vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On the XXXX of XX/XX/year> I reviewed my credit report and found XXXX inquiries dated for the XXXX of XX/XX/year> from Concora Credit. These XXXX inquiries are for a Milestone Mastercard and a destiny mastercard. I havent opened any new accounts in over 6 months. I also received XXXX emails from Concora Credit thanking me for registering those XXXX accounts. I attempted to contact their fraud department on the XXXX using XXXX. I was informed by the employee that the fraud department was closed. I waited till the XXXX to attempting contact. I was referred to the fraud department using this number XXXX. When I placed the call the robot on the other end immediately requested my full social security number and sounded different from any other robot voice I had heard previously. When I finally got into contact with a person, the employee had a ludicrous amount of background noises from laughter to what sounded like a tv playing in the background. Which they then requested my SSN. Which I wasnt comfortable with giving. I then proceeded to end the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 2024-11-12 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: LA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - late/closed US DIST CT Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened atOFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX funds were deposited into my account, I made an attempt to withdraw the funds via XXXX to make a rent payment and notice that my XXXX amount was only {$500.00} so I tried to withdraw the funds and was not able to do so, I tried to withdraw {$1600.00} from my account twice and I was not able to do so, so I lowered the amount to {$1000.00} and realized my limit was the XXXX, I took the XXXX and tried to take then XXXX {$500.00} and receive notice my account was blocked, I immediately called the number provided, I was not able to get through I tried calling the next morning which was a Saturday, I was advised a block was on my account for fraud and I would need to call back on Monday, on Monday when I called back I was told I needed to wait until a letter was sent out so that the account could be verified and that could take XXXX business days but the letter was mailed XXXX which was a Sunday, I called back a few days in between to only be told by a manager XXXX that the letter was mailed out XX/XX/XXXX, and there was mothing they could do to help me, I couldn't go into a branch to be verified, they couldn't use my telephone number to verify me there was noting that could be done i needed to wait on this letter, i called back XX/XX/XXXX spoke with XXXX and he told me the same thing as XXXX he also was supervisor, I waited and called back XXXX spoke with a gentleman name XXXX who advised me we were at day XXXX and to try back as of XXXX as i still had not received this letter from the bank with this refenced code, he said call back and they would try to verify me another way, day XXXX come I still have not receive the letter i am two pay periods in and no access to my funds, my rent is late my cellphone is disconnected I have no liquid asset at this point, I called back and speaks with a manager now he says they try can verify me through my telephone number, that is now disconnected, to only tell me at the end of the call I had to wait for this letter that still as of XXXX as not arrived to home address, that they will not verify if they have correct, and also they will not verify what telephone number they claim they attempted to call during this entire process, but never had a missed call nor voicemail and here it is that I am about to be paid again and have no access to payroll funds, I have never seen anything like this in all of XXXX  years of living, and I find this very sad and disheartening, I am late on my rent, my cellphone is disconnected and I am behind on bills and I need someone that can address this matter quickly, I hope this email lands in the correct hands and this never happens to another consumer Sincerely 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 2024-11-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX INQURIES : XXXX  Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXXXXXX XXXX  Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX INQURIES : XXXX Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 a
ny 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
Tried several times via email and phone to set up payment plans. All requests were rejected or ignored. Mandarich Law purposefully refused any offer to resolve so that they could collect a higher amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request a validation and verification of this deft and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or collection activity and remove it all together. 

Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct and when was the last payment made. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
Im reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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 2024-11-12 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies found on my credit report. Upon a thorough review of my personal credit file, I have identified several discrepancies that I believe are unjustly affecting my creditworthiness and, consequently, my ability to secure homeownership. Given the current economic challenges, it is imperative that my credit report accurately reflects my financial history without the detriment of errors. 
In accordance with the Fair Credit Reporting Act, I understand that your agency is obligated to investigate these disputes within a thirty-day period following the receipt of this letter. Below, you will find a list of the inaccuracies that require your immediate attention and correction : 1. Name of Furnisher 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 I respectfully request that your agency undertake a diligent investigation into these matters and remove the incorrect information from my credit report. The presence of these inaccuracies is not only misleading but also has a significant negative impact on my credit score, thereby hindering my financial opportunities.

I am fully aware of the economic difficulties our society is currently facing, and it is under these circumstances that I can not afford to have my creditworthiness compromised by errors.

Therefore, I anticipate your cooperation in rectifying these discrepancies and look forward to receiving an updated copy of my credit report reflecting the necessary corrections within the stipulated thirty-day timeframe.

I trust that you will address this matter with the urgency and thoroughness it requires. Thank you in advance for your prompt attention to these issues and for your assistance in ensuring the accuracy of my credit 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 non-monetary relief