vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING!

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit 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 explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Asset Acceptance LLC garnished my wages for a XXXX XXXX XXXXXXXX Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for 26 years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Credit card : Capital one We had booked XXXX tents in XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX. 
We stayed there from XX/XX/XXXX, to XX/XX/XXXX. 
XXXX XXXX charges were {$2300.00} XXXX XXXX charges were {$3200.00} I am getting charged XXXX times this amount. 
XXXX time on XX/XX/XXXX and second time on XX/XX/XXXX. 
Charges on XX/XX/XXXX is not authorized as we did not stay second time. 

I had filed the dispute with Capital one and called them XXXX times. I provided them all the documents they requested. 
I also contacted XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. They said that they have only charged XXXX time and they did not receive second payment from credit card. 
I have an email from XXXX XXXXXXXX XXXX  confirming this. 
I also shared this email with Capital one credit card but they are refusing to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AR

Complaint narrative:
XXXX, low income college student financed tires through XXXX. Was paying the tires off with regular on time payments and knew interest would come after 3 months. When the 3 months was up, I was shocked to find out I was being charged 179 % APR which is illegal in my state. Again I am young, inexperienced with debt, and low income. I do feel I have fallen victim to predatory loaning. They won't stop calling me either ( of course ). I have paid off the tires a time and a half now and still owe more than the amount the tires originally cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called on XX/XX/XXXX where XXXX of XXXX were refunded. They stated that they can only refund up to XXXX per year so until next XX/XX/year> is when I would be alloted XXXX more. 
I called on XX/XX/XXXX where they refused to refund the XXXX overdraft charges. 
I am not opted into debit protection or overdraft protection and yet they allowed the charges to go through and make me pay an overdraft fee. 

This problem is with JPMorgan Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
There are hard inquiries on my credit I have no acknowledgement of it I did not give permission for them to check my 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 2024-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are hard inquiries on my credit I have no acknowledgement of it I did not give permission for them to check my 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 2024-05-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MI

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX MI  XXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.

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 2024-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Factual data is now stating that my equifax report is still showing a block or alert, that I have no credit score and no accounts. Equifax says this is untrue and for factual data to call their business line. Factual data said theyll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. Theyre costing me a house. My equifax score is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS NOT LISTED ON THIS APPLICATION. NOT SURE WHY. I SUBMITTED AN APPLICATION FOR MISCONDUCT BUT NEVER RECEIVED ANY RESPONSE. THIS WAS APPROXIMATELY XXXX YEARS AGO. I READ AN ARTICLE TODAY ON XXXX THAT ADVISED OF A NEW APPLICATION FOR SCHOOL MISCONDUCT SO I APPLIED AGAIN. I WAS INSTRUCTED BY ANOTHER ORGANIZATION THAT I SHOULD HAVE HEARD BACK BY NOW ABOUT THE FIRST APPLICATION. I DON'T KNOW IF IT WAS DENIED BUT I DO NOT HAVE ANY INFORMATION ABOUT A CLOSED SCHOOL. I DO NOT HAVE ANY INFORMATION PERTAINING TO ENROLLMENT/ADMISSIONS BECAUSE IT WAS IN XXXX. I SHOULD NOT BE PENALIZED OR MY APPLICATION SHOULDN'T BE DENIED FOR LACK OF REQUIRED INFORMATION. ALL XXXX XXXX HAVE BEEN CLOSED FOR YEARS. MISCONDUCT HAS BEEN PROVEN. MANY OTHER CLASSMATES WHO ATTENDED WHEN I DID HAD THEIRS FORGIVEN DUE TO PROMISES MADE BY XXXX THAT WERE NOT KEPT AND CREATED HARDSHIPS FOR US.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

XXXX ) Account Name : XXXX XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Complaint Against Citibank for Mishandling Fraud Claim I am writing to file a formal complaint against Citibank regarding their mishandling of a fraud claim and the subsequent mistreatment I experienced. On XX/XX/year>, {$28000.00} was fraudulently wired from my Citibank account. Despite promptly reporting the unauthorized transaction and providing all necessary documentation and details of the scam, Citibank denied my claim twice. 

Throughout this ordeal, I have been mistreated by offshore representatives in the XXXX. On XX/XX/XXXX, at XXXX XXXX PST, I called for assistance, but their system was down. Despite the urgency of the situation, they refused to provide assistance and requested that I try calling the next day. This was at a critical time when all my money was being stolen. 

No one from Citibank made an effort to collect information about how the fraudster accessed my account. Additionally, a {$25.00} fee was posted to my account without explanation. There has been no history of me ever making wire transactions, yet there were no protection measures in place to block this illegal manipulation of my account. 

Once again, when I contacted the fraud department, they failed to act immediately because of the offshore system failure. Had they responded to my call right away, the fraudulent wire transfer could have been stopped. Despite my prompt reporting and provision of evidence, Citibank has unfairly blamed me for the fraudulent activity. The lack of immediate response and appropriate security measures on Citibank 's part has caused significant financial and emotional distress. 

I am seeking the CFPB 's assistance in this matter to ensure that Citibank reconsiders my case and acknowledges that I was a victim of sophisticated fraud. I believe that Citibank should take responsibility for their failure to protect my account and provide a fair 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 monetary relief
Consumer complaint received 2024-05-30 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: LA

Complaint narrative:
This account was supposed to be removed from my credit report. XXXX XXXX XXXX sold this account to a collection agency, and XXXX XXXX XXXX keeps verifying this account that they don't have any more.

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp is billing me with overdraft fees after my CashApp was compromised. Their case number is XXXX. 

My bank XXXX flagged the fraudulent transactions. 

Account Number : XXXX Claim Date : XX/XX/year> Claim Number : XXXX Claim Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-05-30 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: NC

Complaint narrative:
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is a predatory loan that has been consistently reporting my loan late on my credit report for XXXX months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for XXXX months. This company consistently denies my request to close the loan. This has been going on for almost XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX TEACHERS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/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