vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: KY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, address- XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX XXXX. This cfpd complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate false information consists of accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appear on my consumer fico credit report. I have attached a list of hard inquires in question as well as a copy of the consumer fico credit report obtained by you which shows the fraudulent items. I do not recognize the inquires, accounts, or collections as reported. The accounts, collections and hard inquires appearing on my consumer report made by you were not opened or made by me. These items are a result of identity theft and fraud. I have attached a copy of FTC identity report criminal complaint number XXXX. As proof from the US federal trade commission that all of the mentioned consumer credit report accounts, hard inquires and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Once again, not unlike Citibank 's predatory credit card rate practices, Citibank is engaging in predatory checking account fee practices. My wife and I have had a joint Citibank checking account for more than a decade. We have had a Citibank checking account that does not charge a monthly fee. Out of nowhere, Citibank sent a letter stating that they would charge us a monthly {$15.00} fee if our average balance was not {$15000.00}. 

Also, Citibank has attached an electronic notice to our online checking account dashboard telling us to deposit an additional amount of money to our checking account ( in our case, more than {$7000.00} ) to avoid their predatory checking account fees. 

Citibank does not show a phone number where I can contact them about this outrageous {$15.00} per month checking account fee to determine how I can get a Citibank checking account that does not have a monthly fee. Citibank 's so-called nonhelpful " online bot '' does not transfer me to a live customer assistance representative. It appears that the scammers at Citibank want to make it as difficult as possible for customers to contact a live Citibank representative while they are engaging in their credit card interest rate or checking account fee scams. These are punitive, regressive fees that hurt the people least able to pay them and put checking accounts out of reach for people who are most in need of one. Citibank appears to be limiting its services to wealthy customers who can carry large checking account balances, which eliminates these predatory checking account fees. 

Citibank has borrowed tens or hundreds of billions of dollars from the Federal government, and now, they want to restrict their no-fee checking accounts to people who have a minimum of {$15000.00} to place in Citibank checking accounts. It would appear that it's ok for taxpayers to bail out this scam bank that wants to now engage in predatory checking account fee practices. 

XXXX XXXX, 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westcreek Financial
State: IL

Complaint narrative:
XXXX XXXX KOALAFI XXXXXXXX Balance Owed : {$960.00} I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Reporting Account TRANSWORLD SYSTEMS has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

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 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-07-02 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: NC

Complaint narrative:
Reporting Agency has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for, duplicate and purpose

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 2024-07-02 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: NC

Complaint narrative:
Reporting Agency has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for, duplicate and purpose

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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: MD

Complaint narrative:
My card was fraudently overcharged multiple times. I tried to file for a fraud chargeback as the automated system from Revolut stated that it determined my charges were not fraudulent as I had the card in my possession. I handed the card over to a waitress who charged my card for several transactions at once with many various amounts. Ive tried to speak with someone at Revolut which uses XXXXXXXX XXXX XXXX  in NY. Ive gotten nowhere - no information- no investigation. I contacted XXXX XXXX  who told me that no chargeback was ever filed. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Hello, I recently consolidated my loans based on the XXXX and urgent advice from a MOHELA loan servicer in a phone call with MOHELA. It looks like not only have not all of my loans actually been consolidated ( I still have charges from both MOHELAXXXX and XXXX  ), but also I've now been kicked out of the SAVE plan I was in ( as has my husband, apparently because we filed our taxes jointly for the first time this year ). We both have more student loan debt than we make in discretionary income each year. I have reapplied for income based repayment multiple times and nothing has changed. Today I received a letter from MOHELA telling me that I don't qualify for IBR and that I'll need to pay more than $ XXXX for 30 years ( meaning that I would pay them more than {$330000.00} in ADDITION to the amount I actually borrowed ). Some of my loans are from the early XXXX ( I'm XXXX and began a second career only a handful of years ago because frankly I wasn't making enough money to ever retire ). I know they can't just kick me off of income based repayment, and I never failed to re-certify. Please help me get back on an IBR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX. 
XXXX, TX XXXX Hereinafter collectively referred to as RESPONDENT, you, your company NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM! HAS FAILED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom this may concern this company is violating my consumer rights, breaking the FDCPA, FCRA and TAX REGULATIONS. This letter is a response from the CFPB complaint Ive made Re : Case # : XXXX This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 

The word cancel as defined in the dictionary Cancel decide or announce that ( a planned event ) will not take place. 

a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return Schedule 1 ( Form 1040 ), line 8c, if the debt is a nonbusiness debt ; Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For pur- poses of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
**Subject : Complaint Regarding Misrepresentation of Account Status and False Reporting** Dear CFPB, I am writing to file a formal complaint against XXXX AND EQUIFAX for falsely reporting to the Consumer Financial Protection Bureau ( CFPB ) that corrections were made to my credit account, which continued to incorrectly report as " late. '' Despite assurances provided to the CFPB and myself that the inaccuracies in my credit report had been corrected, upon reviewing my account on XX/XX/XXXX, I discovered that no such corrections had been made. The account in question is still reporting as late, which is inconsistent with the information provided to the CFPB. 

This misrepresentation has not only misled the CFPB but has also caused significant and ongoing harm to my credit score, thereby affecting my financial integrity and ability to secure financial services. The failure to update and correct the reporting as claimed has undermined my trust in the reporting process and has continued to impact me negatively. 

I urgently request a thorough re-investigation of this matter and immediate correction of my credit report. Additionally, I seek transparency regarding the communication that led to the erroneous report to the CFPB. 

Please confirm receipt of this complaint and provide a timeline for the resolution. I am prepared to provide further documentation as needed to assist in resolving this issue promptly. 

Thank you for your attention to this serious matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
**Subject : Complaint Regarding Misrepresentation of Account Status and False Reporting** Dear CFPB, I am writing to file a formal complaint against XXXX AND XXXX for falsely reporting to the Consumer Financial Protection Bureau ( CFPB ) that corrections were made to my credit account, which continued to incorrectly report as " late. '' Despite assurances provided to the CFPB and myself that the inaccuracies in my credit report had been corrected, upon reviewing my account on XX/XX/XXXX, I discovered that no such corrections had been made. The account in question is still reporting as late, which is inconsistent with the information provided to the CFPB. 

This misrepresentation has not only misled the CFPB but has also caused significant and ongoing harm to my credit score, thereby affecting my financial integrity and ability to secure financial services. The failure to update and correct the reporting as claimed has undermined my trust in the reporting process and has continued to impact me negatively. 

I urgently request a thorough re-investigation of this matter and immediate correction of my credit report. Additionally, I seek transparency regarding the communication that led to the erroneous report to the CFPB. 

Please confirm receipt of this complaint and provide a timeline for the resolution. I am prepared to provide further documentation as needed to assist in resolving this issue promptly. 

Thank you for your attention to this serious matter. I look forward to your swift response and resolution.

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