vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here are the list of accounts/items which do not belong to me or were opened without my permission. 
Inaccurate addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: CA

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
The inquiry was not authorized XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XX/XX/XXXX/XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from 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 2023-05-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
back on 2017 I came from third world country ( XXXX ) with a limited XXXX, I was buying a refrigerator. that a target employee approached to me and ask me if i want that XXXX XXXX XXXX which is giving us 5 % discount in every purchases. because I never used credit card before I thought it is some sort of coupon, but any way my wife without telling me she has used XXXX red card several times, later on with i find out to solve this issue with target i have visited XXXX customer service a few times but no body help me. they provided me a number that i was calling and with on the line for over an hour and nobody respond. 

please kindly consideration about this mistake, people with no experience it is really hard to understand how debit and credit work, 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 explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed a dispute with Citigroup banking regarding several transactions made on my account through XXXX that I had not authorized. Citibank immediately closed out my account which then prohibited any refunds that would be made from XXXX. For several months I've gone back and forth between XXXX and Citibank about the XXXX transactions to retrieve funds illegally taken from my account. Citibank informed me that they have closed out my dispute and did not side with me in regard to the transactions. I asked Citigroup for evidence of the investigation. months later I received a letter in the mail of login screenshots that were not legible to read. after calling them to ask for a better explanation I was told the transaction was outside of their timeframe for a refund. I then asked if the case could be escalated and if I could appeal reasoning or if they could point me in the right direction of where the timeframe policy could be located online. The agent then informed me to call a bank and they could further assist me. After searching for several hours through consumer manuals, disclosures, and regulations I could not find this stated anywhere in the illegal transaction timeframe policy. I then called a branch location on XX/XX/23 and the representative to was unable to assist me with finding this policy. Banks are misinforming customers of knowledge that do not exist. I am filing a complaint in hopes of further assistance with my case.

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 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: DE

Complaint narrative:
I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal after over 15 years of business chose to terminate its relationship with me. While I used Paypal for some business sales. I generated a balance of over {$15000.00} held in a 90 day reserve. Almost all that money held in reserve has now well exceeded its 90 day hold period. 

Paypal is now unjustly holding my funds without compensation at current market rates. I demand my funds be released and or compensate me with current interest rates for using and or holding my funds without my permission. 

my account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-05-25 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: KY

Complaint narrative:
There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me.

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ data has falsely reported wrong information to get money from a court order written statement! They have falsely reported incorrect payment statements & history dates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/XXXX an insurance bill for {$1000.00} was paid out of my escrow account. The fire insurance did not belong to me. I have been trying to get reimbursed for this money since the occurrence. Every week I get a different story. This needs to be refunded immediately along with any interest that might have been paid on it. XXXX for PrimeLending has been awful to deal with. My name and address did not appear on the bill they paid and they give no reason how this happened. Also, the bill was for insurance that expires XX/XX/XXXX. I purchased my place last XXXX so I could I have a policy that was going to expire in XXXX? Very sloppy and incompetent bookkeeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2023-05-25 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: VA

Complaint narrative:
In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax : 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 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 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 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 an 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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I have been working hard to repair my credit and pay off a collection that I have on my account to improve my credit score. Between the dates of XX/XX/XXXX to XX/XX/XXXX, I have made several attempts to contact the agency to try and settle this debt. I was baited into leaving my name and number to give them permission to call my phone because every time you call XXXX or XXXX they send you to voicemail stating that they are short-staffed and they will call you back. This in itself is problematic because I do not want to give them permission to call me and harass me ( unknown XXXX numbers have begun calling my phone ). 

Once I finally got ahold of an agent after servals days of attempting to reach someone I was met with unprofessionalism and unwillingness to settle the debt. They wanted me to divulge sensitive information to the such as my wage, where I worked, my monthly bills, current address, etc. before they would talk to me about the collection. 

I then asked to speak with a manager and was told they could not escalate me to a manager and that they don't just allow someone to speak with a manager until I told them what my reason for wanting to speak with the manager was. She stated that she had answered my questions and that I did not need to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: AZ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: FL

Complaint narrative:
I want to file a complaint to EXPERIAN. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms. I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.

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 2023-05-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 
Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have an american express gift card, i had bought it for {$1000.00}. 

I have been able to use it for a few transactions, but for the last couple of months every transaction on it has been denied. 

I also tried to readd it to my XXXX XXXX  after changing phones and that was also declined. 

Today the transaction was for {$92.00} while the card has a balance of {$350.00} I called in and there is no way to speak to a customer care agent of american express gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was informed that opening a TD checking account and redeeming my points into it would result in double the value. According to a representative, when I claimed my points, I was supposed to receive {$960.00}. However, upon redeeming my points, I only received {$460.00}. I contacted the bank to address this discrepancy, and they acknowledged a system issue and assured me that it would be automatically resolved. Despite multiple calls and several days having passed since I redeemed the points and reported the issue, it remains unresolved. This problem initially arose on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25 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: LA

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them

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