vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I held a XXXX credit card XXXX Received a notice dated XX/XX/XXXX indicating the XXXX would be XXXX %! I've never seen such a high XXXX when the prime rate is XXXX  %. CFPB shows XXXX % APR as the XXXX high. 

I called to cancel my card in opposition to this price usury and to register my concern about the impact to average Americans, many of whom do not take the time to read such notices and the fine print. The agent was unable to indicate why such a high rate saying it was due to " market conditions ''. XXXX, the agent, had no speaking points about the letter, offerd no negotiation of rate, was unable to explain why a high " margin rate '' of XXXX % or what " market conditions '' in particular are causing this APR. The lack of concern made me aware that Macy 's customer service is probably not fielding too many calls as a result of this notice. I'm guessing many customers are unaware of this price gouging. 

We need credit card reform and federal legislation to protect consumers from usury. There should be legislated caps on APRs and fees. XXXX XXXX is not entitled to bankrupt Americans. XXXX % is a direct attempt to cause financial havoc on millions of American consumers and families.

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 2024-08-18 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:
OUR COMPLAINT 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, THESE ADDRESS & NAME ARE NOT ACCURARE # XXXX XXXX XXXX  Tx XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXXt XXXX XXXX tx XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX, XXXX XXXX, THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C.1681Section

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 2024-08-18 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: NC

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : [ XXXX XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account XXXX which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXXAccount Number : XXXXUnknown - **Dispute Reason : XXXX  Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : XXXX. **No Permissible Purpose : ** I have not given XXXX or any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

XXXX. XXXXInaccurate Reporting : XXXX The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

XXXX. **Lack of 1099-C Form : XXXX  I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

XXXX. XXXXImproper Notification : XXXX I have not received proper notification of this collection from XXXX or the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights. 

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, 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 2024-08-18 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account XXXX which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXX Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : XXXX. **No Permissible Purpose : ** I have not given XXXX XXXX any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

XXXX. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

XXXX. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights. 

I appreciate your prompt attention to this matter and look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. These inquiries were made without my permission and appear to have been fraudulently initiated by various companies. 

I have spent numerous hours contacting the credit bureaus since 2023 to dispute several hard inquiries on my credit report, explaining that these inquiries were made fraudulently. Unfortunately, I have not received any resolution to this issue.

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 2024-08-18 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. These inquiries were made without my permission and appear to have been fraudulently initiated by various companies. 

I have spent numerous hours contacting the credit bureaus since 2023 to dispute several hard inquiries on my credit report, explaining that these inquiries were made fraudulently. Unfortunately, I have not received any resolution to this issue.

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 2024-08-18 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:
To whom it may concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains inaccurate information.

In accordance with the fair credit reporting act if information is found to be inaccurate or incomplete or can not be verified must be removed this is a violate my rights 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions Thank you for your consideration, and I hope you'll approve my request.

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 2024-08-18 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: Chime Financial Inc
State: GA

Complaint narrative:
Chime has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received a written communication from Professional Debt Mediation ( PDM ) regarding a payment of {$5800.00} owed to XXXX at XXXX XXXX, an apartment complex in XXXX XXXX, XXXX I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my XXXX Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDM describing the delinquent account at XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notifying me that a fraudulent copy of my Drivers ' License has been discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), an XXXX XXXX XXXX XXXX  under the account number ( XXXX )XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-18 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: VA

Complaint narrative:
I reached out to Experian multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. Experian does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need Experian to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXXXXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.

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 2024-08-18 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I reached out to XXXX multiple times regarding my credit report. Example today XXXX I advised them - Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. They responded less than a hour and stated- they will leave information on my credit report. XXXX does not give me the option to dispute using correct reasons, I have to use different reasons that don't apply to my situation because it does not allow me. I disputed with them multiple times due to incorrect balances and how they are STILL reporting charge off accounts as current. Law 15 usc 168 ( e ) B to remove charge off from credit report. I also informed them charge off are only reported ONCE not monthly. That is inaccurate and I informed them of that as well. They decided to keep the same information and also advised me that they will keep it on my account as well. That is inaccurate. I called them 3 months prior about removing personal information when asked about removing my employer I was informed that I couldn't even though I no longer work at that employer and haven't worked for that employer in almost XXXX years. I need XXXX to do their Jobs correctly and to also update and remove ALL collections because I did not give them permission to report. I also informed them the information they are reporting is inaccurate which has to be removed.Below I can show you they are still reporting charge off each month when its inaccurate and I advised charge off only reports once it has to be REMOVED once its reporting inaccurate. Also I reached out to XXXX XXXX VERBALLY and informed them how they were not allowed to report information and how it needs to be removed because they were reporting as charge off they send a letter confirming they will STILL report charge off monthly.

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 2024-08-18 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:
XXXX has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.

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 2024-08-18 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:
I am writing to formally dispute the accuracy of certain collections and charge-offs reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 . Specifically, I believe the following accounts are being reported inaccurately and require immediate investigation : 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA ( 15 USC 1681i ), I am entitled to have these disputed items investigated and corrected or deleted if found to be inaccurate or unverifiable. 

In addition, under the FCRA, I am requesting the **Record of Assignment** for each of these accounts. This includes any documentation or agreements showing the transfer or sale of the debt to the current creditor or collection agency. If no record of assignment exists, I request that these items be removed from my credit report as they can not be legally verified. 

Please find enclosed the following documents to support my dispute : - A copy of my identification [ e.g., driver 's license, passport ]. 

I request that you : XXXX. Investigate the disputed accounts and correct or delete any inaccurate information. 
XXXX. Provide me with the record of assignment for each of the disputed accounts. 
XXXX. Update my credit report to reflect any corrections made. 
XXXX. Inform me of the outcome of your investigation within 30 days, as required by law. 

Please note that failure to provide the requested information or correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief