vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-20 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: Nelnet, Inc.
State: NV

Complaint narrative:
THIS COMPANY AS WELL AS THE XXXX XXXX XXXX XXXX HAS VIOLATED THE FAMILY & EDUCATIONAL AND PRIVACY ACT OF 1974 AND ALSO WHEN I SIGNED UP FOR STUDENT LOANS I SIGNED A PRIVACY ACT FORM THAT SAYS THE SCHOOL WILL NOT PROVIDE MY STUDENT LOAN TRANSACTION HISTORY TO ANY THIRD PARTY COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: GA

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-05-21 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: LEXISNEXIS
State: SC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for a Citi XXXX XXXX card XX/XX/XXXX and was denied for inquires. I have good credit and XXXX inquiry in 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 2024-05-20 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: SC

Complaint narrative:
To Whom It XXXX Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$XXXX} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit. Ive attached the inaccurate account below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: VA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-20 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: CA

Complaint narrative:
I request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  XXXX This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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 request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  XXXX This account is being reported inaccurately, please remove this from my credit report 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 2024-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FourLeaf Federal Credit Union
State: OH

Complaint narrative:
I paid XXXX XXXX XXXX {$27000.00} on XX/XX/XXXX for an auto lease buyout on my XXXX XXXX XXXX XXXX. I had been paying them for the auto lease as instructed by the XXXX XXXX XXXX in XXXX XXXX, OH. I was told multiple times by customer support that upon receipt of the money, the title would be transferred to me within XXXX weeks. Not only did they not send any form of confirmation that they received the money, but I still have not received the title which is required in order to transfer ownership in the state of Ohio. I called support again on Tuesday, XX/XX/XXXX asking them about the status of my title. I was told after they looked in their system that yes they had received the money, and they had not done anything in terms of paperwork. I was assured that I would receive the title this week. Today, I received confirmation of a loan payoff. I did not even have a loan with them, and this is not what I need to prove ownership of the vehicle in the state of Ohio. I do not know what else I can do to get the title that I paid for other than contact CFPB or get an attorney involved.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage 76 % Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCORDING TO THE USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES

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 2024-05-20 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax 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 inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX amount of XXXX under the account XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX under the account number XXXX XXXX XXXXXXXX in the amount of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
This account narrative reads verbatim account close by credit guarantor however, this account is still able to be pulled on a rent score report therefore enabling me to be able to find housing. There is no balance on the account as the account has been closed since XX/XX/2021, there is no reason for this to continue to hinder me From finding a place to stay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : CAP ONE - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I recieved a physical card from cash app I tried to register it, it didnt go through it was an error. Tried contacting CASHAPP but they told me they couldnt do anything and I only can have access to my funds digitally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you require the Experian 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. 

On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXX XXXX  with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. 

I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress.

Please find attached account in question as well as a copy of my consumer FICO credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud.

I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law.

Thank you for your prompt attention to this serious 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