vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: NJ

Complaint narrative:
Under my rights as a federally protected consumer under 15 U.S.C. Chapter 41, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXXXXXX XXXXk XXXX Account # XXXX, Opened : XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX, Opened : XX/XX/XXXX. These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 ( b ) & ( e ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey Consumer Fraud Act ( NJCFA ), N.J.S.A. 56:8-1 et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.

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 2024-10-17 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

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 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am a cashapp card holder. I have a business account with them cash app is allowing XXXX XXXX to make double authorization charges on my account meaning double charges they told me that they allowed XXXX XXXX  to force a double payment on my account which led it to a negative balance then told me that its nothing they can do and I have to wait ten days for it to fall off this is insane every customer representative I have spoken to was rude and basically told me thats it is what it is and they cant do anything about this problem they even hung up the phone on me multiple times when I called to address this issue.this is illegal what they are doing allowing merchants to force double payments on customers accounts cash app has poor customer service and they a robbing customers or at least helping or assisting merchants such as apple cash and others to pull this illegal move

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I purchased a laptop using my credit card issued by the store. I was told i will receive the following promotions with my purchase. 
XXXX $ promotional certificate, XXXX rewards points for using credit card, XXXX $ promotional certificate I only received the XXXX $ promotional certificate. Didnt receive the rewards points or the other certificate. I was able to see the points in the rewards history but it wasnt getting shown in the balance for me to redeem. Tried calling the store and credit card company multiple times spending more than 25 hrs total. The customer service kept telling me that the will escalate the issue but the next time i call its a different agent and again tells me they will escalate. This went in an endless loop. 
Finally i decided to close the account and file a 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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts I believe do not belong to me and are belonging to someone else. It's affecting my credit scores and I feel so much stress behind 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 non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit by XXXX XXXX XXXX on XXXX, 2024. They listed several credit reporting companies. On XX/XX/year>2024, I wrote each company asking for a copy of my credit report. 
XXXX XXXX will not send me a complete copy of my credit report. They send a URL link that does not work. I want a printed paper copy of my report.

they keep sending form letters.

Please make them send me a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-17 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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 did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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 did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-17 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-17 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts I believe do not belong to me and are belonging to someone else. It's affecting my credit scores and I feel so much stress behind 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 2024-10-17 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: MS

Complaint narrative:
Upon reviewing my credit report, I found errors linked to 15 USC 16c-2. The inquiries shown were not authorized by me and are affecting my credit score. Please remove all unauthorized hard inquiries. Thank you!

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 2024-10-17 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-10-17 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request - Account # XXXX Dear Experian Consumer Assistance, I am writing to formally request debt validation in accordance with the federal consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), regarding the alleged debt associated with Account # XXXX. 

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request verification of the debt you are attempting to collect. I must remind you that it is your legal obligation to provide me with the requested information within five days of receiving this request. Failure to do so could result in violations of the FDCPA. 

Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I have the right to dispute and request investigation of any inaccurate or incomplete information on my credit report. This includes the right to receive verification and substantiation of the debt 's validity.

I expect your full compliance with these federal laws and regulations. Specifically, I request the following information and documentation related to this debt : The name and contact information of the original creditor.

A complete and detailed account statement, outlining the original amount of the debt, all charges or fees applied, and an itemization of all transactions related to this account.

Verification of your authority to collect and report on this debt.

Any written agreement or contract bearing my signature, binding me to this alleged debt.

I must emphasize that the FDCPA and FCRA were enacted to protect consumers ' rights and ensure fair and accurate reporting of information. It is essential that you provide the requested verification without delay, ensuring that my rights as a consumer are upheld.

Please provide your response in writing to the address provided above. I expect your prompt compliance with federal law and anticipate receiving the requested information within the specified timeframe.

Thank you for your immediate attention to this matter. 

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 explanation