vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 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: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-09-10 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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: IN

Complaint narrative:
I

received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 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. 

Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct XXXX XXXX XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : 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 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 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.

These inaccuracies are stopping me from being able to get a new home for my family.

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 2023-09-10 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: TN

Complaint narrative:
I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.

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 2023-09-10 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: TN

Complaint narrative:
I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX.. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( 2003 ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, TransUnion, XXXX this account is in violation and therefore needs to be completely removed. 

Transunion did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and denied of opportunities because of this inaccurate 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
Consumer complaint received 2023-09-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 2023 Florida Statutes 559.553Registration of consumer collection agencies required ; exemptions. 
( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.

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 2023-09-10 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my credit report with Equifax. alot of invalid data is errors made by the creditors. this is my 2nd attempt to process disputes on these items. none of the listed data is correct on all 3 credit reports. please review an delete all information listed on the files asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I move-in XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX. I stay my full year with all kinds of problems with unit. They change managements 3 times in 1 year. Upon leaving the properly XX/XX/23 I did a walk though with XXXX XXXX ( XXXX XXXX Manager ) to make sure that everything was clean and better than I arrived at the unit, so I could not get charge for something CRAZY and get my security deposit back with no problem. XXXX XXXX assure everything was good and I will get a bill mailed to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX within 3 to 5 days. I never received anything by mail, on XX/XX/23 I email XXXX regarding for a bill and she said that there system email me 3 times. I have no email and ask then can she give me something to show they tried to email me. Her respond was no. I said that not right, system are not always corrected. So she email a bill with the wrong {$1200.00}, I sent a copy of the paper work she gave me about my balance with the walk though. She then went back to check and reduce my balance to {$400.00} I agree and purchase a money order. XX/XX/23 I received a email from Hunter warfields company about a debit from XXXX XXXX for amount of {$790.00} case was open XX/XX/23. I advised them that this is not true and I have email and copy of money order. I would be willing to pay {$400.00} only. They advised to send all information to claims departments, then they would contact XXXX XXXX XXXX XXXX and get back with me. Nobody has contact and its still show a negative on my report. Can someone please help, It has made it hard for me to get another place after a year because of this foolishness that I did everything to sure that this did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently got a job at a firm that audits Citi Bank and in order to avoid financial independence issues going forward, I am trying to close my Citi credit card accounts XXXX and XXXX. However, for some reason the account closure functionality on Citi 's self service online portal is not available.

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 2023-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. 

This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ).- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX XXXX XXXX, XXXX, Equifax this account is in violation and therefore needs to be completely removed. 

Equifax did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I paid both my XXXX and XXXX insurance debt to XXXX and XXXX directly. The debts were never sold to XXXX. The debt was recalled back to XXXX and XXXX. I have disputed their reporting and it has come back as verified although they have no part in my payment or debt at all at this point. 
I have filed a XXXX complaint XX/XX/XXXX as well. As of XX/XX/XXXX I had not heard back from them. The XXXX tried to re-attempt to hear from them and they have yet to respond. 
All I am asking is they remove the collections from my reports from all XXXX bureaus as they have no part in anything anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc.
State: NE

Complaint narrative:
I received a letter from RFGI stating that I owe money to them for XXXX 

I have not been a customer of XXXX for some time and cancelled my subscription. RFGI has not provided any proof this debt.

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Tennessee XXXX Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Tennessee XXXX XXXX, XXXX XXXX  XXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
At first, Ive opened an account without any reasonable checks just fill the form and instantly get an account without any identification, documents, and credit checks. 

But two weeks later, when I deposited a test amount of money, my account was put on hold due to suspicious activity. I dont know why it may have happened, but one of possible explanations is that its because I was on a vacation outside of the U.S . 
Ive been requested identification documents via e-mail and I have provided U.S. Passport, U.S. Passport Card, SSN card that was not signed, credit report from XXXX, statement from the other XXXX XXXX When I have provided the documents, Ive been requested to provide new photos of them and to sign SSN card. Ive done all that and provided new photos. 

Later, I received an e-mail that requested a State-issued ID or Driver 's License or a Permanent Resident Card ( for the context, I'm US citizen ). 

I have replied that I dont have state-issued ID or Drivers License, which Im not even obliged to have. Moreover, Customer Identification Program regulations explicitly state that there may be alternatives to driver 's license such as a passport : 31 CFR 1020.220 declares that For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport.

In my correspondence, I highlighted that I have already provided other universally valid federal-issued identification documents with photo and that Im ready to try alternative forms of verification if they suggest them.

The support replied that in this case they cant lift the hold.

I asked them again to provide alternative identification options and offered them some alternatives like selfies with documents, other documents that I have including U.S. birth certificate, documents from my second citizenship ( foreign passport and foreign drivers license ), and even an option of signing a statement in front of notary public who will verify me. Nevertheless, my request was ignored multiple times both through the call-center and e-mail.

I have even filed a claim ( see attached ) to them, but that didn't help.

Company response to consumer: Closed with explanation