vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 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: IL

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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-06-14 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached 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.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a US Treasury check deposit in the amount of {$28.00}, XXXX at the XXXX XXXX Citibank branch on XX/XX/scrub>XX/XX/2024. Shortly after I made the deposit I noticed that my debit card was not working. I then visited the branch and was informed that my account was blocked because they were reviewing the check and the review would take 48 hours. I waited for two days and then contacted Citibank about the situation and they informed me that my account was still blocked and that I needed to visit a branch and verify my identity and address. I visited the Citibank branch and provided my passport, mail, as well as source of income which included my tax return. They then told me that they would not accept any of my documents and that I needed a drivers license. I went to the DMV and purchased a drivers license and then went back to the branch and provided them with it. I was then told that it would take 48 hours to review. As of XX/XX/2024 my account is still blocked and I still do not have access to any of my funds. I have provided more than enough information to verify my identity as well as proof of address. I have provided this information to more than one branch. At this point I will be taking legal action because there is no reason why I shouldn't have access to my money or my account. I believe I am being discriminated against. This bank is in violation of regulation cc.

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 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2024-06-14 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: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2024-06-15 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Ive been disputing this account since it popped up on my credit report. All the collections agency does is put a note on the account that the consumer disputes. I dont know what this is. Ive called XXXX and they also have no idea what this is for. Im a current XXXX home and mobile customer and have been for over 10 years! I was never notified by the collection agency about this debt! After reading reviews about this company Im confident this debt doesn't belong to me especially since Im still and have been a XXXX customer. This Transworld company is reporting inaccurate information across all credit bureaus and is making a negative impact on my credit. Please remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
After reading about the many violations that USAA has been accused of, as well as their lackluster fraud investigation practices, I decided to close out my membership with them. I do not have any open products or insurance services with them and do not want to use their services. When I called in to ask about what I needed to do to remove my data from their core system, I was informed that it was not possible. They told me that they keep the profiles on the system regardless, in case I want to return later on. I expressed my concerns and stated I was not interested in retaining the relationship and did not want my profile to be kept on their system. I asked about how long it would need to sit before it was purged, and again they stated that it was not possible to remove my information and that it would never be removed. I asked to have a copy of the privacy policy sent to me for review, and asked for help finding where this was communicated. The representative was unable to tell me where to find this information and said he would email me a copy of the policy but did not. I then asked to be transferred to a supervisor, the representative stated he was who deals with escalations. Instead I was transferred to the web services department, where they did assist me in restricting my membership. Regardless, it causes me XXXX to know that my private information remains on USAAs systems and that they continue to hold a membership for me that I do not want. I have no interest in their services and want to end my relationship with this company, and I dont understand why that is not possible. The representative was not able to give me a good explanation for that, was not able to escalate my complaint, and did not send me a copy of the privacy policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, Account # XXXX, and under the account name XXXX XXXX XXXX, has violated my rights on multiple fronts. FCRA Section 602A mandates that consumer reporting agencies must ensure the accuracy of the information they collect, maintain, and report about consumers. However, XXXX XXXX XXXX has failed to comply with this requirement, resulting in misleading and inaccurate information being furnished to creditors and other entities. 

Moreover, under FCRA Section 605B, consumer reporting agencies are strictly prohibited from including medical information in a consumer 's credit report without the consumer 's consent or unless required by law. Despite this safeguard, XXXX XXXX XXXX has included sensitive medical information in my credit report without any legal basis or my permission. This unauthorized disclosure of medical details not only violates my privacy rights but also undermines the fairness and accuracy of my credit report. 

Additionally, under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as XXXX XXXX XXXX must cease collection efforts until they provide verification of the debt upon the consumer 's request. Despite my repeated requests for validation of the debt they claim I owe, XXXX XXXX XXXX has continued aggressive collection actions without providing any satisfactory verification. 

These egregious actions by XXXX XXXX XXXX have caused severe financial distress, damage to my reputation, and emotional turmoil. I demand immediate correction of my credit report to remove all inaccuracies, including the unauthorized medical information, cessation of all collection efforts until proper validation of the debt is provided, and compensation for the damages and emotional distress caused by their unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, Account # XXXX, and under the account name XXXX XXXX XXXX, has violated my rights on multiple fronts. FCRA Section 602A mandates that consumer reporting agencies must ensure the accuracy of the information they collect, maintain, and report about consumers. However, XXXX XXXX XXXX has failed to comply with this requirement, resulting in misleading and inaccurate information being furnished to creditors and other entities. 

Moreover, under FCRA Section 605B, consumer reporting agencies are strictly prohibited from including medical information in a consumer 's credit report without the consumer 's consent or unless required by law. Despite this safeguard, XXXX XXXX XXXX has included sensitive medical information in my credit report without any legal basis or my permission. This unauthorized disclosure of medical details not only violates my privacy rights but also undermines the fairness and accuracy of my credit report. 

Additionally, under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors such as XXXX XXXX XXXX must cease collection efforts until they provide verification of the debt upon the consumer 's request. Despite my repeated requests for validation of the debt they claim I owe, XXXX XXXX XXXX has continued aggressive collection actions without providing any satisfactory verification. 

These egregious actions by XXXX XXXX XXXX have caused severe financial distress, damage to my reputation, and emotional turmoil. I demand immediate correction of my credit report to remove all inaccuracies, including the unauthorized medical information, cessation of all collection efforts until proper validation of the debt is provided, and compensation for the damages and emotional distress caused by their unlawful conduct.

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 2024-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
The Debt was " charged off '' and a year later the account was reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX I called Amex back up after the first employee intentionally disconnected the phone on me after putting me on hold. I was eventually connected to another employee who actually seemed like she wanted to help. She was instead directed to send me to the Executive Office- a remnant of years ago when the company unilaterally closed my account in retaliation for me reporting its abuse. This further wasted my time. 

I proceeded to call this Team and the employee could not explain why I did NOT receive an email from the XXXX guide for XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, all of XXXX and going back into XXXX. She just kept victim blaming saying I must have signed up for it again. 

Nope. You all unilaterally signed me up for it. 

She then acted like it was not part of AMEX but a separate company, while the email I received literally prompts the user to open an AMEX website. 

She also told me there was an unsubscribe button on the bottom of the email. No there is not. 

The AMEX employees just never seem to know what is going on. It does not matter what the service or issue is nor what year it is. Your employees constantly provide employees with incorrect information while wasting customer 's time. And then you victim blame customers as this waste of time aggregates into abusive absurdity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or repaired immediately. 

XXXX XXXX XXXX and 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 2024-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a trust fund account that the government has been using it to create abbrtrations that I have not authorized my name has been used to create business accounts without my validation I have been denied access to these accounts to provide stability in my life I have been harassed electronically physically and mentally they have created unverified accounts using XXXX XXXX hacking my emails and using my name credit info to create LLC to gain access to these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: AL

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief