vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I hereby request the blocking and deletion of these accounts. It is important to note that this request is not made in error and is not founded on any material misrepresentation concerning the need to block these transactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I have multiple accounts appearing on my credit report with the same company ( Total Visa ) or under the same parent company umbrella. These accounts were opened in my name Maiden name ( XXXX ) and now are reporting a non-payment status ( 120 days or more past due ) which is without my knowledge and it has been an adverse effect on my credit report and score. I got married several years ago and I have changed my name with Social Security as well. These accounts were opened after I changed my name etc. This company still has all the past-due accounts under my maiden name. I have contacted this company via US mail numerous times with no response to date. There are XXXX separate accounts from this Credit card issuer all appearing on my credit report. The accounts are now being listed as charged off but every week they are reporting a past due status to all three credit bureaus of 120 days past due. Is it legal to report negative status credit status every month to : ( XXXX, XXXX and XXXX ). 


XXXX. TOTAL SELECT/XXXX has flagged your account as XXXX Days Past Due. 
Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX has flagged your account as XXXX Days Past Due Account ending in XXXX Address : XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. Total Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX ( XXXX last # XXXX ) and ( XXXX # XXXX ) and I written several complaints regarding my account missing or ommitting money.

1 ) Either the balance does not match my expenses and 2 ) The charges on the account are repeated after being deducted on the day of the available balance and then added to the pending on the following closing of the day thus, charged twice to my account.

3 ) The available balance at end of day changes when charges are repeated For instance, On XXXX The available balance after deducting my charges of the day was {$870.00} Today, I went to my account and some charges were omitted from the XXXX and repeated and deducted from the current available balance. Thus the account balance was {$830.00}. 

There is a deficit on the account after my purchases of : {$12.00} My account is not supposed to get charged the monthly fee as it does not have a separate credit card attached to checking or linked to account. 

The current charges are : {$6.00} ; {$6.00} ; {$14.00} ; {$5.00} Reflecting two available balances at closing of day : XXXX -- -- {$870.00} XXXX -- -- - {$830.00} Deficit or ommitting : {$12.00} to my account. 

On another day : XXXX XXXX XXXX XXXX  {$66.00} missing or ommitted from my Citibank account. 
Available Balance on account : incorrect. 

XXXX XXXX  XXXX XXXX {$17.00} Missing or ommitted from Citibank Account. 
The intention of theft was to leave the account at a value of XXXX. 
Nonetheless, the bank has adjusted account to estimate or cover theft by {$9.00}. 
Missing {$17.00} 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 2024-03-09 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: PA

Complaint narrative:
I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block 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.. 
so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. The account that reappeared is XXXX XXXX  account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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 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 2024-03-09 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: 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 XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  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 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 2024-03-09 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: OR

Complaint narrative:
unauthorized hard inquiry on my report from XXXX XXXX did not authorize this inquiry on my transunion report or the inquiry on experian. Both are from 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 2024-03-09 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: Klarna AB
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a car stereo from a company called XXXX located in XXXX. I financed the purchase with Klarna and made two payments as of today 's date. The product arrived with a slew of issues, issues that XXXX could not resolve, I opened disputes with Klarna and was enticed numerous times by XXXX with a {$300.00} refund in exchange for canceling the dispute. I first agreed and canceled the dispute. I then uncovered two more issues with the unit while I was still in my 30 return window. I opened another dispute and was immediately closed by Klarna, when I called about this I was told that an email was sent XX/XX/24 requesting my proof, I never received said email, and how could you close the dispute the same day you claim asked for my proof? Throughout this entire experience XXXX has constantly lied to Klarna, I have a chain of emails proving that, which Klarna never took into consideration. I have ulimatley decided this unit was shipped to me in a defective state, XXXX wants me to bear the cost of returning a defective unit to XXXX, that is beyond unreasonable to ask of any customer. I have emails from them proving they lied in their response to Klarna 's inquisition. I feel that I have been cheated and scammed by this company, and shame on Klarna for condoning this behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: 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 : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX, XXXX Account Number : XXXX Account Name : XXXX 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 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 2024-03-09 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: 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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX 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 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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-09 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 XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
on XXXX XXXX i seen Genesis credit monitoring on my transunion account i reached out to them and they couldn't provide information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are following information that are being reported within my credit reports that are incorrect. These information have placed me in the wrong light with new creditors who are looking at my credit applications and seeing contradictions in the data that is being reported in my credit reports. Therefore, I am asking that you correct these items of information and remove the incorrect items of information.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are following information that are being reported within my credit reports that are incorrect. These information have placed me in the wrong light with new creditors who are looking at my credit applications and seeing contradictions in the data that is being reported in my credit reports. Therefore, I am asking that you correct these items of information and remove the incorrect items of information.

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 2024-03-09 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: OR

Complaint narrative:
unauthorized hard inquiry on my report from XXXX XXXXI did not authorize this inquiry on my transunion report or the inquiry on experian. Both are from 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 2024-03-09 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: CA

Complaint narrative:
The inaccuracies in these late payment entries are negatively impacting my ability to obtain the necessary credit, as they are substantially reducing my credit score. Professionals whom I consulted have confirmed the existence of legal safeguards designed to prevent the dissemination of erroneous credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XX/XX/2024, I asked to change my due date to the XXXX of every month. 

I have never been charged any interest on my credit card payments - I always pay full statement balance. 

The issue is the XXXX Statement- the previous month with a balance of {$170.00} - i paid my balance in full with also the purchases made throughout XXXX which can be seen on the statements attached. 
But there was a purchase for my phone bill on the XXXX of XXXX. But they have charged me interest on the purchase made as if it is over from a previous month. 

I am concerned at the haze of clarity I have gotten from them when i have spoke to them on the phone, but even though it's {$3.00} i wanted to bring this to the consumer financial protection, because this bank is known for previous incidents. There is no way i should be charged interest on a purchase made 5 days before the statement was issued, when my final months balances have been paid off.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are following information that are being reported within my credit reports that are incorrect. These information have placed me in the wrong light with new creditors who are looking at my credit applications and seeing contradictions in the data that is being reported in my credit reports. Therefore, I am asking that you correct these items of information and remove the incorrect items of information.

Company response to consumer: Closed with non-monetary relief