibank. I also called Citibank when I saw the money leaving my account. I signed an affidavit and notarized it stating I did not authorized anyone to withdraw money out of my account. I gave this affidavit to the XXXX XXXX at Citibank ( my banking branch ). Citibank never contacted me to inform me of this wire fraud for the large amount of {$12000.00}. I filed a police report when Citibank refused to return my funds the complaint number is XXXX. I also have a FOIL number from XXXX. I am currently waiting for the police report. Citibank said they were doing their own investigation on how this money was taken out of my account. Citibank did not assist me. They lack in customer service. Instead Citibank stated I may have clicked a link and or didnt change my password. This is ridiculous! I didnt change my password because I didnt need to. I change my password occasionally. The detective on my case ( XXXX  XXXX ) from the XXXX precinct in XXXX, XXXX stated that the money {$12000.00} was wired to XXXX  XXXX XXXX in XXXX, Virginia ( Not in XXXX where I reside ) and Citibank is liable. XXXX XXXX has been speaking and in contact with Citibank. Citibank supervisors stated some money was captured the fraud was stopped midway. However Citibank stated that XXXX  XXXX XXXX failed to disclose the amount captured. Citibank stated that I failed to secure my account. But why I have ( and still am! ) been a customer of Citibank for over 25 years there was no need for me to change my password. I use my CitiBank checking account to shop, and pay bills. I was also going to make a large payment when my account was hacked of {$12000.00}. Customer service at Citibank has been horrendous. I am put on hold for long periods of time. Citibank states there is no new news therefore they are holding my money when they claim they are FDIC insured. They dont accept messages. I have sent emails to the President of Citibank in XXXX, XXXX and to no avail. This is NOT acceptable! I want my money returned to me asap.

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 2022-05-29 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: GA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: GA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

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 2022-05-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2022-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
On XX/XX/2022, my car was a total lossXXXX XXXX XXXX was immediately ready to pay the loan off. I retained the law firm of XXXX XXXX XXXX to communicate with the finance company, Global Lending Services, so that I could get the loan paid off and collect any money due to me. The law firm tried to get XXXX to communicate and work with them to get XXXX ' loan paid and get me my remaining money owed but XXXX continuously refused to cooperate with my law firm ( see emails to/from XXXX attorney and my law firm 's paralegal ). For month 's XXXX ignored my law firm and continued to bill me monthly payments on the loan. This caused an extreme hardship to me as I was involved in an XXXX, off from work, and could not afford to pay a loan that should have been paid off months ago. If it were not for XXXX ' incompetence, the loan would have been paid. Additionally, they ruined my credit by showing me late for two car payments with them ( one that should have been paid off long ago if not for their lack of cooperation and due diligence ) because they are holding over {$2000.00} of my money and refusing to return it to me. I would like to ask that they be fined for their unethical actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
1. sent a debt valadation letter no response violation of 15 U.S. Code 1692g ( b ) Collector must cease collection efforts until debt is validated Validation of debts proof letter was sent certified mail and signed for proof in the attachments 2. all three credit bureas and this company continue to furnish inaccurate information after being warned violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. this account was closed should be closed but the account status shows open a collection account law clearly states must be 100 percent accurate and i never gave written consent to furnish anything on my report also this company is not registered with the DFPI PURSUANT TO THE CALIFORNIA NEW ACT ( DCLA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY ACCOUNT XXXX HAS VIOLATED MY RIGHT. 15 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES IA 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 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a credit card balance of {$5500.00} with Citibank, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to Citi. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on XXXX and it shows that I still owe a balance of {$2200.00} to Citi. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " XXXX  credit report - Citi bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.

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 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD BANK N.A. checkings account on XX/XX/2022 ending in XXXX, as a consumer pursuant 15 U.S.C. 1692a ( 3 ). i received TD BANK N.A. banking access card and TD BANK N.A. checks with my Autograph. I attempted to create a online TD BANK N.A. account on XXXX XXXX, but was denied access due to a said fraud alert. Upon learning this I mailed a letter out to the C.F.O of TD BANK N.A. on XX/XX/2022, and TD BANK N.A. has failed to respond through any medium. 
2 ) I have a right to an authenticated record of accounting. I am is not requesting a statement of account, the i am is requesting for an authenticated record of the accounting. I am hereby disputing the alleged debt, and to require that TD BANK N.A. provides the requested information within the time allotted by law, which is fourteen calendar-days.

ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX ( Date Opened : ( insert date ), Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2022-05-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has XXXX 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 2022-05-29 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: NY

Complaint narrative:
I reached out to EQUIFAX INC. In the form of an affidavit on XX/XX/2022 via Priority Express Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX EQUIFAX INC. Upon receiving this information I drafted another letter and mailed it out to EQUIFAX INC. as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called EQUIFAX on XXXX XXXX to inquire about the notice that was recieved and EQUIFAX INC. stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, EQUIFAX recieved a second Notice of Default which was signed for by the same individual. I called EQUIFAX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. EQUIFAX INC. stated to me again that they have not received any documents from. 
EQUIFAX INC unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize EQUIFAX INC. to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I ran my credit report and discovered multiple accounts showing medical debts. I mailed off a letter requesting debt validation within 30 days to the collection agency on XX/XX/2022. I spoke with the agency via telephone in late XXXX and was advised they received my written request. They failed to send any validation of debts. I again mailed off a letter certified on XX/XX/2022 requesting debt validation within 15 days. The letter was received on XX/XX/2022. The XXXX agency has once again failed to provide debt validation. The USPS tracking number is XXXX.

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