vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.

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 2021-07-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
We went to a local credit union today to open an account. While opening the account the credit union employee told me that Experian had XXXX social security numbers under my name. I called Experian to fix the issue and could not get anyone on the phone, it was eternal automated support. It was an experience I care to never repeat, I just wanted to get the error cleared up.

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 2021-07-07 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: PA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Yes I am owed XXXX since XX/XX/2021 I tried to get the bank to transfer the overpayment to my interest checking they refused to refund my overpayment and talk to me on the phone

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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The following companies are not licensed to collect debts in the state of Texas and/or past the statue of limitations to collect monies not owed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems , Inc . 

XXXX XXXX XXXX, XXXX are still trying to collect this debt which I do not owe since 2016. It has been taken off my credit report several times but this company keep falsely reporting a new open account date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called into TransUnion in mid XXXX about some unauthorized inquiries on my credit report. The rep told me that they were starting an investigation and that I would be able to get these removed. I never heard back from TransUnion following this. So on XX/XX/XXXX, I sent in several letters disputing this information. After 30 days, on XX/XX/XXXX, I did not receive a response from TransUnion. I sent in a 30 day demand to comply, demanding that action be taken because the investigation has took longer than 30 days. This is illegal. According to the Fair Credit Reporting Act, these inquiries must be removed as they are unauthorized and unverifiable. I do not want to wait any more time for a longer investigation. I am now coming to you to enforce your laws and protect the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction I am complaining about.

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello, I am in need of assistance with an issue my husband and I are experiencing with Citibank. On XX/XX/XXXX, I attempted to use my debit card and it did not work. I contacted Citibank and was informed that they had blocked my account and scheduled it to be closed due to a check that was deposited that bounced. At no time was my account in a negative balance due to this check. My husbands direct deposit of {$4100.00} was also deposited and we were not able to access it. Ive spoken to Citibank several times and it seems that our account is in limbo. We are not getting any resolution and we are unable to access several thousands of dollars that we need to pay our mortgage, car payments, and to feed our XXXX young children. Citibank has advised me that the only way we can get our funds is by visiting a branch or wait for a check. Ive explained to Citibank that there is not a branch in the state of Arizona where we live and that not having access to our money is causing a great financial hardship on our family. I cant get anywhere with Citibank. In the mean time, my family is suffering financially and the stress that this issue has caused is unbearable. Ive asked Citibank to either close the account and send us our funds ASAP or make the funds available for us to use through a debit card, online bank transfer or cashing a check from this account. When I call, I get different people and none of them seem to know what to do. This is just unethical and terrible.

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 2021-07-07 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: I.C. System, Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I submitted the payment of {$30.00} electronically from their bank and they drafted another {$30.00} out of my checking which was not due and have held the funds for over two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit is attempting to collect a debt they can not legally verify and the statute of limitations has expired. Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: NJ

Complaint narrative:
The attached exhibits clearly display each violation of federal law against my consumer rights that Fed Loan Services has committed and if I did not send a cease-and-desist letter on XX/XX/2021, Fed Loan Services would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. Fed Loan is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. Fed loan Services also has been sharing my information with XXXX parties that were not involved at all with the initial consumer credit transaction which also violates federal law. Fed Loan Services has caused much pain and hardship for me and my family as consumers and they must be stopped before Fed Loan Services continues to violate other natural persons consumer rights. The referenced Fed Loan Service account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, XXXX  XXXX and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I received a call from Capital Ones fraud department, asking to verify my information on my employment to make sure I was eligible to receive the grants and eidl loans from the SBA. I spoke to the woman for XXXX minutes, she verified my information and said everything was good to go. On XX/XX/XXXX I received a {$14000.00} deposit for my eidl loan increase, the remainder of my total amount of {$19000.00}, my first amount was for {$4800.00} in XXXX or early XXXX. Prior to receiving the remainder of my loan I called and spoke to capital one again on XX/XX/2021 because I hadn't had my application approved by the SBA yet but the woman I spoke to previously, a month prior, already knew the amount I applied for so I was making sure they didn't mess anything up. They said that if I hadn't had my loan portal updated to approved then the deposit won't show as pending on my account, ok, fine, that makes sense, they said yet again that everything was fine. So on XX/XX/XXXX I received the call from the loan officer at the SBA and they approved my loan increase, I received the funds the XXXX of XXXX, like I said, then the next day at XXXX p.m. central time I received an email from Capital one that they had put a fraud hold on my account to verify my information and asked for tax returns and statements showing I received refunds, so I immediately sent it to them and after that I called them ... .yet again, only to get told that they're investigating me for fraud and should be cleared within XXXX business days. It's been a week. I have yet to hear anything back and have had literally every bill I have to pay returned because they've frozen my available {$7000.00} plus left in my account. Currently I am {$26000.00} overdrawn in an account that I used for everything because they put a {$34000.00} fraud hold on my account which is the total amount of the grants and eidl I received from the SBA. This is after they have talked to me twice before the hold and verified my information and said it was all ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have noticed unauthorized inquiries on my Trasunion Report as follows : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Transunion customer service department did not help remove the negative inquiries that are reporting on my credit 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 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Days ago a current credit account I have was closed based on wrongful information on the attached Trans Union credit report dated XXXX. This information is marked on the attached showing a high balance of {$8400.00} from XX/XX/XXXX -- -through XX/XX/XXXX. 

This is impossible!!! until XXXX of XXXX my credit limit was only {$1100.00}. In XXXX of XXXX was increased to {$8000.00}. This report shows my high balance was as stated above is INCORRECT and has caused my other credit account to be closed based on this wrongful information. I have had this account since XXXX and never missed a payment. 

I have Never gone over my credit limit EVER. In XXXX my credit limit was increased to {$8000.00} and I have not ever gone up over it!! nor ever at any time since I opened this account in 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 2021-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation