vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, I received a letter in the mail from a city marshal stating that a judgment was settled against me and my wages were to be garnished. I never received a letter validating my debt, nor has anyone ever tried to contact me. I am not familiar with the creditor or the debt on the judgment. According to the letter, it was from a debt from 2012. I do not recall anyone reaching out to me about any debt at that time, nor have I ever received a letter about any debt at that time or ever since.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$180.00}

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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
Money took from my cashapp and sent to someone XXXX XXXX while I was is XXXX, {$890.00} which I disputed on XX/XX/XXXX when I realized I was missing money, it was taken {$750.00} I disputed on XX/XX/XXXX, was taken XX/XX/year> {$780.00} I dispute on XX/XX/XXXX, which was took on XX/XX/year>, every Time I get my monthly direct deposit its taken from my cashapp and sent to someone XXXX XXXX and cashapp have not even given me a provisional credit! They already denied XXXX dispute for {$450.00} which whoever accessed my account without my permission use my cash card to spend money for {$450.00} at XXXX  and they denied my dispute for that! Didnt even offer a provisional credit or anything during investigation

Company response to consumer: Closed with explanation
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: Kikoff Inc.
State: MO

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Kikoff Lending LLC has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. To XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Kikoff Lending LLC it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

On the Consumer Report : KIKOFF LENDING LLC Account : XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/24 around XXXX I was attempting to change my phone number for my Best Buy online account so I can make an online payment that was a week past due. I was then rerouted to a very rude and hostile lady of the name of XXXX ( employee number XXXX ) that stated that my phone number was not updated but kept pressing me to make the credit card payment over the phone. I have XXXX problems with my paying my credit card for my payment history is very good and my credit is also excellent. She was eluding to me not wanting to make the payment and being very aggressive and shouting over the phone and would not even let me get a word in. I do not think these are the type of people that CitiBank should have working for them. I am seriously thinking about cancelling my card that I have had for nearly XXXX  years just because of a very rude and hostile employee. I have never experienced anything like that in my life and sad to say it left me in tears. Please reach out to me for a resolution. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I beg you please remove this from the credit 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 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: GA

Complaint narrative:
CFPB Writeup : 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The debt Collector has not provided me proper debt validation for this alleged debt. I requested verfication/validation of the alleged debt and requested a copy of the contract of agreement on XXXX all they did was updated the date to current. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX DEPT OF EDUCATION/XXXX- Account Number XXXX US DEPT OF ED/XXXXAccount Number XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than seven years.

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX- Account Number XXXX XXXX XXXXAccount Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX DEPT OF EDUCATION/XXXX- Account Number XXXX XXXX  DEPT OF ED/XXXXAccount Number XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX  -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than seven years.

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items.

The presence of these fraudulent items not only undermines my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses.

Therefore, I demand immediate and effective action to rectify this matter. Specifically, I request the following : A thorough investigation into the root cause of these fraudulent activities and a transparent explanation of the steps being taken to prevent similar occurrences in the future.

Compensation for any financial losses, damages, or inconvenience incurred as a result of the presence of these fraudulent items on my account.

Assurance of enhanced security measures and proactive monitoring to prevent future instances of fraud. With this, I am asking for your assistance to remove these accounts fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}

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 explanation
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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing XXXX loan accounts, XXXX for {$36000.00} and XXXX for {$62000.00}. All of my student loans were consolidated into XXXX account years ago. I contacted XXXX XXXX months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with Experian, and they refuse to correct it. I filed another dispute on it with Experian, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.

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 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}

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 non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}

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: 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: AZ

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 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Dear CFPB, I am writing this letter to dispute the collections payment that Net Credit say I owe them. Net Credit is saying I owe them {$3500.00}. I originally filed for a personal loan and asked for XXXX for this company XXXX XXXX. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. On XX/XX/year> I paid {$130.00}. A total of {$400.00}. Now Net credit is saying owe them {$3500.00}. I am disputing these charges because it contains inaccurate information that Net Credit is responsible for.The {$3500.00} I wish to dispute there was money false added to my credit report without my prior knowledge. If consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX  : XXXX has violated my rights. 


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