vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB Representative, I would like to file a formal complaint with CFPB against Citibank Cards, specifically in reference to my CitiCostco credit card due to duplicate transactions posted to my account, both as pending authorizations and posted transactions. 

I currently have XXXX posted transactions in the amount of {$810.00} that still have pending preauthorizations. I have spoken to several call representatives regarding this issue, they have informed me that " there is nothing they can do to reverse these pending transactions and based on their merchant agreements, they allow the merchant up to XXXX  days to process the transaction which will then automatically fall off within XXXX  days. '' Additionally, there is a fraudulent pending preauthorization posted to my account on XX/XX/year> by XXXX XXXX XXXX in the amount of {$85.00} that still remains after I reported my card as stolen/requested for a replacement card. 

I do not believe the Citibank is protected me as their consumer and refusing to reverse fraudulent transactions made on my account, and when I say fraudulent I mean I did not authorize for these merchants to place multiple transactions on my account for the same transaction. Additionally, I do not believe the Citibank is acting in the best interest of their consumers by refusing to reverse these fraudulent transactions and holding me financially liable for multiple charges made to my account without my authorization. 

I am hoping that CFPB can step in to help me as the consumer to be treated fairly. Thank you kindly. 

All my best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & TranUnion. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for XXXX and TransUnion to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & XXXX. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for Equifax and XXXX to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL 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 instruction of the consumer to whom it relates. I never gave ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX, XXXX XXXX XXXX XXXX pa 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

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 2024-10-02 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL 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 instruction of the consumer to whom it relates. I never gave ay consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts and incorrect information and inquiries listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX, XXXX XXXX XXXX XXXX pa 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quest Legal Group
State: TX

Complaint narrative:
Letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX I haven't been to XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The card involved was issued by a department store named XXXX 's. In XXXX I received a new card from Citi Bank. I didn't request this card. It appears that Citi Bank purchased all of the XXXX 's XXXX accounts. Well, I received a new Citi Bank XXXX. The sticker on the card stated do not use before XX/XX/XXXX, So, on XX/XX/XXXX my spouse and I used the card a little bit. Accruing slightly less than {$300.00} of charges. XXXX I received an email notice that my payment was late. This was VERY upsetting. Upsetting because I haven't had a late payment in over 20 years. You can see that XX/XX/XXXX and XX/XX/XXXX don't seem right for a late payment. Anyway, I tried to log into my account with the login info I used for the XXXX card from XXXX 's. I was unable to log in to my account and my spouse had the same issue. I reached out to the card company via their contact info on the card. I was greeted by a man who understood English but his ability to converse in English was very limited. with massive frustration I requested a new person that I may be able to converse with. At that point I was transferred to XXXX at Citi Bank. XXXX was able to take a debit card account number and resolve the outstanding balance. I still haven't received a bill, and the Citi Bank XXXX didn't offer me a copy. This should have been easy to because they could send me a notice the I was late. Not really late because they could send me a late notice for charges that are only 16 days old. Thats not late anywhere in the world. I don't know if I was charged a late fee. That is scary. I had to give up my home address to XXXX because he couldn't release personal information to me even though it is my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I am a natural person, I am a living human being. 

Experian is governed by 15 USC 1681 and have continued to violate my rights, Experian received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX. This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. Experian continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and Experian held financially accountable for their false reporting of information. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.

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 2024-10-02 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to 15 USC 16c-2, I found errors on my credit report that are harming my credit rating.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery LLC Dba Genesis because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX with no results and with no response. They are engaging in plausible deniability of the following issues. 

For the time I lived in the apartment complex from XX/XX/XXXX to XX/XX/XXXX we had multiple leaks from the roof that came into our apartment. We notified them about it, but they never came out to handle the issue, so we kept facing it, so it started to cause peeling on walls and mold to grow in our apartment. When we went to the front office to talk to them about the continuous situation & amp ; how to handle it for the final time, we concluded that they would let us off the lease with no charge due to the inconvenience since we arent liable for the leaks coming from the roof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: AL

Complaint narrative:
Please remove this information from my credit report within XXXXXXXX XXXX XXXX, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$23000.00}, XXXX XXXXXXXX XXXX XXXX XXXX {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$23000.00}, XXXX XXXXXXXX XXXX XXXX balance 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