vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting, I, the consumer has advised that XXXX account listed was not authorized by consumer. I am now requesting Experian to provide the documentation used to determine account was indeed authorized by the I, the consumer. Experian has 10 days to provide me with the name of the person spoken to documentation used, signed application with my wet ink signature, I am not asking for an e-oscar report. If Experian does not have documentation to show this account was in fact authorized it must be removed ASAP. per 20 USC 1232G section ( b ) Release of education records ; ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information ) said companies are in violation of this law along with 15 usc 1681b 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 instructions of the consumer to whom it relates. 
No one has gotten my written consent to report XXXX account ( please provide all WRITTEN DOCUMENTS FROM MYSELF that gives you consent to do so ) I will be filing form 211 treasury omb to audit my account. Experian is securitizing I, the consumer data, yet refuses to provide me with a copy of my CONSUMER CREDIT FILE NOT REPORT

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 2024-01-26 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: IL

Complaint narrative:
There has been constant fraudulent activity from an internal source working at this company that keeps putting fraudulent and personally identifying information on my fraud alerts and my credit report that no credit bureau discloses, that I never gave to them or admitted to, each dispute proves the fraud to be untrue and 3 months later it shows back up on my report. I've had fraud alerts and even a locked report via paid services with this bureau, and that has only proven to be false advertising and yet again, fraud! I've demanded internal investigation into who these employees are that keep targeting me specifically by illegally altering my report and putting information on it that keeps me a victim of id theft even w/ their paid products. I've mailed & faxed in the police report that started this gradual descent into peonage and this bureau fails at what it claims to stand for. This is corporate bullying at best and needs to be exposed as such along w/ a full federal investigation & audit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX from XXXX. I answered, and then the call hung up. I called back, and a representative - a woman - answered. She asked for me by name, I said " yes ma'am. '' She proceeded to disclose my full social, full name, and full address without first verifying it was me and without saying " this is an attempt to collect a debt. '' When I tried to point this out to her, I guess she realized I was correct, and she said " oh XXXX '' and hung up on me. They called last week, claiming I owe a loan from XXXX, and that I was being taken to court by their attorneys and being served at my home for this. It's all false since I wasn't eligible to take out loans in XXXX in any capacity. I no longer feel safe. I think this is a huge violation of privacy, and this company should be held accountable for this. I plan to work with an attorney to sue for corrupt collection practices. But this definitely needs to be on the record somewhere in case someone else is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a stall letter regarding the investigation of my previous dispute, I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. 
Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly with in 30 days. But all I got was a generic stall letter with no real updates or progress. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. i sent letters Certified so they can not denied that they have not received them. 
Tracking number USPS : XXXX  and 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 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MOHELA
State: MN

Complaint narrative:
My current balance as ofXX/XX/XXXX is {$57000.00}. On XX/XX/XXXX, I received a letter from XXXX for my XX/XX/XXXX application that is still processing discharge. XXXX discharged {$26000.00} of my Federal Loans. However, all of these loans were consolidated back in XX/XX/XXXXwith XXXX, now MOHELA. In the attached letter it states : " Consolidation - If any of the loans associated with your approvedXX/XX/XXXX application were previously consolidated into a XX/XX/XXXX the servicer of that loan has reduced or will reduce your consolidation loan balance by the discharge amount. '' My loan with MOHELA has not been reduced by the amount in the letter. This needs to be corrected so I can have a correct balance when entering repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I moved to another house and I never received any notification or email from Macys and they said I was missing couple of months payment then had me pay over {$350.00} in interest without getting back to me to ask for my new address or send me any notification

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 2024-01-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2024-01-26 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: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
After reaching out to this company dispute a fraudulent card in my the company used my personal information to update the account and reopen the account after fraud. This is engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not agree upon this or ask them to reopening this account. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Company is Best Buy, XXXX XXXX DC - Monday XX/XX/2024 my XXXX Phones did not work. On XX/XX/XXXX I went to the XXXX Store in our town and determined someone from a Best Buy iin another city had an in Store purchase accessed our XXXX account and disconnected our devices, they tried to set up other devices on the account. XXXX fixed our account. Today XX/XX/XXXX, we have emails stating an credit card was set in our name with {$1900.00} dollars worth of charges on a Best Buy Credit card. I would like Best Buy to delete/purge their system of my profile/information from their system and provide me proof of no other existing credit accounts. If this can't be done freeze our accounts from any additions to be created.

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 2024-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I disputed this debt in 2020 and it was then removed from my credit report now after months later it is appearing again stating it was opened later than when it originally was I was a previous victim of fraud also and had an alert placed, I was told I would get a call back for my concerns and never received the call back. I would like to know why it was removed due to me having no knowledge and now it appears again, It should be removed at once and it is currently showing in a way on my credit report that my chances of getting a job is affected. I have no knowledge of this account and it is a small amount if it were owed truthfully by me i would pay but it is not. This is not the way you do business. I can provide proof it was disputed and removed in 2020 via XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 of 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 2024-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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
Consumer complaint received 2024-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
i purchased 4 Vanilla Gift cards from XXXX {$50.00} {$50.00} {$100.00} {$200.00} for XXXX gifts. The cards were shipped to my address but were not activated I called XXXX XXXX they sent me over to VanillaXXXX i put a claim in Claim # XXXX sent the receipt my ID a bill to verify my address on XX/XX/23 they keep telling me to call back in 7 days every time i call. XXXX XXXX will not issue me a refund and Vanilla wont give me new cards or my money. At this point I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: NJ

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
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I went to the atm to do a cash deposit of {$200.00}. A followed the prompts and put my money in the slot when directed. A few seconds went by and it sent one of the XXXX {$20.00} bills I had placed inside. I removed it but the door stayed open. After a few seconds it said to remove the bills but I already had taken the one bill it sent back out. Then after a few more seconds it closed the door and said my transaction was canceled and my money had been retained. I tried to do this after hours so I called the banks XXXX number immediately. They said they would treat this as a fraud claim. That is not what this is. Its an ATM failure. They told me it would two weeks to get a provisional credit. So I went into the branch the next day and was told they dont service the atm themselves. A third party does. I was told that when they come in my money will likely be found and my account credited but that hasnt happened. I need someone to advocate for me or at least advise what I need to do. Thanks

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