vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
there has been hacks into Equifax XXXX XXXX and XXXX systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Equifax and XXXX have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX XXXXXXXX has removed the XXXX as requested. 

Inquiries I disputed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I have Citibank account and I just open my account like 5 days ago Im a new customer and I deposits a check of {$1500.00} into my account and they return the check back and also they told me my account is blocked and is going to be closed I dont understand why if the deposits came from me and they saying that is was suspicious of what if I deposit the check my self can u please help can I apply for a new account? Or what should I do? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely reporting information on a consumer 's credit report. 

I am writing to file a formal complaint against LVNV Funding LLC regarding falsified information on my credit report. LVNV Funding LLC has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and misleading information, which is damaging my creditworthiness and financial reputation. 

However, I have never had any dealings or transactions with LVNV Funding LLC, and I believe this information is entirely fabricated. 

The actions of LVNV Funding LLC are in direct violation of the FDCPA, which prohibits debt collectors from engaging in deceptive, unfair, or abusive practices. By falsely reporting information on my credit report, LVNV Funding LLC has violated my consumer rights and caused me significant distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On behalf of Regional XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. has not provided a letter to my address indicating ( on paper ) that this debt has been paid, despite the fact that the debt has been satisfied. I have had conversations with three representatives, and each of them has informed me that a letter will be sent to my address via mail to demonstrate that the debt has been satisfied ; however, as of this writing, I have not received said letter.

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 2024-03-16 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:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY TRANSUNION, XXXX XXXX REPORT I HAVE UPLOADED MY FTC REPORT UNDER OATH THIS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681a. ( 2 )

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was in the process of purchasing a home and these issues became a problem. I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXXXX/XX/2024 & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have these 2 XXXX XXXX HARD INQUIRES removed from my credit report 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Hello, Back in XX/XX/2023 I made a dispute about a transaction for {$2400.00} that happened at XXXX. I dispute this charge because it charged my debit card but I paid with cash and had a receipt to show the transaction. Well, Moneylion told me that, The merchant has 30 days to respond to a chargeback request. Depending on the transaction type and merchant responses, the chargeback process may take 30 to 90 days. They also say that a Final Determination : Theyll send you an email when we've finished our investigation and made a decision regarding your dispute. The final determination will come within 90 calendar days of the filing date ( this is Moneylion Dispute Timeline ). Its past 90 calendar days and they still havent gave me my money. On the 85 day, they emailed me asking for a receipt of the transaction that happen on XX/XX/2023, almost 3 months and they now act like they want to work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime.com. I received multiple emails from Chime yesterday indicating I had opened an account, set up direct deposit, and then had rejections on two charges of {$2500.00}. The address and phone number associated with the account were not mine. 

I called the number on the chime.com website to report the fraudulent activity. They asked for my name and either last 4 of SSN or DOB ). I gave my last 4. 

After putting me on hold for a minute, she said they found the " fraudulent account '' and closed it, but needed my email address to send me the confirmation. 

I told them they have my email address already, since they have sent me multiple emails. She said " all I can see is the information you gave me '' ( name and last 4 ). I asked for any other information at all so I could verify they actually have my account info, she said no. I asked if she has my DOB, she said no. I said, is there anyone in your organization who can see my account information beyond what I gave you? She said no, no one can see that. 

I told her that anyone I give my email to could send me an email, but a true confirmation email would come from someone who already has my account into and email address. 

I have no confidence whatsoever, that this is even a legitimate support center, that this account was actually opened, or whether it's closed. I found similar experiences posted in online forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NJ

Complaint narrative:
I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, 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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I got an email scam about a delivery package delay and required information and took me to a link and I check my bank statement and they took XXXX dollars from my checking 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 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I called credit acceptance corporation, and told them that the vehicle was stolen XXXX times out of my apartment complex the third time I just let it stay at the impound lot and I called them to tell them to go pick it up from the impound lot. They said thats not their job and I am still responsible so the city of XXXX sold the vehicle, and theyre still reporting on my credit after three years credit acceptance corporation is very rude and unprofessional. I would not recommend them to empty body trying to buy a vehicle because they will screw 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 explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have requested by phone and certified mail a copy of the original promissory note and/or contract along with any 1099 tax forms filed. I need to get my books in order for accounting and taxes. They continue to claim its a strawman or redemption or accepted for value. Totally unrelated to the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: TX

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, XXXX 's, and Transunion 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, XXXX, and Transunion have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including XXXX, XXXX, and Transunion , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, XXXX, and Transunion to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-03-16 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: TX

Complaint narrative:
Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: MD

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.

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 non-monetary relief