vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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:
XXXX, XXXX and Experian have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXXXXXX XXXX XXXX history of XXXX years, XXXX  months

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 2023-10-10 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: VA

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2023-10-10 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a Citibank customer since XXXX with a $ XXXX credit limit. I am a single XXXX, and have been living with a son full-time since he was XXXX in XXXX. I was living off the card and was paying it down when I had medical issues that prevented me from working for 2 years. I got back on my feet and agreed in early XXXX to pay down the remainder @ {$500.00} per month. I calculated I have paid over $ XXXX in interest to date. I am now XXXX, not working, and have no income. I called Citi to ask if I could reduce or eliminate the remainder of the balance as I could not afford the {$500.00}, did not want to ruin my credit and subsequently file for bankruptcy. I was told that since I have paid off the principal and was not able to pay {$500.00}, I should pay XXXX more month and call next month to settle. I called this month and was told to call back next month again, and that there is no settlement that can be offered. With some persistence, I learned if I fail to pay for the next XXXX or 4 months ( this is an automatic deduction from my depleted checking account ) there may be a settlement offered, but no guarantee that 1 will be offered. So my credit is about to be ruined, and no settlement is offered until that damage is done. I need assistance.

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 2023-10-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, Dept of EdXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 Section 602A 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 2023-10-10 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: PA

Complaint narrative:
I have not initiated any transaction with any of these companies as listed : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Square has my businesses repeatedly for Square Email Marketing, a service that I have never ordered, requested, tried, or wanted. The first time this occurred we received no email or notifications that were being billed {$50.00} a month and only learned of it when we reviewed our account while preparing XXXX taxes. We requested and received a full refund and stated that we did not want to use this service and never signed up for it. On XX/XX/XXXX we received an email for {$95.00} for Square Email Marketing. At no time did we ever request, try or sign up for this service. Further investigation found we were billed {$910.00} between XX/XX/XXXX and XXXX, XXXX for this unwanted, not requested feature. I called customer service that morning and immediately got the run around. They initially offered us {$150.00} to settle the matter and I refused. This negotiation went on for XXXX hours with Square finally offering us {$1000.00} in free processing ( {$32.00} value ) for 6 months and {$150.00} refund. I searched our email and this is the first email we received despite being billed for this service for several months. I have still not received the refund and want to see Square held accountable for these predatory and illegal business practices as I am sure we are not their only victims. 
Further checking found that this was occurring with a second business account for at total of {$1800.00} in stolen funds. And Square, when you read this, I dont want your garbage add ons so stop charging me for it. Square case XXXX On XX/XX/XXXX, I learned that all but {$380.00} has been refunded to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Total Visa sold an account under my name to XXXX XXXX. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. Total Visa claims that XXXX XXXX is reporting on my credit but under the wrong creditor name of Total Visa and not XXXX XXXX. I did not even know initially that XXXX XXXX bought the account. Please see attached letter from Total Visa detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
The purpose of this notice is to inform you of my election to exercise my right to Opt-Out of my information being shared with third parties such as consumer reporting agencies in accordance with Section 6802 ( b ) ( 1 ) of the GLBA. 

I have attached a copy of my Passport so you do not say you can not identify 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 explanation
Consumer complaint received 2023-10-10 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: VA

Complaint narrative:
I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MS

Complaint narrative:
Starting XX/XX/2023 to current date XXXX XX/XX/2023, I am unable to log into the website to pay my student loans. I get an error saying they have no record of my loan but all my student loans are through them ( EDFinancial ). I've attempted multiple phone calls with over 3 hour wait times and attempted call backs but never received. As of now, EDFinancial is not allowing me to pay my student loans through proper means that will allow me to get confirmation. If i try to do phone call attempt, when I put in my social, it loops me back into the same prompt because the phone system doesn't have my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CA

Complaint narrative:
I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 We contacted Capital One regarding unauthorized charges of {$2000.00} and {$6200.00}. We opened an official dispute of charges, one complaint for {$2000.00} and one for {$6200.00}. Capital One requested additional information.

XX/XX/23 Capital One requested more information regarding the disputed amount of {$6200.00}.

XX/XX/2023, We Faxed all of the information and documents and proof in response to their questions. This included the Contract with the merchant.

XX/XX/2023 For the amount of {$6200.00}, Capital One requested additional information.

XX/XX/2023 We Faxed Capital One the requested information and all of the documentation we had previously sent.

XX/XX/2023 For the {$2000.00} amount. Capital One requested additional information.

XX/XX/2023 For the {$2000.00} claim, we Faxed the requested information to Capital One, also included all documentation for the claim.

XX/XX/2023 For the {$2000.00} claim, Capital One stated information we sent to them was incomplete. At this time they stated they would no longer assist us on the claim.

XX/XX/2023 Amount of {$6200.00}, Capital One stated that our dispute lacked information they requested and they would be unable to assist us with the claim.

XX/XX/2023 I contacted Capital One, Transaction Support Center, by telephone. They stated that they would reopen the {$2000.00} dispute but there has been no response at this time.

XX/XX/2023 For the {$6200.00} claim : I contacted Capital One, Transaction Support Center via telephone regarding their denial of our {$6200.00} claim. I again requested proof that we approved the charge for {$6200.00}. The representative stated that no proof was submitted and they had only the word of the merchant.

When I requested that this dispute be reopened, the representative stated that the time limit they had with the MERCHANT had expired. They can no longer pursue the dispute. WE WERE NEVER NOTIFIED OF ANY TIME LIMITATION BETWEEN CAPITAL ONE AND THE MERCHANT. Apparently, Capital One allowed the time to run out without notifying me, their customer.

Capital One has all of the supporting documents including the contract and supporting material. We have requested numerous times that Capital One provide evidence that we approved the disputed charges of {$2000.00} and {$6200.00}. THEY NEVER COMPLIED WITH THAT REQUEST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: NC

Complaint narrative:
I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification. 
I demand the following accounts be verified or removed immediately. 

. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC 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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding a recent and sudden reduction in my credit card limit without providing the requisite 45-day notice, as outlined in 1026.9 ( g ) ( 4 ) ( i ) of the Consumer Financial Protection Bureau 's regulations. This action deprived me of the opportunity to reject the change, which is my right according to 1026.9 ( h ) ( 1 ). 

On XX/XX/2023, I received a notice from Citibank informing me that my credit card limit had been reduced, with no prior communication or warning. This sudden change has not only caused immediate financial inconvenience but has also raised concerns regarding Citibank 's compliance with federal regulations that protect consumer rights in the financial sector. 

Under 1026.9 ( g ) ( 4 ) ( i ), credit card issuers are required to provide cardholders with a minimum of 45 days ' notice before any adverse changes to the credit card terms. However, I was not afforded this courtesy in this instance. This lack of notice left me with no opportunity to evaluate my options, potentially seek alternatives, or reject the change should I have chosen to do so, as granted by 1026.9 ( h ) ( 1 ).

I believe that Citibank 's actions are not in accordance with the regulations put in place to safeguard consumers like me. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Citibank complies with the established federal guidelines. I also request that Citibank reverse the credit limit reduction and provide the required 45-day notice as outlined in 1026.9 ( g ) ( 4 ) ( i ) so that I may have the chance to make an informed decision regarding my credit card account. 

I appreciate your attention to this matter and look forward to a swift resolution in accordance with the law.

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