vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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: MD

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  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Privacy Violations 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

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 2024-11-07 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: SC

Complaint narrative:
EXPERIAN REPORTING A FRAUDULENT XXXX ADDRESS I HAVE ASKED TO REMOVE ALSO A FRAUDULENT ACCOUNT WHICH I PROVIDED A POLICE REPORT FOR AS A VICTIM OF DATA BREACH AND IDENTITY THEFT I HAVE PREVIOUSLY BEEN. I HAVE DISUTED THIS WITH AFFIRM AND PROVIDED POLICE REPORT. ALSO LISTED COMPANIES XXXX XXXX AND XXXX XXXX  WERE THE RESULT OF HUMAN TRAFFICKING I HAVEASKED THEM TO REMOVE IT A MONTH AGO WITHIN FOUR BUSINESS DAY.S STILL NO RESPONSE ALSO MULTIFPLE UNAUTHORIZED INQUIRIES

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 2024-11-07 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-11-07 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX, Acct Number XXXX, bal. {$1100.00} XXXX XXXX, Acct Number XXXX, bal. {$970.00} XXXX XXXX, Acct Number XXXX, bal. {$500.00} XXXX, Acct Number XXXX, bal. {$2000.00}

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 2024-11-07 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information. Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries. Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws.

Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out.

I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial distress caused by their non-compliance.

I look forward to a swift and effective resolution 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
Consumer complaint received 2024-11-07 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information.

Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries.

Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws.

Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out.

I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial distress caused by their non-compliance.

I look forward to a swift and effective resolution 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
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On multiple occasions, I attempted to initiate a wire transfer from my Citibank account, but the bank has repeatedly prevented me from doing so. I have spent over 5 hours speaking with Citibank representatives, who have assured me each time that my account is in good standing. Despite this, they have not provided any clear reason or resolution for the inability to send wires, which is causing significant delays for an important payment I need to make.

This problem is unusual, as I have previously been able to send wire transfers from this account without any issues. Each time I attempt to resolve this with Citibank, I am given generic reassurances but no specific solution to address or resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NC

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance : {$660.00}

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 2024-11-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no non of the alleged Debt nor therefore any such debt in fact exists. 

Present to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} 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 2024-11-07 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.

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 2024-11-07 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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.

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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for XXXX XXXX Dear United Credit & Collection, I am writing to formally request validation of the debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. A copy of the assignment contract that verifies your legal right to collect this debt, please be sure my name and account number is written on this document.

2. The original creditor 's name and contact information.

3. The amount of the debt, including any interest or fees.

4. Any documentation that supports your claim. Additionally, I request that you cease and desist all collection activities until you provide the requested validation. This includes refraining from reporting this debt to any credit reporting agencies until you can verify the legitimacy of your claim.

5. Bill of sale with my name and account number listed on it.

Please send all requested information to my address listed above. Until I receive the requested validation, I ask that you cease all collection activities, as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5./ step validation procedure which makes this unfair practice. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: OH

Complaint narrative:
XXXX XXXX Social Security Number : XXXX Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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, and XXXX XXXX XXXX. Auto loan account opened XXXX XXXX XXXX in XXXX, and XXXX XXXX  opened around XXXX. Charge off accounts for XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the hard inquiries in question below. 

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 XXXX XXXX XXXXXX/XX/XXXX 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried a balance transfer promotion with Citi for the first time ever. I paid a 4 or 5 % up front rate so that I'd have just 0.99 % interest for 12 or 14 months on {$20000.00}. Since this was an XXXX  XXXX  card, I used it to buy airline tickets on XX/XX/year> for ~ {$2100.00}. I waited for this transaction to post, then made a payment of ~ {$2100.00} on XX/XX/year> to avoid interest charges accruing at a high rate. I noticed the next month that this payment was instead applied to my 0.99 % promotional balance, then Citi charged me interest on {$1600.00} of average daily balance at 9.99 % in XXXX and {$2700.00} in XXXX, showing my promotional balance is down to just {$17000.00} in XXXX from {$19000.00} in XXXX. 

I talked to phone agent and supervisor on XX/XX/year> and they agreed the payment was misapplied ( should have gone to the " higher balance '' amount ) and they advised me to wait a few days for the correction to go through so I would know what the correct balance was to pay for this month ( I would rather not " overpay '' on my promotional rate balance ). However, this did not happen, and two online agents today were equally unable to solve my problem though XXXX did agree to file a " complaint '' on my account.

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