vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Citi, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated
third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved

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 2024-10-19 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: GA

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 Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the property management ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX  XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.

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 2024-10-19 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 2024-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Applied for a HE Loan. Representative was amazing and this is not about her. Provided all information required ( e-submission ). A few hours later I get a call that the loan can not be provided because Mr. Cooper 's system didn't show this was a townhome and is ineligible. They are my mortgage servicer/provider. 

How can they not know? 

This resulted in my paying for an appraisal ( they have said it is being refunded and I believe that for now ). 

But a hard pull was made on my credit and this will lower my score for a period of time, thereby impacting my ability to seek an alternate product until that score returns. Since this was a debt consolidation loan, this has effectively cost me the interest savings between what I am paying that the rate I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EGL US, LLC
State: LA

Complaint narrative:
Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane Francine. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$2200.00}, but has been sold. The balance should be {$0.00}. Also, this debt has been sold to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to inaccuracy and potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by 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 2024-10-19 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Im tired of sending letter to this company. I've sent a total of 5 letter and they still dont give the proof that I need.

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 2024-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I am writing to file a formal complaint against XXXX Acura XXXX XXXX, operated by XXXX XXXX, regarding a serious case of fraud and forgery involving an employee named XXXX XXXX. This case involved unauthorized alterations and duplication of a vehicle lease agreement that was fraudulently signed in our names. 

Incident Description : On XX/XX/year>, my wife and I entered into a vehicle lease agreement with XXXX XXXX XXXX XXXX. Without our knowledge or consent, a second fraudulent contract was created by XXXX XXXX on XX/XX/year>, which included terms we never agreed to. This fraud was only discovered at the end of the lease term due to additional unexpected fees being charged. 

Discovery and Subsequent Actions : Upon discovering the forgery, we filed a police report with the XXXX, Arizona Police Department, which was forwarded to the XXXX Police in California. However, this case was not pursued due to other ongoing police priorities. We also reported this incident to the XXXX Investigations Department, who confirmed the fraud but did not press charges due to the lack of an eyewitness. 

Additionally, we filed a fraud claim with Acura/Honda Financial , who after their investigation, confirmed the contract was fraudulent and removed the associated credit line from our credit reports. Unfortunately, this action resulted in a significant drop of over XXXX points in my credit score, further compounding the financial damage we have suffered. This significant drop impaired my ability to purchase another vehicle and caused my insurance cost to rise significantly. Importantly, Acura/Honda Financial has declined to refund any payments made under the fraudulent contract. 

Advers Action by Honda/Acura Financial : While we were actively seeking resolution, Acura/Honda Financial proceeded to repossess the vehicle, exacerbating the situation and leaving us without a critical means of transportation since we are a one vehicle household.

We trust the CFPB will take immediate action on this matter, which not only involves financial exploitation but also significant distress and damage to our financial standing. 

We have documents supporting our claims, evidencing the discrepancy between the original contract and the forged documents. The file is large and over XXXX megabites in PDF format. I attempted to upload the files and they will not upload, even when the file size was reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX Driver 's License : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX Re : Dispute Regarding Identity Theft and UCC-1 Filing CFPB Case # XXXX To Whom It May Concern : I am writing in response to your letter dated [ insert date of their letter ], regarding the complaint I filed through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, concerning inaccurate information on my consumer report and identity theft. 

I appreciate the effort XXXX has made to review my case, and I acknowledge your request for additional documentation to process my dispute. Please consider this letter as a formal request under the Fair Credit Reporting Act ( FCRA ) for a description of the procedure used to determine the accuracy of the disputed information, as well as the contact details ( business name, address, and phone number ) of any entity that provided the information in question. 

In addition, I want to clarify that my goal is not to merely update my file with my UCC-1 financial transactions. I expect that these transactions be properly recorded and posted on my credit report like any other tradeline. This includes reflecting them as active financial obligations and reporting them in the same way other debts, loans, and tradelines are listed on my credit report. It is essential that my UCC-1 filings be handled with the same standards and procedures as any other tradeline reported to credit bureaus.

I will be submitting the necessary documents to verify my identity through your Consumer Portal as per your instructions. 

Please keep me informed of any further actions required from my side and update me on the status of my dispute and the inclusion of my UCC-1 financial transactions on my credit report at your earliest convenience. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian, XXXX, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX 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
Consumer complaint received 2024-10-19 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: DISCOVER BANK
State: VA

Complaint narrative:
Discover has predatorily and improperly abused reports & transactions, violating the fair credit reporting act as well as truth in lending act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: CA

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-10-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/year> I did not authorize Synchrony Bank to run my credit. I told them that I would pay in full out of my own pocket

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 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
The amount owed was paid to XXXX for {$120.00} and the account is paid in full. Southwest XXXX is attempting to collect and sue on a non existent. debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I got an alert that XXXX was being deducted from my bank account by XXXX XXXX I did NOT authorize this transaction! I called chime immediately and told them XXXX somehow stolen my bank card information and updated it into their database, then proceeded to make an unauthorized transaction from my account. I also emailed chime alerting them of this as well. Yet my money is still not back in my account why do I have to fight for MY MONEY? I worked for my money! If I'm telling my bank that the transaction was unauthorized why do I got ta prove that it was unauthorized clearly I do Not dispute every single transaction that I make but with this particular transaction I am disputing it because my banking information was compromised and funds stolen out of my account due to an illegal unauthorized transaction. Yet chime still allowed my money to be stolen illegally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 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:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, Transunion, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-19 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: GA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, XXXX, or Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a XXXX checking account with Citibank financial on XX/XX/XXXX and made an initial deposit of {$360.00} through an ATM. They allowed me to make a deposit into this same account they say was closed in that same day .However, when I tried to use my debit card and withdraw funds, I was unable to do so. Citibank financial informed me that my account had been closed without any explanation and is under review. They also mentioned that my funds will not be accessible until XXXX. I can still login to my on line banking account. So therefore it cant be closed.

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