vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-26 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:
The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove

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 2024-06-26 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:
The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST has constantly reached out in regards to a collection, that was fraudulently opened under my name.

I am aware that this is a collection company and i am not even sure what type of account was opened to begin with.

I never authorized this account nor opened up this account that is now showing in collections on my credit report.

I have filed an FTC report on the matter on XX/XX/year> I have also mailed out dispute letters regarding accounts fraudulently opened under my name to all three bureaus XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Two weeks ago, I received a letter from the IRS saying that Citibank had sent them a 1099c for me. I immediately called the IRS and informed them I knew nothing about this. I call Citibank the next day and the customer service person said they can not find any information about a debt I owed.

I went to a branch to get an answer. The bank manager told me that a Citi Plus account was added to my checking account in XXXX. She said the account was no longer on her system and gave me the phone number to reach the recovery dept.

I called and reached someone in the recovery dept. I explained to them what happened to me with the IRS and asked for the following information.

Did you mail, email, or call me about the debt? the response was I can't see any info. Did you sell the debt to a collection agency? Yes, it was given to a collection agency. Did the collection agency contact me? He said he did not know ; he then told me the debt was written off in XXXX, and the account was removed from them. 

I informed the banker that there are rules and regulations when collecting a debt.

First, you have to inform the customer that they owe a debt. Then, you or the collection agency need to inform the customer that collection has started. Finally, the bank or collection agency will report a charge-off on your credit report.

None of the fair credit reporting rules and regulations were followed. I've called Citi Bank 21 times regarding this matter, and I keep on getting the running around. I called each credit bureau to find out if a collection from the bank was on my accounts in XXXX, XXXX, XXXX, XXXX, and XXXX, and they said nothing from Citibank was reported on my account.

I'm presently dealing with CitiBank regarding a scammer who went into my bank account and stole my money. Citibank is turning out to be a menace to society and ripping off consumers left, right, and center. The
Hacker or Scammer changed my address and email, and I asked Citibank 11 times to remove it. They still have it on my account and recently sent a check to the scammer. Citibank needs to be STOPPED. Even the attorney general is going after them.

I was told it went to collection in XXXX and charged off in XXXX The collection agency was XXXX XXXX, who said they no longer represent Citibank. 

I spoke to XXXX and XXXX at the Citibank Executive Office. XXXX XXXX XXXX XXXX Citibank Executive Office Fax number is XXXX XXXX XXXX I need your assistance to help me resolve this injustice.

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 2024-06-26 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:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA

Complaint narrative:
They call daily around XXXX and continue to call of the course of the day up until XXXX. I have asked them numerous times to stop calling and send me written documentation. I have asked them to only communicate with me via mail and they have not complied. The representatives are rude when asked questions so Im able to verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: MS

Complaint narrative:
I strongly urge you to address this error and clear me of any responsibility promptly. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-26 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: FL

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Friday, XX/XX/XXXX, I initiated a legitimate wire payment at Capital One to make an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The wire was initially held up, probably due to fraud concerns. Makes sense -- I don't send many wires, and I don't think the compliance person understood the difference between a legal entity name and a XXXX alias. My accounts were also labeled " Your funds are currently not available for withdrawal, please call us at XXXX  '' I called to have the wire issue resolved. They reversed the wire charge, removed the compliance hold, and told me I should wait about XXXX minutes, and then I could initiate the wire again, and it would probably go through. So I waited. 

At no point in the interim has the " Your funds are currently not available for withdrawal '' message disappeared. I can not withdraw money, transfer money between accounts at the same bank, make payments on credit cards, pay bills or childcare. I have over $ XXXX in deposits with this bank. All of my bills come out of the primary checking at this bank. And now I find that I can not transact at all. 

I have made XXXX calls in 3 days. Each Customer Service rep has verified that there are no holds on any of my accounts. Suggestions were made to wait a while, delete the app and log back in, etc. None of this helped. 

On the last call, I was escalated to a " digital issues '' XXXX who also could not find any holds on any accounts ( or joint account holders ) that would preclude me from withdrawing money, paying bills, or otherwise transacting in normal ways. He escalated to the " back office digital issues '' team, which has a turnaround time of 5 days via email. 

In the meantime, I have credit cards, a mortgage, child care, and other bills to pay, with no access to our primary bank accounts. I'm not really sure what I'm going to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/year> I requested that Equifax, XXXX and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MCM just replies with the same message as a robot. MCM have not answered nothing I have stated. This is the same reply as the one before. Why is CFPB closing the dispute? Cease and Desist. From whom? MCM? Who are they? A Debt Collector/ Creditor? So, lets close the dispute because MCM they can copy and paste a template response? Lol. Sounds really professional. Why is CFPB allowing fraud? Again, why have Consumer Financial Protection Bureau not following their own rules and regulations? A debt collector like MCM may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 USC 1692e and 15 USC 1692f. Let 's ignore the law. MCM is falsely claiming to be a creditor when it is also claiming to be a debt collector under 15 USC 1692e ( 11 ). The use or distribution of any written communication that simulates or is false represents a document authorized, issued, or approved by any court, official, or agency of the United States or any state that creates a false impression as to its source authorization or approval. 15 US 1692e ( 9 ). Let 's just welcome fraud. So, from the beginning MCM is a fraudulent company. But what they are saying must be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
My daughter was seen by a XXXX XXXX. And XXXX XXXX fell to properly bill my private insurance and also Medicaid. For the balance out of know where i see the bill on my credit report. XXXX XXXX was suppose to bill my daughters Medicaid For the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My information was compromised & fraudulently used without my permission ; While I was stationed XXXX, serving in the XXXX XXXX. 
My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ). 

I have never received any benefit from the fraudulent account herein, and/or its affiliates & under federal law, I am NOT responsible for the perpetrator ( s ) fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Student loans on my credit report should not be shared with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation