vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: NY

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.

DIVISION OF CHILD SUPPORT : 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.

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 2023-03-31 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman sach 's bank usa closed my account ending in XXXX and ending in XXXX on XX/XX/2023 20 minutes after been full identity identicated verified with fraud department who XXXX XXXX a supervisor in fraud dept removed all blocks on account. 
And said it was okay to used both accounts. Also she confirmed there were no account reviews which is stranged from past agents who said only account ending in XXXX was in review. 20 minutes later same day i recieved notices that both accounts were closed. 
I contacted customer services and transfered me back to fraud department a different supervisor told me account was closed from back office team after retriction was lifted from XXXX XXXX. 

I believe goldman sach 's bank usa discriminated me and also closed my accounts due to previous cfpb complaints filed against the company.

i am waiting on a good reason why my account was closed when i was verified threw fraud dept.

its always back in fourth errors with their agents and put unnessary account reviews when issue was resolved numerious times. as a punishment they come up with some excuse to close my accounts as punishment retailation.

i will seek attorney to sue this company for discrimination.

now i have unwanted closed accounts that will damage my credit because of agent errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 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 2023-03-31 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: GA

Complaint narrative:
I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

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 2023-03-31 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: GA

Complaint narrative:
I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
They violate my right I ask them to not to call me and they keep calling me 5/10 times a day. I register my number to do not call list and they still call me while XXXXm sleeping or Im working. 
I want a compensation because they violate my right.

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 2023-03-31 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}

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 2023-03-31 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 fourth follow-up 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 items 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 XXXX XXXXXXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: LEXISNEXIS
State: TX

Complaint narrative:
I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from XXXX. I pulled up the documents from XXXX to make sure all information you were reporting was correct. It appears you did not get your information from XXXX. I have also included information from XXXX that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : XXXX XXXX you have listed is XXXX but it was not filed in XXXX XXXX. XXXX XXXX on the XXXX report is XXXX. 
The court name you have listed is Texas XXXX but XXXX is not the name of the court the bankruptcy was filed in. The court name on XXXX  is UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF TEXAS. 

According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my Lexis Nexis consumer file. I have reported this several times but nothing has changed. 

I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

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 2023-03-31 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: GA

Complaint narrative:
I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Citi Bank last week. I was told to fund the account within 21 days. Today, I decided to fund the account via a zelle transfer. I transfered {$1000.00} into the citi account. The XXXX  was successful & everything was okay. Then after about 30 minutes or so, my access to my own account was blocked & when I tried calling citi, they said my account had been blocked & the only way to unblock it was to wait 7-10 business days until a physical letter comes to my mail & I give them a reference code to unblock the account. 

I transferred all i had into this account & now I am unable to access my own hard earned money. Rent is due on the XXXX of XXXX & I will not be able to pay within my own money because of this. 

Please help me get my own money back.

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 2023-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
As a responsible consumer, I take my credit score and reputation very seriously. Unfortunately, due to unforeseen circumstances, I was unable to make payments on a debt I had incurred. However, I have since rectified the situation by paying off the debt in. I believe that this action demonstrates my willingness and ability to fulfill my financial obligations.

Despite my efforts to rectify the situation, the presence of this debt on my consumer report has continued to negatively impact my credit score and my ability to obtain credit for personal and house purposes. I have been denied credit and financing opportunities, which has further exacerbated the damage caused by this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation