vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/2023 : XXXX XXXX XXXX Account Opened. 

XX/XX/2023 : {$4500.00} deposited from XXXX. 

XX/XX/2023 : {$240.00} deposited from XXXX. 

XX/XX/2023 : Contacted XXXX regarding inability to log into account, received email stating account is frozen. 

XX/XX/2023 : Contacted XXXX to inquire about email stating account closure; informed a letter explaining closure would be sent in XXXX days. 

XX/XX/2023 : Contacted XXXX about receiving a {$200.00} check without further explanation ; directed to wait for information from another department. 

XX/XX/2023 : Contacted XXXX for account status and remaining balance; informed the back office couldn't provide details, awaited letter in mail. 

XX/XX/2023 : Contacted XXXX to question account closure; informed it was being handled by the fraud department. 

XX/XX/2023 : Contacted XXXX for account status ; directed to a different department with no answers. 

XX/XX/2023 : Contacted XXXX regarding account closure; informed it was with the fraud department, and an email was sent to the back office. 

XX/XX/2023 : Contacted XXXX for account status ; no information provided, referred to back office for closure details. 

XX/XX/2023 : Contacted XXXX to inquire about account status; informed it was still in the back office, not closed. 

XX/XX/2023 : Contacted XXXX to determine account closure and remaining balance ; informed closure was on XX/XX/2023, and remaining balance would be sent to chosen address. 

XX/XX/2023 : Contacted XXXX to follow up on remaining balance; informed a check was sent to the provided address, expected arrival in 30-60 days, but no check arrived. 

XX/XX/2023 : Contacted XXXX to request a new check and explanation for account closure ; directed to call the fraud department and escalate the matter via email. 

XX/XX/2023 : Contacted XXXX to request email and documents showing conversations and requests; informed they couldn't provide virtual documentation, but a letter would be sent. Requested callback from back office and sent an email for escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' Should my initial request to verify these items, as detailed in my previous certified mail, be ignored, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's essential for a reevaluation of the information to take place. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will necessitate the immediate removal of these disputed items 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 2024-02-27 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: FL

Complaint narrative:
Private, Special, Good Faith, Trade Secret Correspondence. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Mandate for Enforcement of Private Judicial Notice and Legislation Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Divine Adjudication Acknowledgment : " Let XXXX be our Judge as He has set the Watchers to watch over Man '' To : XXXX XXXX Equifax XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX, XXXX. 
XXXX, Georgia To : Equifax XXXX XXXX XXXX, XXXX. 
XXXX, Georgia From : XXXX, Executor Office of Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/XXXX XXXX Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the XXXX XXXX XXXX, which govern your conduct and reporting practices. 

By issuing this XXXX XXXX XXXX of XXXX XXXX, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the XXXX, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows. 

See attachment for full Writ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I noticed on my credit report that there were two 30 days late reporting for the month of XXXX and XX/XX/year>. However, I was not late in either of those months. I reached out to the company and advised of this I spoke to several representatives and their supervisors trying to get this resolved. I spoke to supervisors who acknowledged that my report should not be reflecting late, but my report was never updated. Cases were created, but I never received responses. My credit report has been extremely affected by the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: NM

Complaint narrative:
I took out a title loan in XX/XX/XXXX on a XXXX XXXX XXXX XXXX. I received {$220.00} in cash and was given a printout of the loan papers. At the time no one really went through all the paperwork with me. Also the interest rate was 170 % on the loan. I made payments from XX/XX/XXXX to XX/XX/XXXX. I lost a job I was working at a local XXXX XXXX / XXXX XXXX. I was XXXX at the time and didn't realize the physical demands and was soon diagnosed with XXXX. The last payment was made in XX/XX/XXXX. I contacted TitleMax  to explain the situation and I was looking for another job. This ended up being a long process which set me further behind as I was only collecting my Social Security retirement and I am a XXXX XXXX  with no one to help me financially. TitleMax finally would accept a payoff of XXXX in XX/XX/XXXX. As I had no savings I asked my son and he would not help me. This payoff was for one day only. I called them back but to no avail. Once again I did not hear anything back. I did end up getting a part time job with the XXXX XXXX. So now I'm at a point where I am dependent on this car to keep my job. They are planning to have me back next school year. I worry constantly that I will be at work and my car will be repossessed and I will lose this job. As it is this job barely keeps me from drowning. 
I have recently tried negotiating with TitleMax for a reasonable payoff amount to no avail. I filed a complaint with NM Attorney General 's office. They contacted TitleMax for me but again no negotiation. The AG suggested I file a complaint with the NM Department of Justice. This will be my second. I am desperate to keep this job and want to come to a mutual payoff value to get my title back. My last conversation with them was about one month ago and they came up with a payoff of {$1700.00} in three  monthly installments. I simply can not afford this. I was told to call them back when I could. I just need someone who could lead a strong negotiation in my defense. They still practice in NM under a different name but TitleMax left our state in XX/XX/XXXX due to the bill approved to cap interest at 36 percent. 
Anything that could possibly be done to help me close this chapter of my life would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I received a ACH transfer from XXXX  over the weekend due to a hardship withdrawal. Out the blue credit karma deactivated my karma account and froze my spend account. Ive reached out both via chat ( 7 documented times ) and phone ( 5 recorded times ) and am only being told that someone will follow up via email. I requested on XX/XX/24 for the money account to be closed due to no one being able to provide me any information and was told that they would not be closing the account. No email response from any team other than them saying my account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Making sure payments are always on time, I've never encountered delays on this account. I'm uncertain why there are indications of late payment remarks on my accounts.

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 2024-02-27 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 believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Through my agent, ( at XXXX XXXX, ) there was a policy placed my property at XXXX XXXX XXXX, in XXXX michigan and was cancelled 4 days after. This was some time in the spring of XXXX. 

There was new Insurace placed on the property through XXXX, with a different carrier. All of my bills are paid through auto pay on my credit card and as far as I knew everything was being paid because my card was being charged. 

I never received a bill or any correspondence from XXXX XXXX or XXXX and now there is a collection on my credit. 

I dont think it is fair to report to collections without ever billing me. Is there anything g you can do to help. 

Thanks, 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** XXXXXXXX XXXX has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo froze my account immediately after i tried to conduct a transfer of my funds to another account that i authorized. I got an automated email requesting my photo ID. I submitted the requested documentation, emailed, and called. My account was frozen when I tried to transfer money out of it and when I contacted the company, they told me it was suspended for suspicious activity. I have asked for a specific reason and they will not provide one. They said it had to be handled by the accounts team, who they refuse to let me speak with. When I asked to speak with a supervisor, the supervisor hung up on me. I have provided the required information, yet they say it could take up to 15 business days to resolve the issue and will still not provide any reason for holding my {$200.00} hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 

Each Account is owed {$1000.00} due to Violation

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