vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 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:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate.

Account name XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

I attached a consumer report as evidence.

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 2022-11-14 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: GA

Complaint narrative:
The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

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 2022-11-14 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: GA

Complaint narrative:
The addresses that are linked to my accounts are incorrect so i disputed the false information. The wrong addresses have not been removed as well as the creditors that fall under the wrong type of address and address information. Also i have many names that are not mine and i also disputed them with the credit bureaus and they again did not update this information as well as the creditors that fall under the incorrect names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. 

On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. 

Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. 

According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. 

In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. 
But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.

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 monetary relief
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX the XXXX of 2022 my online banking was hacked and all my accounts drained. My bookkeeper and I noticed something strange while signed into Regions Bank On-line ; money was moving back and forth between accounts. When we attempted to stop this activity, we were signed out and unable to access the accounts again. We went to our local branch XXXX blocks away and sat down with our branch associate, XXXX. She pulled up our accounts and was seeing the same thing. All of our money was being transferred to the business account. She immediately got on the phone to contact any department that may be able to stop, explain, or halt what was happening. Every department she spoke with stated that it wasn't them, including the wire transfer department. My bookkeeper and I literally sat there watching the desktop computer screen with the Branch Representatives as all the monies in my account wire transferred away to an unknown source.

The branch manager assured me that I had nothing to worry about and that everything that was taken would be replaced within a few days. So, we opened new personal and business accounts. We closed all my other accounts save XXXX, in order to keep a connection with the incident. 

After several weeks of back and forth with the Branch Manager, I was told that Regions Investigators had found the account the monies had been wired to and that the Bank of the account had been notified. He told me that Regions was legally allowed 90 days from the point of the other bank 's notice confirmation to get the monies returned. After that 90 day process, he said I would receive my money. As of today, 108 days, I have not reimbursed what was stolen, nor given an explanation as to how it happened. I call my branch everyday for updates ; I am told they don't know what is happening nor when this issue will be resolved. I have spent days on the phone trying to contact anyone at Regions Bank, other than my branch reps, trying to find anyone who and shed light on the issue, but always end up repeating myself to customer service representatives with no answers or authority to escalate the call to anyone who might help.

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 2022-11-14 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: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 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 Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX ( XXXX has it XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX The credit bureau took less than 30 days to complete my investigation, here is my complaint ID # XXXX opened on XX/XX/2022 but a lot of inaccuracies still. Now is not the time to update as they need to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with the Department of Education to obtain a " loan ''. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The loan which is subject to the transaction was used primarily for personal, family and household purposes. The Department of Education has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX XXXX  did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). The Department of Education 's conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. The Department of Education has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) also documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) the Department of Education does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification the Department of Education is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Received threatening phone call from a woman who would not give me her company name of the case number of the case she claimed she had against me. She supplied incorrect personal information regarding me and was trying to extort me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 
12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
XXXX XXXX Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX Bank according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX Bank should delete all account information they share with XXXX, TransUnion, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 
Since XXXX XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
XXXX XXXX Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX Bank according to XXXX XXXX regulation Z Billing Error. 
I have asked XXXX XXXX to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to XXXX XXXX XXXX Regulation f The Fair Debt Collection Practice Act XXXX XXXX Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX Bank should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 
Since XXXX XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX months ago I checked my XXXX XXXX and it had dropped noticeably and I wondered why? I contacted XXXX ( XXXX source of my XXXX XXXX ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with Experian and on their advice also filed a fraud report with the XXXX XXXX, CA XXXX XXXX XXXX ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that XXXX had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance

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 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
on XX/XX/2022 I called Iexus Nexus to inquire why a SECURITY FRAUD ALERT AND IDENTITY THEFT ALERT. I sent them proof of address and a copy of driver 's license along with the ftc report with a dispute letter that they received XX/XX/2022. I spoke with XXXX who refused to give his last name requierd by Nevada law and FCRA, refused to place the said alerts on my file and comply with Nevada law and the FCRA. Also he wanted a picture of my drivers License.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter Finance ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TX

Complaint narrative:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.

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