vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, 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 2024-10-21 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: MO

Complaint narrative:
I see that XXXX and Equifax has removed XXXX XXXX XXXX off my consumer reports and it is proof of my claim but has not yet compensated me for the actual damages cause and also the violations. If can't resolve this issue, then I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-21 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:
Heres what needs fixing : **Personal Information : ** - **Incorrect Name** : XXXX XXXX - **Incorrect Previous Address** : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - *Date of Birth** : XXXX  only - Current Address** : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - **Incorrect Employer** : XXXX XXXX  XXXX **Collections/Accounts : ** - XXXX XXXX XXXX  : Account ending in XXXX - XXXX XXXX XXXX XXXX Account ending in XXXX - *XXXX XXXX XXXX XXXX  : Account ending XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : Account ending in XXXX - XXXX XXXX : Account ending in XXXX - XXXX XXXX  : Account ending in XXXX - **XXXX** : Account ending in XXXX **Inquiries : ** - XXXX XXXX XXXX XXXX  XXXX - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Dear Sir/Madam, I am writing to formally submit a complaint against HSBC regarding the unjust closure of my accounts. HSBC has closed my accounts without providing a clear or legitimate reason and referenced terms in a hyperlink-controlled document that was neither reasonably presented nor clearly disclosed at the time of account opening. This situation has caused significant financial harm and raises serious concerns under U.S. consumer protection laws.

Details of the Issue : Bank : HSBC Bank USA XXXX. 
Account Types : personal savings, checking, investment, credit cards Date of Closure Notification : XX/XX/year> Reason Provided by HSBC : HSBC has consistently refused to provide any specific reason for the account closure, stating that they reserve the right to close accounts at their discretion, as indicated in a hyperlink attached to the original contract. This clause was not adequately disclosed or highlighted when I opened the account. 

Relevant Legal Concerns : 1. Lack of Clear Contractual Terms : HSBC has indicated that the right to close accounts without reason is detailed in a hyperlink found in the online version of their terms and conditions. This clause was not adequately disclosed or highlighted when I opened the account. According to 12 U.S. Code 5531 ( Unfair, deceptive, or abusive acts or practices ), it is unlawful for financial institutions to engage in unfair or deceptive practices, including burying significant contractual terms in hyperlinks that are subject to unilateral modifications by the bank without proper disclosure or customer consent.

2. Unfair and Unreasonable Contract Terms : The clause HSBC refers to effectively allows them to close accounts without explanation, and because the clause was hidden in a hyperlink-controlled document, which can be modified at their discretion, it denies customers the opportunity for informed consent. This violates the principle of fairness under the Truth in Savings Act ( 12 U.S. Code 4302 ), which requires that all terms of a banking contract be clearly and conspicuously disclosed at the time of account opening. The failure to provide a clear, stable, and unmodifiable contract term undermines my ability to make informed decisions and contradicts federal regulations mandating transparency. 

Impact on Me : I have lost access to my funds and accounts without any clear reason or warning, significantly disrupting my personal finances and business activities. 
HSBCs refusal to explain their decision prevents me from addressing or rectifying any potential issues. 
The lack of transparency and fairness in their contractual terms has eroded my trust in their services and damaged my financial standing, possibly affecting my ability to open accounts elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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

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 2024-10-21 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: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Accounts are 6 years old or longer and some reports have inaccurate information, such as spelling of name and times loan was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, 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 2024-10-21 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 contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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:
I am writing to formally address ongoing inaccuracies on my credit report, which remain unresolved despite previous attempts to dispute them. These errors are significantly impacting my ability to obtain credit, and I am entitled to compensation under 15 U.S. Code 1681i ( 6 ), which mandates that consumer reporting agencies notify consumers of the results of reinvestigations within five business days after completion. Your failure to correct these inaccuracies indicates noncompliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to verify disputed items As per 15 U.S. Code 1681i ( FCRA ), if disputed items can not be verified, they must be removed from my credit report.

Civil liability for noncompliance Under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ), your agency may be held liable for failing to comply with federal law.

Debt collection violations Under 15 U.S. Code 1692k, your agency may be accountable for violations related to debt collection practices.

Continued failure to address these inaccuracies will compel me to take further legal action, including seeking compensation for any violations.

Specific Discrepancies : Charge-Off Accounts Listed below must be deleted immediately due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts The collection accounts listed below are in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be deleted immediately from my report.

Unauthorized Inquiries The inquiries listed below were made without my consent, in violation of 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my person

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is an urgent and severe message to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is in violation and have been warned that legal matters will be enforced if I receive absolutely ANY solicitations for a Collection on Debt via Phone, Email or Postal Address. 

XXXX XXXX XXXX XXXX XXXX is now in a severe violation of the following : 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692d - Harassment or abuse I am the original creditor that funded this private account with CITIBANK , N.A .

CITIBANK , N.A . has violated Anti-Trust Laws and has indulged in an Unjust Enrichment. Citibank has also written off a debt and has sold my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

By way of false and misleading conveyance of languages within an agreement, this company has used my private social security number to access my Trust Account as I did not consent to. 

XXXX XXXX XXXX XXXX XXXX business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e.

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 tax forms from CITIBANK , N.A . showing that this debt was cancelled. 

I am aware that XXXX XXXX XXXX XXXX XXXX buys debt. debt is an asset and it belongs to the original creditor. I am the original creditor. XXXX XXXX XXXX XXXX XXXX must return to me immediately this debt as it is against the law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. XXXX XXXX XXXX XXXX XXXX has treated my consumer as an employee by using the SSN without proper verification required by submitting the SSN 89 form. I do not have an employer employee relationship agreement with this corporation. 

I do not consent to contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and CITIBANK , N.A . 

I will be enforcing legal punishment for violations of Trust Fraud against CITIBANK , N.A . as a very heinous and severe violation of Anti-Trust Laws has occurred.

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 2024-10-21 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: MN

Complaint narrative:
This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues.

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: MN

Complaint narrative:
This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues.

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.

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