vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : Equifax, XXXX and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! EQUIFAX, XXXX, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?!

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week. 

Please help protect consumers with this illegal activity. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I assert that the inclusion of erroneously reported late payment notations on my accounts constitutes a violation of 15 USC 1666. Each payment associated with these accounts has been duly submitted, and any deviation from this accurate reporting is unjust and illegal.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the recent findings of inaccuracies in my credit report. Upon conducting an investigation, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). This negligence on your part has not only caused me severe emotional distress but also jeopardized my financial well-being.

I demand immediate action to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence sent to your agency for your reference.

Failure to address these issues promptly will leave me with no choice but to take legal action to protect my rights under 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the recent findings of inaccuracies in my credit report. Upon conducting an investigation, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly.

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). This negligence on your part has not only caused me severe emotional distress but also jeopardized my financial well-being.

I demand immediate action to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence sent to your agency for your reference.

Failure to address these issues promptly will leave me with no choice but to take legal action to protect my rights under 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 explanation
Consumer complaint received 2024-03-21 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: KS

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: FL

Complaint narrative:
I have received the following email : ( mind I never applied for anything ) When I called the phone number the automated system has requesting the full SSN #. After going through the menu without providing the information, the customer service rep informed me that without the SS # he is not able to access my account. I'm sure they are collection people 's SS # and using them for criminal activities. 

I hope, something can be done to shot down this operation. 

NetSpend www.netspend.com Account Issue - Contact Customer Service XXXX www.netspend.com From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX Dear XXXX, There may be a problem with your Netspend XXXX, Account ending in XXXX. Please call customer service immediately at the number on the back of your card or XXXX. 

Sincerely, Your Netspend Card Team XXXX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend XXXX. We are required to send you such notifications regardless of your unsubscribe status for your protection. Please do not reply to this message. E-mail Security Information Message intended for : XXXX ; Account Ending XXXX. 
( C ) 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXX 2024 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Best regards, 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 2024-03-21 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-21 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: 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 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 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 2024-03-21 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: NC

Complaint narrative:
Attached is my 1099C Forms Copy B received from the named corporations below showing proof that the alleged debts are discharged as follows : XXXX, XXXX XXXX, and XXXX XXXX accounts.

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 2024-03-21 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: TX

Complaint narrative:
I recently received a copy of my credit report and found that Transunion is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, 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 2024-03-21 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: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
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 : Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX5 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 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 2024-03-21 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
I have a " Visa Signature Rewards '' credit card with my Fidelity account that I believe is managed by Elan Financial Services, because this is the fine print at the bottom of that page on their web portal : -- -- - Credit card information, statements, and card terms and conditions are provided by Elan Financial Services Fidelity XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm having repeated difficulty with Fidelity holding deposited funds for additional days, resulting in returned auto-draft payments for the affiliated credit card account and substantial ( {$41.00} each ) returned payment fees. Fidelity has given me inconsistent and incorrect information regarding the " funds availability '' of deposits into the individual cash management account from which the credit card payments are auto-drafted each month. The general excuse from Fidelity seems to be " we're not a real bank '', so unlike banks, they aren't required to abide by the XXXX XXXX XXXX requirements. I was told previously that for deposits ( check photos by phone ) under a certain amount, the funds are available the next day, otherwise it's XXXX days. I've complained about this several times previously, and each time I'm told a different limit- {$600.00}? {$250.00}? but today I was told any funds are held XXXX days. Regardless, I made a deposit on XX/XX/XXXX of {$390.00}, saw it was " available to trade '' on XX/XX/XXXX, yet my credit card auto-draft payment was returned and I was again charged a {$41.00} returned payment fee. Elan Financial has previously refunded a few of these fees, but the underlying issue between Fidelity and Elan remains.

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 2024-03-21 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: TX

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
They have reported false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : EQUIFAX CREDIT REPORTING I have noticed 5 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed as soon as possible. 

XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After being an XXXX  years of a CITIBANK customer I have received letters of account closure notification. CITIBANK is stating that they are closing all of my checking and savings accounts. They are not providing any specific or generic reasons of this action.

I have tried reaching out to their branch and online representatives including supervisors. None of them were able to provide me with any specific reason for why my accounts are being closed.

I insisted to receive a reason of the account closures but the final verdict was always that nobody would be able to provide that information.

As a matter of fact, there is no plausible reason that would cause my accounts being closed. I would be glad to communicate and provide any information that they perceive as a reason however, CITIBANK is completely closing the communication channels and treating their customers as disposable objects rather than human beings.

My takeaway is that CITIBANK simply kicks their customers out anytime they see them not fitting to their systems. They are not willing to communicate and provide reasons simply because they don't have any.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Contacted all credit bureaus : XXXX, XXXX, and XXXX about collections on my credit report. 
From the company : DEBT RECOV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation