vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally report severe financial and personal hardship as a result of identity theft, compounded by the XXXX breach. As an XXXX  since XXXX, I have continually faced significant barriers due to language and cultural differences. Despite my proficiency in English, the complexity of financial terms and disclosures remains a substantial challenge, often leading to misunderstandings and mismanagement of my financial affairs. This situation was exacerbated by the unauthorized use of my personal information, resulting in erroneous charges and accounts that have devastated my credit history, which I had diligently built over the years. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and to have any inaccuracies promptly corrected. Additionally, the Fair Credit Billing Act ( FCBA ) and the Identity Theft and Assumption Deterrence Act provide frameworks that obligate creditors and credit bureaus to respond swiftly to disputes like mine regarding fraudulent transactions and accounts. The discrimination and negligent handling of my financial information have not only hindered my access to credit but have also led to violations of these protections. 

Given these circumstances, I demand an immediate investigation into these matters, and pursuant to the FCRA, I request the prompt removal of all inaccuracies and fraudulent accounts from my credit report. This corrective action is critical to restoring my financial stability and ensuring compliance with federal laws designed to protect consumers from such egregious errors and identity theft consequences. I urge for a thorough review and swift resolution to prevent further undue hardship and to uphold the integrity of consumer rights.

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 2024-04-20 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: CO

Complaint narrative:
First, as a federally protected consumer and under the Privacy Act of 1974 ( 5 U.S. Code 552 ), the furnisher of information to credit agencies must first obtain consent from the consumer before reporting anything on their credit report, and the consumer has the right to " opt out '' of anything that is on their credit report. Any and all consent to Equifax and XXXX ( furnishers of information to credit agencies ), whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( B ) ( C ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " 15 USC 6508 for opting out. Also, I have never contracted with XXXX XXXX XXXX ( furnisher of information to credit agencies ). XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions for crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting it again without my permission, which is against the law. 15 USC 1681S-2 ( a ) ( 1 ) : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Therefore, 1q23 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services on XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX furnish a contract with my wet ink signature, showing I have legitimately contracted with them. 

This account has caused detrimental harm for my ability to qualify for lines of credit for home buying and auto buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
i did not authurize these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Attempted to resolved outstanding balance on account. Sent offer of settlement with letter agreeing to accepting term of settlement. Payment towards settlement returned. 
Since this payment was refused, I DO NOT owe any balances. 
I request a formal written statement from the company that this account has been closed and satisfied. Hopefully, the written statement does not look like a XXXX XXXX XXXX wrote it. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been trying to fix my credit report by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b XXXX. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX. 
I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b XXXX. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX. 
I have not supplied proof under the doctoring of the estoppel by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Reference previous complaint number XXXX You are not making any sense. The bank statement was valid. Do research on credit unions. The draft checking does not match the shares number. But it is all under one account. This was all enacted in the 1930s to stray away from bank practices. Educate yourselves. I have asked the credit union to create a special document to supplement your ignorance since you refuse to be mindful of the practices of financial institutions. The statement is attached. 

PayPal WHO OWNS YOU AND FOUND FRAUD IN MY FAVOR AND RESPONDED TO THIS MESSAGE has restored my account, so respectfully where is the disconnect? 

My drivers license is not expired or missing information. It is a valid government document. You are more than welcome to confirm with the government. 

You have not heard from the bank because the claim was closed. Refunds were processed by the company for those {$50.00}. Therefore, it is a non-issue. I am happy to provide documentation from the bank of those refunds. 

You are in error and you are contradicting yourselves. Stop punishing me for your shortcomings and ignorance to XXXXommon credit union practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent account on my report. Please remove these accounts from my report, they are hurting them my ability to obtain credit.

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 2024-04-20 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: MS

Complaint narrative:
Experian continues to fraudulently reported a credit card account that does not belong to me. This account XXXX ( Account # XXXX ) in the amount of {$4500.00} was not initiated by me the consumer and so it is a fraudulent account. I need it to be removed, I am suffering damage to my reputation and its disturbing my ability to operate in the world as a consumer.

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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XXXX I noticed some charges to my account from a XXXX I do not use. We went through every expense and weeded out what was not mine. They refunded me the expenses while they investigated. XXXX weeks letter the money is all drafter again. I was told all charges were mins. This is a lie. I copied all transactions made from XXXX and none matched the charges made in my account. I purchased from a local XXXX that delivered food to my home. I have never purchased anything else but food. I want the money to be put back in my account. This is not the first time USAA does not do a through review before making a decision on behalf of a loyal customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These items have to be deleted due to these violations, I am also seeking compensation under the FCRA as well.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint thru CFBP online on XX/XX/XXXX. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT XXXX XXXX AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. The fraud that I had been a victim of was not under the category of XXXX XXXX. It was much bigger crime that I had been a victim of which the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, XXXX Department in XXXX : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. Then, the FBI XXXX XXXX named Special Agent XXXX XXXX told me on the phone that the FBI XXXX XXXX is now taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes. Today of XX/XX/XXXX, I received an email from EXPERIAN about XXXX XXXX  letter which it did not make sense to me at all based on my reported situation as a victim of XXXX  crime which is currently taking very seriously by the FBI. STOP HARASSING ME WITH EMAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX XXXX XXXX did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is currently reporting information that is inaccurate on my consumer report. I have sent XXXX letters stating the issues at hand and the situation hasn't been rectified. On my personal information there is a name reporting that is not my name, My name is XXXX XXXX. There are XXXX numbers reporting instead of just XXXX. My number is XXXX. There are several closed accounts that are being reported with late payments that have been on my report for years that is currently affecting me. I have a hard inquiry from a loan company I never applied for, and I have XXXX collections that are reporting on on Transunion and XXXX XXXX that isn't reporting anywhere else because they have been resolved.

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