vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to allow XXXX Bank to update information related to a CLOSED account, as of 2018. The account was rendered a CHARGE-OFF ( the account is fraudulent per police and FTC report XXXX. However, Experian continues to allow the original creditor access to the fraudulent account and update the account with fraudulent information that the account is LATE each month. US Bank has deemed the account CLOSED CHARGE-OFF but Experian continues to allow the creditor access to the fraudulent account, allowing XXXX Bank to change the opening of the account, closing of the account and status date of the account each month. This is in violation of the FCRA, as this information had been removed/blocked has been allowed to reappear and post fraudulent information each month. Experian needs to be held accountable for taking such actions that violate the law. XXXX Bank Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: IN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2022 I received a text from Citibank as follows Did you make a wire transfer for XXXX from acct ending XXXX on XXXX? Yes=1, No=2 or call XXXX. Reply STOP to Opt-Out I called the number as soon as I read the text. I spoke to someone named XXXX XXXX who said the money was already transferred and there was nothing she could do. She gave me the number to the fraud department. I asked if she could tell me what bank the money was transferred to. She told me the money went to a XXXX XXXX XXXX  account # XXXX in the name of XXXX XXXX. I told her I didnt know anyone by that name. She gave me a claim number XXXX and told me I needed to go to my Citibank branch at XXXX XXXX XXXX to file an affidavit of forgery. I filed the affidavit of forgery as I was instructed to and expected that my funds would be returned to me but instead, I got a letter of denial stating the decision was based on You did not take adequate steps to safeguard your account information and directly contributed to allowing the transaction ( s ) in question to take place After this initial denial, I filed 2 more claims and got the same response. At this time, I simply want my funds returned to me. I have worked hard over the years to save this money and now it was all just taken from me and I now have to wonder about my bills and other commitments being paid this emergency fund just vanished because they did not protect my funds ; no one called me when such a large transfer was initiated from my account. Of note, on XX/XX/XXXX there was an attempt to transfer XXXX from my account and that transaction was aborted since I didnt verify information that was requested on the phone when someone called saying they were calling from Citibank . I called the Fraud Department today XX/XX/XXXX and the person with whom i started a conversation hung up the phone on me. I have been to the branch several times and no one has done anything to return my money to me. It is almost impossible to speak to a live fraud investigator. I have gone to the police but I was told this is not a matter they can investigate. I need your help to get my money returned to me. I have worked many years laboring hard to earn and save this money.

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 2022-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. This item is already reported to FTC since the last time I coordinated with you and only your agency is reporting this negative item. 

XXXX XXXX : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: ME

Complaint narrative:
I just recently started checking my consumer reports from XXXX, XXXX, and XXXX and I noticed a account I didn't recognize. So this prompt me to find out why and who I allegedly owed a debt to. I ended up finding out that Jefferson Capital Systems , LLC has been furnishing my information to the consumer reporting agencies knowing that they had never contacted me to make me aware of the alleged debt. Ironically on XX/XX/XXXX they finally contacted me with their initial disclosure ( six months after " Regulation F '' effective date XX/XX/XXXX ). It's clear that they've been using a deceptive tactic called " Debt Parking ''. To prove this I am listing the account and the last date this particular account was updated on my XXXX, XXXX, and XXXX reports. This will prove that they've been furnishing this account to CRA 's without following the procedures and rules of the FDCPA. 
According to 12 CFR 1006.30 a debt collector must not furnish to consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer in person or by phone, or places a letter in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability.

Also according to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These two violations alone are more than enough to pursue legal action against Jefferson Capital Systems , LLC. Listed below is the account number and the last dates updated for further proof. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Last Date Updated : XX/XX/XXXX I am also attaching photo proof of the initial disclosure and it's date, along with photos of XXXX, XXXX XXXX and XXXX reports showing last date this account was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Here is another fraudulent account that has been appearing to my credit report. I have filed FTC for this last month but it seems no one is taking action to get rid of this inaccuracy. Again only your agency EQUIFAX is reporting this inaccurate information that is really making an impact to my credit report. 

Company : XXXX. 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I started to dispute my accounts with XXXX, XXXX and TransUnion since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above three credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.

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 2022-05-21 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: PA

Complaint narrative:
I started to dispute my accounts with XXXX, Equifax and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above three credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: IL

Complaint narrative:
- In 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. 


- In 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. 

- In 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. 

- In 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. 


- In 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 non-monetary relief
Consumer complaint received 2022-05-21 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: IL

Complaint narrative:
- In 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. 


- In 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. 

- In 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. 

- In 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. 


- In 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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CITI Account # : 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 2022-05-21 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, XXXX XXXX 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 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo closed my account and locked me out, they did not provide any warning or explanation, and they continue to refuse to provide explanation when I inquire. That's all well and good, but I have {$950.00} dollars or so in there and they are refusing to release my funds back to me. I also have a venmo credit card that will automatically deposit my rewards points into my venmo account, however when i call or email to get my funds released or transferred to me, they refuse to do it and refuse to provide a reason why. They are simply holding my money hostage and refusing to release it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In According with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX ( Original Creditor ) 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 that a consumer reporting agency can not furnish a account without my written instruction and permission. 

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.

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 2022-05-21 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: American Credit Acceptance, LLC
State: IL

Complaint narrative:
In accordance, with the Fair Credit Reporting act XXXX  Account # XXXX has violated mu rights. 
15 Section 002 States Ihave right to privacy Is use XXXX XXXX XXXX XXXX Section 2 : It also states a Consumer reporting agency Can not furnish a account with out my written instructions. 
15 USC 164uB. A Creditor may not treat a payment on credit card account under an open end Consumer Credit plan as late for any purpose. 

Please help with this matter thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-21 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, XXXX XXXX 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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
To whom it may concern : On XX/XX/XXXX, XXXX, I received a letter from Bluebird stating that I requested my account to be closed and was issued a check for the balance of my account. However, I did not request that my account be closed. My account was closed after filing valid disputes. 

I contacted Bluebird by phone and was told my account is locked and suspended. I was told if I wanted to know the reason why my account was closed, locked, and suspended to write a letter. As of today, no one has responded to my letter. 

In Addittion, I had active disputes open with XXXX for merchant XXXX who is attempting to issue me a full credit but must do so through Bluebird. 
I also need to confirm that merchant XXXX XXXX provided a credit in XX/XX/2021. 
XXXX XXXX has informed me they have returned the monies to my account and I believe Bluebird has issued a check for this. 

Please investigate and determine why my account was closed when I have not violated my member services agreement. 
Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following inquiries ; XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX  Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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