vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 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: MS

Complaint narrative:
As of Friday morning XXXX XXXX. XXXX so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
As of Friday morning XXXX XXXX. Im so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL 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 2023-02-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and associate 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 non-monetary relief
Consumer complaint received 2023-02-18 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: CA

Complaint narrative:
Hello there, I really hope you can help me with this issue. I'm not sure who else I can turn to at this point. I called XXXX regarding my issue but they directed me to file a report to Equifax, which I did via the phone in XXXX. However I had not heard back from Equifax. When I checked online, it said that the dispute was completed. But I did not receive any information about it and my credit report did not reflect any changes. 

The content of my dispute was this. 

XXXX last year, I was having a financial hard time due to getting XXXX for XXXX weeks and I couldn't afford to pay even the minimum of my credit cards. That's when I contacted XXXX XXXX XXXX and spoke to an advisor. They advised me to get on a debt management plan and told me that they would negotiate a lower monthly payment for me. I began payments that month and made payments on time ever since. However, on my credit report, it reflects that I have late payments starting in XXXX all the way to XXXX. I was never notified of this until I saw my credit report and was very surprised. Why would I get dinged for late payments going into XXXX even though I was making payments on time? 

Below I attached a statement that proofs that I began making payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH A RECENT 150 DAYS LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT, THIS SHOULD HAVE NOT BEEN REPORTED.

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 2023-02-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear experian this is the 6 report and dispute I have done and yet you have not delete that inaccurate information or account on my report this si final action after this I will be sue Experian for fraud, identity theft not only are u doing a horrible job but violating all my consumer rights down below are the laws that have to be enforced when it comes to my credit report if this is a not taken care of by next week I will sue for {$300.00} million class action lawsuit for inaccurate information I have already XXXX people ready to start this class actio law suite the account I want to delete from my account is. Challenge financial devices automotive 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-02-18 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: 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. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX XXXX 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 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. 
Remove Account form 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 2023-02-18 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: 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. 

XXXX XXXX XXXX-Account Number : XXXX Original creditor : XXXX XXXX XXXX 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 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. 
Remove Account form 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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequoia Financial Services
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX AND SEQUOIA FINANCIAL SERVICE Reporting to credit bureaus that I owe a debt of as of XX/XX/2022 ( XXXX mos ) in the amount of {$540.00}. However, XXXX XXXX XXXX and XXXX has no record of the debt, can not find the associated account, and can not verify my authorization of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2023 I tried to use my card to pay for a study permit application. I was sent a verification code to my text, which I put in, and my card was flagged for 'early fraud prevention '. I had to call a number. 

I called the fraud number, gave them my cell phone and 'code word " to verify me, but they said that 'verification methods have changed ' ( I was not notified as a customer that I needed to create any other verification methods ). 

Citi said that they had to have a second phone number associated with the account to verify. Like most people in 2023, I only have a cell phone. They kept asking if I had a landline, which like most people, I haven't in decades. Even though they were talking to me now, on this cell phone number, I was going to have to call them from some landline to talk to them instead. 

When I didn't have that, they actually wanted me to have someone with my last name call from their phone number to talk to my bank for me and verify that I am me. This doesn't make any sense whatsoever. It seems like it would be EASIER for someone to commit fraud this way- they'd simply have to call from a random number and claim they were related to you! Since it was the middle of the night, I couldn't just call up some relative and tell them they had to talk to my bank for me, go through the holding music and everything. 

The only other option was to have Citi mail me a letter that would take 5-10 business days to reach me. I told them I was going out town and needed to use my card, but they didn't care. 

Now my account can't be used at all because of this 'early fraud prevention ' which was me, using my own card. I have to wait 5-10 business days in hopes a letter makes it to me through the mail to get a reference number from that letter and call them- on the phone they refused to verify- to unlock my account. 

If this was a true emergency, I would have been screwed. It's scary to think now that any time I need to use my credit card, I can't just have a code texted to me, either a relative 's going to have to call in from another number for me or I have to wait for a letter. 

This method makes XXXX sense. This shouldn't be how banking is in the 21st century. 

I want my card unlocked so that I can transfer my card to another bank and be done with Citibank.

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 2023-02-18 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to dispute a charge that occurred on my credit card that I have not incurred and neither have I received any item for which I am being charged {$230.00}. 

I filed a dispute with Capital One on XXXX ( Attachment : Capital 1A ) Capital One opened an investigation, but on XX/XX/XXXX informed that they can not reverse the charges and reinstated the charges. ( Attachment : Capital 1B : Capital 2 ; Capital 3 ; Capital 4 ) To the best of my knowledge, I neither ordered this item nor do I recall receiving any item that costs $ {$230.00}. I did not sign any delivery receipts accepting this item. 

I would like Capital One to reverse the charges. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX is listing a bankruptcy record that should be removed. I have disputed twice and they refuse to remove it. I explored a XXXX XXXXXXXX bankruptcy in XXXX of XXXX When the court told me what the terms and conditions would be, I withdrew and did not go through with the bankruptcy. Their public records section states that I had a Bankruptcy-dismissed. It was dismissed because I withdrew. There was no bankruptcy. 

I disputed the record with XXXX XXXX, the company that reports XXXX XXXX including Bankruptcies to XXXX. XXXX sided with me, removing the record from my XXXX XXXX files. I checked my files and indeed, XXXX did remove that bankruptcy record. 

On XXXX 's own website, they have a section called " Understanding Your XXXX Credit Report which states the following : XXXX XXXX Bankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers : XXXX XXXX  and XXXX XXXX. They are called " XXXX '' because they are defined by chapters in the bankruptcy law. In a XXXX XXXX bankruptcy, you do not repay any of the debt owed. Under XXXX XXXX bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan. 

If your report contains public records, the XXXX XXXX section includes items from courts that XXXX may have obtained through XXXX XXXX XXXX XXXX XXXX, a third-party vendor. You may contact them at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, or by visiting XXXX XXXX XXXX 

Since XXXX removed the record so they are no longer reporting it, all of the credit reporting agencies including XXXX, should remove the record. I attached the resolution letter from XXXX that states that they removed the record. I have lost two potential credit opportunities, because of this inaccurate bankruptcy record, that they say will stay on my record for 7 years. This is totally unfair and unacceptable. 

XXXX states on my credit report that this record is potentially negative. It is much more than " potentially negative ''. I did not have a bankruptcy but I am being penalized as if I went through with it. Filing and exploring should not be reported as a Bankruptcy if you withdraw. There is no mention of this fact in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I tried to reach out to this company about 12 months ago about the debt being incorrect after repeatedly being sent letters from them stating I owed them a higher amount of money than I actually did. I even submitted documentation showing otherwise but they did not fix it. 

I then tried reaching out to them today on XX/XX/2023 to try to get the amount decreased again but was told through email response to a man by the name of XXXX XXXX, that the amount would stay the same. I tried to call to make good on some of the debt and they informed me that they did not take partial payments over the phone, and that XXXX was the only one who could access my account and that I could only speak to him about the issue and that I needed to continue to try to reach him in regards to the issue and that no one else could help 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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit

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 2023-02-18 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: CA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2023-02-18 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: CA

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation