vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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:
XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am writing to request your assistance in verifying the charged-off status of an account listed on my credit report. I recently discovered that this account is reported as charged off, and I believe it is essential to validate this status by ensuring the creditor has complied with the required tax reporting obligations. As per the Internal Revenue Service ( IRS ) guidelines, when a creditor charges off an account, they are obligated to file the appropriate tax forms, such as Form 1099-C ( Cancellation of Debt ), with the IRS. These tax forms provide evidence that the debt has been canceled and allow for the proper reporting of the canceled debt for tax purposes. I kindly request that you investigate whether the creditor in question has fulfilled their tax reporting obligations by submitting the necessary tax forms to the IRS for the year in which the debt was canceled. The submission of these tax forms serves as crucial evidence to support the charged-off status of the account. If it is found that the creditor has not fulfilled their tax reporting obligations or if they are unable to provide evidence of the filed tax forms, it raises significant concerns regarding the accuracy and validity of the charged-off status of this account. In such a case, I request that you take appropriate action to remove the charged-off status from my credit report. I would appreciate your timely attention to this matter. Once your investigation is complete, I kindly request a written response detailing the outcome and any actions taken. It is important for me to have an accurate credit report that reflects my financial standing accurately and in compliance with all relevant regulations. Thank you for your prompt assistance and commitment to resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to your favorable response. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

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 XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXXXXXX 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.

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 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have previously had account with XXXX since XXXX always paid my bill never had any issues. I have received a bill for over XXXX stating I owe this amount these purchases was made in XXXX I haven't made a purchase since XXXX. I called the company explaining to them the charges wasn't mine I never made them, I don't know who did them. I don't have any of the merchandise they claimed I purchased. I have had my identity stolen before and it has been reported. The company has sent this debt to collections and its damaging my credit, I have disputed this debt with the credit bureaus directly and nothing is getting done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
They was over charged me for the service I spoke with customer service many times about I said I was going to leave the company my phone was paid off I wasnt in no contract so I leave the company. I owe them no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grow Credit Inc
State: MI

Complaint narrative:
Grow Credit. I previously revoked authorization on checking account ending in XXXX. They had an issue collecting on my new payment method and tried to re-add previous payment method without authorization. This is illegal since I revoked authorization on the previous method. They did remove the payment once I told them to, but how many people are they doing that to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XX/XX/XXXX one of my citi cards was updated to a rewards card then reversed without my consent, see previous complaint. I filed formal complaint with Citibank on that employee. XX/XX/XXXX without warning my credit was decreased significantly and without provocation on both my Citi accounts ( 1 card went from {$13000.00} to {$8800.00} and 1 card went from {$7700.00} to {$4800.00} ) odd credit limit number right?. I contacted Citi executive department for some resolution with no formal explanation and the problem was NOT repaired. I expressed that decreasing someone's credit limit based on credit bureau makes no sense seeing that I was over XXXX at that time. This action would cause havoc within the credit bureaus ( now at XXXX ) and thus showing what damage it caused. Earlier this week XX/XX/XXXX ( just 3 months later ) Citi has decided to decrease the credit limit once again ( XXXX card went from {$8800.00} to {$5400.00} and 1 card went from {$4800.00} to {$2000.00} ) again an odd number. Conveniently as I pay each card down it decreases just above the amount I owe. Which in turn causes the credit bureaus to adjust based on the percentage owed. My oldest credit is 24 plus years old and for the past 10 years I have over 100 % on time payment. I have excellent credit limits with all my creditors except for Citibank now ... seems odd? ( I have paperwork that can be attached ).

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 2023-06-15 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: LA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OH

Complaint narrative:
Mailed a cease and desist letter to Lexis Nexis. They continue to report Fake News and Im tired of it. I have attached the letter sent, my identification and if they dont abide by my cease and desist I will sue them in court!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX credit card issued by XXXX XXXX. I closed card due to fraud charges, account was set up on autopay. XXXX refunded me personally by check after investigation in the amount of XXXX approx. Account closed with XXXX balance. Was on credit report as closed and XXXX and in good standing. About 3 months ago started getting bills for this account with a balance. Called numerous times, XXXX  claimed they refunded me before merchants credited and caused overage. Advised that was an issue with them and the merchant. They are now billing the account and reopened the account with out permission. Managers refuse to call back. The account should be closed with XXXX balance per fraud. It isn't the consumers issue when they fail to do a proper investigation or account review and make a refund error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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: TX

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Newport Intermediate Inc.

