vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: NM

Complaint narrative:
I reject your decision to dismiss my identity theft claim. Who are you to determine whether I've been a victim or not? You lack the authority or legal standing to make such a judgment. If you persist in denying my claim, I will involve my attorney to pursue legal action. Ensure that my identity theft claim is processed in accordance with the law. I am providing you with a report from a legal law enforcement agency, filed with a federal entity. Let 's resolve this matter within the mandated 5-day period. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FC HoldCo LLC
State: CO

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX  FLAGSHIP CRD 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 2024-04-05 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: OneMain Finance Corporation
State: CO

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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.

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 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 2024-04-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services reached out to me with a debt collection notice for a debt that is not mine, but is registered to a family member. The notice mentions that I have 30 days to respond or else the debt is assumed to be mine. This debt is not mine, and is confirmed by the original debt lenders to be someone else of the incorrect social security number and contact information. To write on the letter that it would " virtually '' be assumed to be mine even though it is not, then to make me use their website and log my personal info like social security in order to see debts is unfair business practice. I am requesting cease and desist communications with me. Company Resurgent ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX  Account Number : XX/XX/year> : Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX Account Number : XX/XX/year> : Account Name : XXXX XXXX Account Number XXXX XX/XX/year> : Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XX/XX/2023 : Account Name : XX/XX/XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXXXX/XX/XXXXAccount Number : XX/XX/2023 : Inquiries : 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 non-monetary relief
Consumer complaint received 2024-04-05 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: WA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX  Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX Account Number : XX/XX/2023 : Account Name : XXXX XXXX  Account Number XXXX XX/XX/2023 : Inquiries : XXXX XXXX XX/XX/2023 : XXXX XXXX XX/XX/2023 : XXXX XX/XX/2023 : 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 2024-04-05 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: IA

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-05 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 XXXX ; i have been using there site to keep an eye on my credit history and dispute inaccurate info well i used there site to dispute a few items on my report some thru them directly some thru them to equifax informing them of some of the cfpb fair credit reporting act such as the fact that if it is a debt that they can not report the account as open and if they do that is against the law and can be taken to court and i was retaliated against by blocking me out of equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I brought my sons XXXX XXXX into Best Buy XXXX XXXX in XXXX NJ for repair. I was charged {$420.00} for XXXX parts and service. Also, I was charged for a XXXX yr warranty in the amount of {$190.00}. When I got home and realized the warranty charge, I called Best Buy customer service and made complaint. The amount wrongly applied to my Best Buy card was credited back, {$190.00}. This was on same day, XX/XX/XXXX. That credit was applied a couple of days later. On XX/XX/XXXX my son XXXX and I went to pick up his computer but Best Buy could not fix the problem. I was then credited back for the XXXX parts and service by the XXXX XXXX representative ( see receipt ). My son then decided to just buy new XXXX XXXX from Best Buy, My son used his XXXX debit card of {$2000.00} towards the purchase and I paid the balance of this purchase with my Best Buy card for {$160.00}. The total of the new computer was {$2100.00}. ( See receipt ). Ive been arguing with Best Buy now since for not crediting back the XXXX items and service charges on return or credit receipt attached. Ive made at least XXXX calls and spoke with XXXX Best Buy customer support representatives who opened up a dispute and each time, made update notes and could see all relevant receipts and credits. As of this date, XX/XX/XXXX Best Buy still has not credited my Best Buy credit card which is issued by Citi bank. I attempted to contact Citi bank and advised them of this but they said I had to deal with the Best Buy store how would issue the credits to them. Citi bank said they have no access to see receipts only charges from Best Buy. On my Best Buy card as of XX/XX/XXXX, I only have a balance of about {$140.00} on a pro mo account of a purchase with no interest till XXXX of XXXX. The only other charge on my Best Buy card should only be the {$160.00} charge for the balance of the new computer tower. As you can see on receipt of purchase, {$2000.00} was used with my sons debit card for {$2000.00} and I then paid the balance of {$160.00}. Best Buy has refunded the wrongly charged warranty amount of {$190.00} within just XXXX days but the other charges for the XXXX items and still have not been credited back to my Best Buy card as seen in refund receipt. Im asking that your department help resolve this issue as Best Buy is deliberately delaying my refund process since XX/XX/XXXX as seen in my receipt/retune. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This complaint is being filed under my wife, XXXX XXXX information , profile as I had a hard time singing into me this complaint

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 2024-04-05 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: Financial Assistance Inc
State: CO

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ).

It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation.

I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred.

I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX : XXXX I Want these accounts removed from consumer report XXXX XXXX XXXXXXXX XXXX  FINANCIAL ASSISTANCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
My check was garnished as per XXXX XXXX XXXX in XX/XX/2023. The payment was {$820.00}. The last payment was completed and the garnishment was stopped. Now the company is trying to get another {$320.00}, in which I do not owe at all. I am attaching documents as well. 

I was not even aware of the court date so I do not know how they even had a check made it to the company with my name attached. It is not my handwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 non-monetary relief
Consumer complaint received 2024-04-05 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: NY

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 2024-04-05 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: NY

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 response to consumer: Closed with non-monetary relief