vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an inquiry against XXXX # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against CITIBANK VISA for services not rendered for the amount of {$1000.00}. ( CITIBANK VISA it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, Citibank according with XXXX stated CITIBANK is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
XXXX is aware of the dispute on this account instead to correct it and remove it XXXX made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its XXXX website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and Citibank Visa for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.

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 2023-12-24 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: MS

Complaint narrative:
I made a complaint with Transunion, XXXX, and XXXX  on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within XXXX business days from XXXX.It has been XXXX  days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with Experian, XXXX and XXXX. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer 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 2023-12-24 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: FL

Complaint narrative:
There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with XXXX, Transunion and XXXX. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with XXXX, XXXX and Equifax. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: CA

Complaint narrative:
Ive been disputing inaccurate and incomplete accounts on my credit report with Experian. on XX/XX/23 i sent another dispute certified mail and recieved a response that they think i wasnt the one who sent in the dispute. this is a stall tactic because i provided in my dispute a copy of my drivers license and social zsecurity card and a utility bill. Certified mail cost almost 10 dollars this is my third time sending a dispute. they continue to cost me money through reporting inaccurate information on my credit report and through mailing my disputes. i need my credit reports 100 % accurate thats there job by law and they keep breaking it

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 2023-12-24 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance 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 2023-12-24 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: OK

Complaint narrative:
I am writing to assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related regulations regarding the sharing of my private information by Equifax and Experian, as well as the furnisher of information to credit agencies.

Under 15 USC 1681 section 604 ( a ) ( 2 ), I have not provided written consent for the furnishing of my information. Moreover, 15 USC 6802 ( b ) ( c ) mandates the disclosure of the nondisclosure option, which was never communicated to me.

The reported adverse information violates 15 USC 1681C ( a ) ( 5 ), and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information. Equifax and XXXX 's failure to maintain reasonable procedures as required by 15 U.S. Code 1681e further compounds this issue. 

Additionally, according to 12 CFR 1016.7, I hereby exercise my right to opt out of Equifax and XXXX 's reporting services. Any and all consent to the aforementioned entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Also my rights from Privacy act of 1974 have been broken. 

I request prompt confirmation of the cessation of information sharing and adherence to legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Student loans are not the only loans that I got. That is why I would like to talk to someone at EDFinancial, but no one answers my phone calls or chats. Also, they do not have any email addresses to write to. I need another flexible payment plan to be offered to me. I would like to talk to someone from EDFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
I have been a victim of a massive identity theft and Chime closed my account without any explanation after my account was hacked and my money was stolen. They made no effort to help me or reemberse me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance 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 2023-12-24 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: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I sent XXXX XXXX  XXXX XXXX XXXX XXXX XXXX a dispute letter about a debt dated XX/XX/2023 in the amount of {$2000.00}. The response was letter was not dated correctly and I did not receive validation. Months later In XXXX I received another debt collection letter from Debt Rocovery Solutions, LLC about the {$2000.00} I had until XX/XX/2023 to dispute debt in writing. I ask Debt Recovery Solutions , LLC to validate the debt. They received my dispute letter on XX/XX/2023. Instead of Debt Rocovery Solutions. LLC sending me validation they reported the debt. According to the letter Debt Recovery Solutions LLC sent they were supposed to stop collection on the disputed amount until they sent me validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: MA

Complaint narrative:
I had found a complaint online, so I called the third-party debt collector on XX/XX/XXXX. I informed him that I never received any information from this agency. Around XX/XX/XXXX I received a notice, saying the third-party debt collector did due diligence on my address, wants to transfer Courts. I have lived at the same address since XXXX and never received any notices from the original creditor or any third-party creditor prior XXXX. A Court Judgement was had without my knowledge of proceeding on XX/XX/XXXX. They are also saying I moved in the past few months to keep a claim. I never received a validation of debt that I asked for, or proof of claim. I received a notice on XX/XX/XXXX saying they sold the debt without any Due process of my rights, to the Law office of XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MD

Complaint narrative:
XXXX, XXXX, and Transunion, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.

