vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: OK

Complaint narrative:
I opened a checking account with Citibank and the day my deposits were going to be available they say they are closing my account. Ive deposited XXXX dollars in checking and savings account now they wont even tell me why its being closed. That Money was for my son who is XXXX and its 10 days before 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: BCO Consulting Services
State: CA

Complaint narrative:
A company called BCO Consulting Services reached out to me in XXXX of 2021. They claimed that they could consolidate my student loans and apply for debt forgiveness through their program. They claimed they work with the Department of Education and had enough of my information for me to believe it was legit. I never gave them any of my personal information other than my name and email address and then later my credit card to pay for my income driven repayment plan that they signed me up for. 

They did consolidate my loans with my loan servicer XXXX XXXX and I have been making payments to them for a little over a year now, however, I just reached out to XXXX XXXX and none of those payment have been applied to my student loan balance, so it is just a scam. I have terminated any future payments to them and requested that they cancel my " income-based '' repayment plan and cease all future communications with me regarding any payments due. I had my loan servicer file a report on my behalf and am reaching out here and with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION 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 non-monetary relief
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and BBB. All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi has implemented an authentication mechanism that requires the customer to have a telephone number to receive a voice call or text message to process rewards redemption requests. Not all customers have a phone that can be called or texted. When I contact Citi, I do so from my employer 's phone system, which can not accept inbound calls. In the past, Citi allowed me to authenticate by sending a one-time passcode ( OTP ) to my email address. This option has disappeared. 

There exists free and open-source technology that is regarded as the strongest form of authentication, widely adopted among companies across the internet, and easily to implement. XXXX XXXX describes XXXX XXXX XXXX Passwords. These can be scanned with an app on a mobile device to establish a secure mechanism for authenticating, that doesn't depend on a customer having a cell phone and doesn't require customers to pay for cell phone service. This technology has been available for over a decade. There also exists a consortium of companies that have developed other authentication mechanisms that do not depend on cell phone service. ( See XXXX XXXX XXXX XXXX XXXX and reference XXXX, XXXX, XXXX. ) There is nothing in the contract that I initially signed that requires me to have or maintain cell phone service. Citi should not be able to prevent me from distributing my rewards points without a cell phone, especially given that the transfer is to a bank that is already on file and has been routinely used to redeem rewards. 

In XXXX of XXXX, XXXX published a recommendation that companies stop using SMS and voice calls as a form of XXXX, as they are the least secure method of XXXX available today. ( See https XXXX XXXX XXXX XXXX XXXX XXXX  And in XXXX of XXXX, the FBI issued an alert, XXXX, which described the rise of XXXX swap attacks being used to steal millions from companies who are using SMS and voice calls as a method of authentication. ( See XXXX  : XXXX for the alert. ) Some of the largest hacks of the past XXXX years have been the result of compromise to SMS and voice call authentication mechanisms. The risk is not remote. 

To require a cell phone to be used for authentication is not only an inconvenience to those who do not have one, but it puts Citi 's customers at risk by involving wireless carriers as part of the process. This is an undue burden that should not be imposed on Citi 's customers, and it must not be an excuse for holding up reward point redemption.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Received a new filed debt collection from XXXX, for XXXX XXXX {$290.00}. 
There were 2 previous companies that filed this same debt. The 2 previous debts were also disputed and the companies withdrew.

This is not my debt. I have never used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX Item 2 : I do not live at ; XXXX XXXX XXXX XXXX, XXXX  XXXX I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please correct the information that is on my report because it is incorrect. 

Item 3 : XXXX  XXXX The amount of the debt is incorrect. 

Item 4 : XXXX XXXXThis information is not correct. The amount is not correct. 

Item 5 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 6 : XXXX XXXX XXXXThis information is not correct. 

Item 7 : XXXX XXXX XXXX -- - The amount of the debt is incorrect. 

Item 8 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 9 : XXXX XXXX is not my account. It is incorrect. 

Item 10 : XXXX XXXX XXXXThis is not my account. It is incorrect. 

Item 13 : XXXX  XXXX XXXX I did not authorize or open any new accounts. 

Item 14 : XXXX XXXX XXXX did not authorize or open any new accounts. 

Item 15 : XXXX XXXX did not authorize or open any new accounts. 

Item 16 : XXXX XXXX XXXX not authorize or open any new accounts. 

Item 17 : XXXX XXXX XXXX I did not authorize or open any new accounts. 

Item 18 : XXXX XXXX I did not authorize or open any new accounts. 

Item 20 : XXXX XXXX XXXX- I did not authorize or open any new accounts. 

Item 21 : XXXX XXXX This is not my account. It is incorrect. 

Item 22 : XXXX  XXXX I did not authorize or open any new accounts. 

Item 23 : XXXX I did not authorize or open any new accounts. 

Item 24 : XXXXI did not authorize or open any new account with this vendor. 

Item 25 : XXXX XXXXI did not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]

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 2022-12-15 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]

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 2022-12-15 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am filing this letter because I am a victim of identity theft and have not made the changes on this date XXXX. There are FRAUDULENT ACCOUNTS AND INQUIRIES ON MY ACCOUNT AND I NEED THEM DELETED IMMEDIATELY. I have made my identity theft report to the federal trade commission, CFPB, and XXXX All of the following accounts listed under are fraudulent and going against my CONSUMER RIGHTS BY VIOLATING MY PRIVACY TO MULTIPLE COLLECTION COMPANIES. PLEASE DELETE THIS MISLEADING INFORMATION 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 non-monetary relief
Consumer complaint received 2022-12-15 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:
Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law XXXX which suspended the GOLD Standard and exempted US citizens from paying XXXX, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give TRANUNION, XXXX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, XXXX5 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- U.S. DEPARTMENT OF EDUCATION ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT NUMBER- XXXX DATE XXXX ACCOUNT NAME- XXXX  XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED- XX/XX/XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX XXXX XXXX XX/XX/XXXX ACCOUNT XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER- XXXX DATE OPENED- XX/XX/XXXX First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, EXQUIFAX, and XXXX, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation