vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year>! XXXX placed a hold on my account for a service they claimed was fraud or did not match my information. Although I visited a store with my identification and social security card, XXXX deceptively charged my debit card for {$130.00} for the XXXX upfront cost of their internet service. There is a pending charge on my debit card ending in XXXX. I feel that Citibank is targeting me as my race I at the center is why I am waiting for a pending charge to be removed causing me to be placed in compromising situations that my family can not use the {$130.00} being that I'm on a fixed income. I feel that Citibank is trying to deliberately give me a hard time because of my situation having a brutal case of identity theft. I am not frauding anyone, it's happening to me and I am the main one who is suffering not the criminals. Citibank had no mercy on my need to access the money drafted from my balance and held since XXXX XXXX. I do not have an active service or product with XXXX who has held my funds captive and will not release. Again, I have no official business with XXXX other than the identity theft reports filed. I BELIEVE THE FUNDS ARE THERE AND CITIBANK IS GIVING ME A REALLY HARD TIME OR THERE IS A DISCREPANCY IN THEIR COMPUTER LATE NOTICES SENDING MISINFORMATION TO CUSTOMERS WITH INACCURATE DETAILS OF THEIR ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the privacy act of 1974 and this is fraud. 

XXXX XXXX XXXX {$30000.00} ( Amount ) XXXX ( Date ) I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the privacy act of 1974 and this is fraud. 

XXXX XXXX XXXX {$30000.00} ( Amount ) XXXX ( Date ) I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I have been a victim of identity theft, and has been a subject to unfair and deceptive debt collection practices by JJ Marshal & associates. I have never in my years of living reside at XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX. ( see attachment ) JJMA is attempting to collect a debt from the wrong individual. The information reporting on my consumer report is false and inaccurate. JJMa is in clear violation of the FDCPA section 15 U.S.C. 1692a by invading my rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at Upgrade on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at Upgrade on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: CO

Complaint narrative:
I sent a letter XX/XX/2024 to Jefferson capital to validate a collection account they placed on my credit report and I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Double reported student loan debt and incorrectly reported a late payment on one loan during the time of Covid forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX 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, 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 CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX 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, 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 CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS..

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently discovered that my identity has been compromised, leading to the fraudulent creation of seven accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
OK ... XXXX XXXX Bank is selling my personal, private and federal information to multiple companies to make them try to collect a amount I do not own them. HOW IS THIS POSSIBLE??? First they sold all my information to XXXX XXXX XXXX and now to LVNV Funding LLC and for the same amount of {$1200.00} .... BY THIS I WILL FILE A FORMAL LAWSUIT AGAINST XXXX XXXXXXXX XXXX AND ALSO AGAINST XXXX REPORT AGENCY FOR ALLOW THIS COMPANY TO REPORT ON MY CREDIT REPORT WITH OUT THE PROPER DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Capitol One Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with Capitol One and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity.

Equifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All items on my report is in accurate and I would like them removed from my credit report

Company response to consumer: Closed with explanation