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 2023-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have a loan through credit acceptance and the value of my car is extremely lower then the loan amount. The sticker amount was XXXX dollars and the total loan is more then XXXX dollars for a XXXXXXXX XXXX XXXX. I have seen in the past that credit acceptance had done the same thing to people around the same time I got my loan in 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 2023-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX bought the dental office from my previous dentist XXXX XXXX who passed away. Dentist XXXX completed dental work back in XXXX and XXXX. When the work was completed I asked dentist XXXX 's office if I owed any money? I was told no your insurance covers it. I never received one bill. After XXXX XXXX XXXX purchased the office I began receiving bills from a collection agency by the name of XXXX XXXX XXXX. United Legal Group stated I owed {$2100.00} and began threating to ruin my credit when I informed them I did not owe any money. These calls were relentless. I am elderly and XXXX  so I had my niece XXXX XXXX call my dental insurance XXXX XXXX. XXXX was informed that XXXX XXXX XXXX XXXX had been denied payment due to the statues of limitation. XXXX never did the work it was dentist XXXX who completed the dental work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knows they have one year to submit claims and if they do not submit the claim with in that year they have to take the loss. And they can not come after the patient for it. XXXX called XXXX XXXX XXXX and spoke with XXXX and explained what XXXX XXXX informed her. XXXX insisted that I still owed the money. XXXX sent a certified letter to XXXX XXXX XXXX. This letter laid out dates of office visits with XXXX XXXX ( my previous dentist ), claim numbers that XXXX sent to XXXX XXXX XXXX for payment ( for the work dentist XXXX completed back in XXXX and XXXX ) and reason 's why those claims were denied. This information was obtained by XXXX from XXXX XXXX XXXX. XXXX also sent a certified letter to United Legal Group to cease and desist. XXXX XXXX XXXX XXXX XXXX if the harassment would not stop we would take the necessary steps needed to stop them. Which was to record any future phone calls, notify the appropriate agencies of the violation of the FDCPA and file a complaint with the Federal trade Commission and the local Attorney General 's Office. They totally ignored the letter. I continued to receive calls. The last call I received from United Legal Group I asked them to speak with XXXX. XXXX spoke with a woman from United Legal Group and informed this woman that she was being recorded. The woman quickly hung up on XXXX. In XXXX I receive a letter from XXXX the XXXX XXXX XXXX explaining that this debt is showing up on my credit report for {$2100.00}. I am elderly and XXXX and would appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that XXXX XXXX XXXX reported my banking transaction history without my consent, which I believe is a direct breach of my rights under federal consumer protection laws. 

I have attached the proof of claim showing each transaction this company has shared without my consent. 

I have sent notice to the company and have yet to receive a response on this matter. 

[ 15 U.S.C. 1681b ] ( 2 ) states I must give them written permission to share my nonpublic information. Nonpublic information is defined as the following : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
So this company has said that I owe the stat right now they're saying that I got this debt in 2019, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: OK

Complaint narrative:
I am writing to assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related regulations regarding the sharing of my private information by XXXX and XXXX, as well as the furnisher of information to credit agencies.

Under 15 USC 1681 section 604 ( a ) ( 2 ), I have not provided written consent for the furnishing of my information. Moreover, 15 USC 6802 ( b ) ( c ) mandates the disclosure of the nondisclosure option, which was never communicated to me.

The reported adverse information violates 15 USC 1681C ( a ) ( 5 ), and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information. XXXX and XXXX 's failure to maintain reasonable procedures as required by 15 U.S. Code 1681e further compounds this issue.

Additionally, according to 12 CFR 1016.7, I hereby exercise my right to opt out of XXXX and XXXX 's reporting services. Any and all consent to the aforementioned entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Also my rights from Privacy act of 1974 have been broken. 

I request prompt confirmation of the cessation of information sharing and adherence to legal requirements.

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 2023-12-24 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: MD

Complaint narrative:
There is inaccurate information on my report. Please see the attached letter which gives further details.

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