vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Future Judgement Solutions
State: CA

Complaint narrative:
FJSglobal says I owe {$1300.00} to XXXX XXXXXXXX XXXX, they say its a charge off,,, I never did business with any XXXX XXXX XXXXXXXX 

Now this FJSGlobal wants me to set up payment arrangements to pay off this debt or pay a one time settlement if XXXX 

I sent them an email message that they have the wrong person or they are creating fictitious debt to people to pay on something they do not owe. 

This phone call from FJSglobsl was received on XX/XX/2022, so I went online and saw the information in my name regarding g a XXXX XXXX XXXXXXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: U.S. Auto Credit Corporation
State: VA

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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 explanation
Consumer complaint received 2022-12-19 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: FL

Complaint narrative:
For the last several months ( starting XXXX XXXX ) I've sent Experian and XXXX numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided Experian and XXXX with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by Experian and XXXX to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, Experian and XXXX have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). Experian and XXXX have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from Experian and XXXX conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that Experian and XXXX remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by Experian and XXXX to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-12-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX/XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
In early XXXX of XXXX to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts and Unauthorized FRAUDULENT Inquiries on the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Inquiries and Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX of XXXX to Current days date. Unauthorized FRAUDULENT Account 1. XXXX  XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX Unauthorized INQUIRE 1. XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, TRANSUNION, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( TransUnion ).

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, XXXX, EQUFAX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citibank Mastercard account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, XXXX is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with XXXX, XXXX has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that XXXX and Citibank have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against XXXX and Citibank for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.

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 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.

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 2022-12-19 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: Self Financial Inc.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 an open end consumer report plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I accidentally made an overpayment of $ XXXX to my XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, the account was transferred to First National Bank of Omaha. According to First National, they are waiting for XXXX XXXX XXXX to confirm my overpayment so they can issue me a credit balance refund check. Their accounting department said the request to XXXX XXXX XXXX 's account department went XX/XX/2022 but that XXXX  XXXX XXXX is not returning their calls. XXXX  XXXX XXXX won't let me talk to a customer service representative because I am no longer a customer.

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 2022-12-19 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: Portfolio Recovery Associates, LLC
State: VA

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. 

PORTFOLIO RC XXXX PORTFOLIO XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently noticed an account placed on my credit report. I was unable to access my credit report for several months but the representative helped me resolve the issue. I would like you to look further into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
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 of XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Sunbit, Inc.
State: OH

Complaint narrative:
Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. Sunbit is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a formal complaint against the claim that was denied on my account. 
I received an email from Bank of America on XX/XX/2022 advising me about a fraudulent transaction. I immediately called the bank to report the fraudulent transaction. this was the time when I was made aware that there were fraudulent charges on my debit card. Several days later I received a letter from Bank of America informing me that my claim was denied because they think i gave permission to someone else to use my debit card. I called the bank of america to have my claim reevaluated and i was told to write a letter to the claim department which I did in a timely manner. I went to the Bank of America to get the letter faxed.I was told by the branch manager that he faxed and that I don't have to worry because my card offers me zero liability for fraud. severals weeks later i received another letter from bank of american stating that my reevaluation was denied again and there is nothing they can do. i explained to them that i need this case to be fixed because im recovering from a bad year due to the pandemic and need my money back.they said no and hang out. Also, they failed to send proof of purchase to see who did the purchase. 

Fraudulent transactions are the following : XXXX for {$3900.00} XXXX XXXX {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief