vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
on XX/XX/XXXX, citibank locked down my checking account ( XXXX ) with no explanation. my case i.d . is XXXX XXXX. 

XX/XX/XXXX, i was referred to citibank employee, XXXX XXXX, who said they needed my employment information from 30 years ago (!? ). that was sent. then she referred me to XXXX XXXX at XXXX XXXX  never responded to repeated calls. 

XX/XX/XXXX, my citibank credit bank 's auto payment from my checking account was cancelled. this credit card pays my father 's recurring XXXX premium. at this moment, two physicians are trying to prevent the XXXX XXXX XXXX XXXX XXXX XXXX. my father 's credit card also pays for his prescription drugs which average {$1500.00} a month and are necessary to keep him living. 

XX/XX/XXXX, i contacted XXXX XXXX again and told her i lived off my social security and IRA with some gifted money from my father at XXXX  she told me i was suspected of money laundering because i transferred several XXXX XXXX  over several months to my checking account from XXXX  XXXX. i make similar transfers to XXXX XXXX XXXX and they have never locked down my account. a loyal customer for 30+ years without a blemish and i am accused of being a criminal. 

last year, i received a {$100000.00} home equity loan from citibank after filling out mountains of information. i repaid the loan after one year. my XXXX old father lives in his own house and requires a 24/7 salaried caregiver. his annual expenses approximate {$100000.00}, a third of which is medical. 

my father has over {$1.00} XXXX managed by citibank in their equity fund which he began 20+ years ago. the checking account amount is currently 1 % of his citibank stock holdings. would citibank like us to move this equity fund money elsewhere? 

it has become obvious that citibank divisions do not communicate with each other. i told XXXX XXXX about my home equity loan but her checking account division can not contact them!? they can look at my online citibank accounts and see that i have a {$100000.00} line of credit for future use. citibank locks down my five-figure checking account but keeps open my six-figure line of credit? 

if whoever looked at our credit card charges, they would see ordinary purchases plus a huge pharmacy bill. 

does any of the above fit the pattern of a money launderer? or does this fit the pattern of a XXXX old social security recipient caring for his XXXX XXXX XXXX father? 

citibank should get on its knees every night and thank god for XXXX XXXX XXXXXXXX. or citibank would be the worst bank in the world.

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 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
received a call about a fraudulent charges on my account that I was not able to see and they said it was because they were stopping it. They knew information of mine that I felt only the bank should of known. They sent me access codes but I did not notice that one of them was a XXXX number. They withdrew {$3500.00} from our savings account. I reported it to the bank but they denied the claim and said they would try to contact the recipient to see if it is true.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for TransUnion and on XX/XX/XXXX a return receipt for XXXX. XXXX, TransUnion and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for Experian. Experian, XXXX and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.

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 2022-08-28 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: TX

Complaint narrative:
This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX. Account Name : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT ED/AIDV Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : US DEPT ED Account # 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 2022-08-28 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: TX

Complaint narrative:
This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX. Account Name : XXXX XXXX Account XXXX XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT ED/XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-28 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: OH

Complaint narrative:
XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX  asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit

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 2022-08-28 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: OH

Complaint narrative:
XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
was denied by the company for applying for a credit card even though i already had one from the same company with the cards ' date expired off from my mothers account and tried to get onto my own account, and had to cancel the same card. then apply for my own credit card account instead of reactivating the same card. then getting denied a new credit card because i have little to no credit from a background check from XXXX. 
this was discriminatory and didnt even offer any options of new credits or cards for me. 
ive even XXXX XXXX XXXX XXXX for 6 years, and new about the credit cards offers. 
ive never missed a payment, and a 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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Inaccurate credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
I recently made a report. I have spoken with the creditors and all three credit bureaus. In regards to this matter. On XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I have XXXX XXXX XXXX. I was in the process of 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 in XX/XX/XXXX. In XX/XX/XXXX I was transferred to XXXX XXXX XXXX XXXX. In XXXX I was being XXXX to go home they were setting up my in XXXX XXXX XXXX and XXXX XXXX and found out my Medicare had been cut off. I contacted social security whom advised it was due to work credits. Well I hadn't worked so they did their investigation and sure enough someone had a job in my name. The company stated that it was a remote position was remote and all documents were sent to them via email. This made me check my credit and it also had been used. Not just mine but my husband and daughter. Im still trying to figure out my other kids. My husband believes it was the movers because my little red folder couldn't be found. My husband said he didn't have time to worry about it at the time he just obtained all new docs for everyone. This is hurting us my XXXX and insurance has been comprimised all because someone chose to use my identity. We have filled a police and FTC report. We are waiting on the police report to complete but. I will attach the FTC reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Inaccurate credit reporting, erroneously reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. XXXX, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with Hyundai. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that Hyundai reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with Hyundai from 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 2022-08-28 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: SC

Complaint narrative:
I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX ( Bank ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Name : Midland credit management Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : XXXX XXXX XXXX Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) XXXX : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

Account number 226581 has no accurate information no name no accurate phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Inaccurate credit reporting, erroneously reported information

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 2022-08-28 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: NJ

Complaint narrative:
i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


XXXX .... XXXX name ... .. XXXX XXXX XXXX XXXX ... ... XXXX name ... ..XXXX XXXX XXXX  XXXX XXXX ... . 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 2022-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


acc .... XXXX name ... .. XXXX XXXX XXXX acc ... ... XXXX name ... ..XXXX XXXX XXXX XXXX XXXX ... XXXX 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 2022-08-28 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Soc : XXXX Re Acct : XXXX XXXX XXXX XXXX Complaint XXXX XXXX XXXX Credit Card Also known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York NY XXXX This complaint against the above listed entity is due to a fraudulent product which violated the FCRA and Federal Banking regulations. 
The company offers a secured credit card that relies on payments being made through an attached debit/checking account. 
The company in this case and as reported by other consumers routinely freezes the attached checking accounts and allows the consumer no method of making payments to the credit card. The consumers credit report is then reported as late. This in effect forcing consumers in derogatory marks on their credit report and violated established banking practices and the FCRA. 
I am requesting that the company remove all records of this fraudulent product from my credit file. I a also requesting that the CFPB investigate instances of consumers being reported late due to frozen accounts. It is my belief due to reports and complaints online that thousands of consumers are being defrauded and caused irreproachable harm due to the fraudulent acticties of this entity.

Company response to consumer: Closed with explanation