Complaint narrative:
I did a transfer XXXX on XXXX XXXX from nothlane work salary card to my account in XXXX XXXX XXXX however until today there is no money on my XXXX account. 
And also on XXXX I did a transaction of XXXX on the same account however I put credit card number instead of account number. And the same happened I transferred XXXX from another pay Salary account. I was told by my Finance officer that the money was to be reimbursed after he placed in a complain but until today still no money has been returned on both accounts. Please what should I do for these both matters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
Received a notification via XXXX that my credit score went down. Looked into the issue and saw that a debt collection had been added to my account from SEQUIUM ASSET SOLUTION ( original creditor : XXXX XXXX ). 

The notification indicates that I supposedly owe {$7500.00} to the debt collection agency. The date the account was opened was XX/XX/2023 on account number XXXX. I have never used XXXX XXXX XXXX and never received any information about this supposed debt aside from the notification from XXXX. 

I disputed this debt collection via XXXX and nothing was resolved. I will be attempting to file this dispute directly through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/2023. I had {$600.00} fraudulently taken from my cash app account. At XXXX XXXX and XXXX XXXX {$600.00} was taken out of my cash app account but they refunded it for my protection then again at XXXX XXXX {$600.00} was taken from my account and then that's a transaction go through they didn't protect me I disputed it I gave him my IP address on my device identifiers everything to show they're fraud department that I didn't make the transaction it was fraudulently done it was on authorized transaction I didn't approve it I didn't do it and I want my {$600.00} back. I made a complaint with the FCC with the XXXX XXXX XXXX and I'm making one with you I also made one with cash app and they pretty much denied my dispute on XX/XX/XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
CITIZENS BANK IS ILLEGALLY HOLDING A US ISSUED TREASURY CHECK I DEPOSITED WITH THE BANK ON XXXX XX/XX/2023 I WAS TOLD WHEN I DEPOSITED THE CHECK THERE WOULD BE A 48 HOUR HOLD ON THE CHECK. 4 DAYS LATER MY FUNDS HAVE STILL NOT BEEN MADE AVAILABLE ON A US TREASURY ISSUED CHECK. 

CITIZENS BANK NEEDS TO BE INVESTIGATED FOR THEIR ILLEGAL AND UNETHICAL PRACTICES THEY DO WITH CUSTOMERS. 

I HAVE BEEN RACIALLY PROFILED AND BECAUSE OF THE AMOUNT OF THE CHECK MY FUNDS ARE STILL NOT AVAILABLE. 

THE CONTACT NUMBERS ON CITIZENS BANK WEBSITE ARE ALSO DISCONNECTED AND DO NOT WORK. 

AS OF TODAY, NOOONE HAS THOUGHT ENOUGH OF ME TO CONTACT ME REGARDING THIS MATTER, AFTER SENDING SEVERAL EMAILS TO VARIOUS MEMBERS OF THEIR EXECUTIVE TEAM. 

THIS IS CLEARLY ILLEGAL AS A FINANCIAL INSTITUTION CAN ONLY LEGALLLY HOLD A CHECK FOR 2 TO 5 DAYS.

AGAIN, THIS IS A US TREASURY CHECK THAT COULD HAVE EASILY BEEN VERIFIED BY NOW. 

I HAVE CONSTANTLY ASKED CITIZENS TO RETURN MY CHCK AT THIS POINT SO THAT I CAN CLOSE THIS FRAUD OF AN ACCOUNT OUT. 

NO ONE HAS STILL RESPONDED TO THAT REQUEST AND AT THIS POINT MY CHECK IS ILLEGALLY BEING HELD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX sold the account to Portfolio Recovery Associates on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2023-06-15 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: TX

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I'd been living in this home for over 18 years. I had some financial issues and got a call about how they could reduce my payment. And within a few days, my mortgage was lowered. I never signed anything and didn't know the full extent of how and what they did. I've been paying on time and even began paying more on principal. I was told there is no escrow, which I don't fully understand. I've been paying for 18 years. I purchased the home for {$510000.00}, and I still owe {$480000.00} as of today. For the past year, I've felt that I'm being taken advantage of and even discussed that I will be paying over {$100.00} for this property over their contract. Last week my payment went from {$350.00} to {$820.00}! There was no explanation, just a bill for that amount. I called the mortgage company because I thought it was a mistake. They informed me that my escrow wasn't paid. I'm flummoxed, and now they want to offer an extension on the escrow account.I can not afford this amount, and the property isn't worth that amount. This is a predatory loan, and I do not know what to do next. This is the 4th mortgage company that holds my account.

Company response to consumer: Closed with explanation