vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been using Citi for a joint checking and savings account. We receive a direct deposit from one source that being the city of XXXX XXXX police department. Recently receiving a retro check from the police department negotiating and settling on a deal. That check being over XXXX. Over the last few months it has been a struggle financially paying bills. Behind on a lot bills needed to be paid and some shopping as well. I verified everything through Citi, who never even sent an email regarding fraud. I called because an XXXX dollar transaction failed, to be told my account was restricted and was hung up on. I verified my identity three different times. I used my card earlier today, with no problems. When I first opened the account I had multiple Citi employees hang up and tell me I wasnt me until I went into a branch where they could see I was myself with the same number in front of me. I just want then to unrestrict my account so I can take my money and start a new account elsewhere because this account clearly isnt working for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
UNAUTHORIZED CHARGE ON XX/XX/23 FOR {$5700.00} AND DISCOVER IS NOT ASSISTING ON THIS FRAUD CHARGE- I CALLED THEIR CUSTOMER SERVICE AND FRAUD DEPARTMENT AND GET THE RUN AROUND- HAVE BEEN HUNG UP ON 4 TIMES- I NEED THIS RESOLVED NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: LCI Acquisition Inc.
State: TX

Complaint narrative:
CFPB. These Credit Reporting Companies have issues being accurate. LCI asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, LCI, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so stubborn. You all are wrong for reporting this. Just resolve the issue and keep it moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: CA

Complaint narrative:
15 USC 1681b ( Permissible Propose ) This is grounds for these accounts to be removed immediately ... It is a violation for credit company 's and credit bureau to report anything they want on your credit without a written consent. I never authorize or provided any written consent to the credit bureau to report or keep reporting this. It's identity theft and it have to be removed immediately... Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/2023 found out my car loan on XXXX XXXX was past due. Called westlake financial, very unhelpful, unprofessional and disrespectful. Identified myself as a XXXX and still was unhelpful as well as hung up on. Asked for number to corporate office, supervisor XXXX XXXX told me I can XXXX it myself, know I'm XXXX she still violated the American with XXXX Act and refused to reasonably accommodate me under federal law!! Account is late and these people refuse to help, also noticed someone over at Westlake deleted my bank information that had been used and on file since I received this car loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
This credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 5 inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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 a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this 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 non-monetary relief
Consumer complaint received 2023-07-24 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: Klarna AB
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end concurrent credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I must express my frustration with the Credit Reporting Agencies regarding their inexplicable persistence in reporting fraudulent accounts and inaccurate information on my Credit File without proper verification. It is absolutely expected that these agencies adhere to federal law, which mandates the removal of any accounts resulting from fraudulent activity. Despite my extensive efforts to dispute these items, the Credit Bureaus have regrettably failed to fully comply with my requests. Moreover, my repeated demands for evidence of verification have been constantly ignored by the Credit Bureaus. Under the provisions of the Fair Credit Reporting Act section 605b, I am left with no choice but to submit this CFPB Complaint. I demand, in no uncertain terms, the immediate and complete removal of all fraudulent accounts and associated information from my Credit File without any further delay or excuses. The following items must be deleted at once : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}. I must also draw attention to the inconsistency in the reporting of certain accounts, some of which have already been removed by other Credit Bureaus. This discrepancy raises serious doubts about the Credit Bureaus ' investigative practices or lack thereof, leading to multiple conflicting results. Such glaring errors and inconsistencies underscore the undeniable negligence on the part of the Credit Bureaus, and I insist that these disputed accounts be expunged entirely from my Credit File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I must express my frustration with the Credit Reporting Agencies regarding their inexplicable persistence in reporting fraudulent accounts and inaccurate information on my Credit File without proper verification. It is absolutely expected that these agencies adhere to federal law, which mandates the removal of any accounts resulting from fraudulent activity. Despite my extensive efforts to dispute these items, the Credit Bureaus have regrettably failed to fully comply with my requests. Moreover, my repeated demands for evidence of verification have been constantly ignored by the Credit Bureaus. Under the provisions of the Fair Credit Reporting Act section 605b, I am left with no choice but to submit this CFPB Complaint. I demand, in no uncertain terms, the immediate and complete removal of all fraudulent accounts and associated information from my Credit File without any further delay or excuses. The following items must be deleted at once : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}. I must also draw attention to the inconsistency in the reporting of certain accounts, some of which have already been removed by other Credit Bureaus. This discrepancy raises serious doubts about the Credit Bureaus ' investigative practices or lack thereof, leading to multiple conflicting results. Such glaring errors and inconsistencies underscore the undeniable negligence on the part of the Credit Bureaus, and I insist that these disputed accounts be expunged entirely from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXXXXXX XXXX verifying this information was incorrect & ordered by the court. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation