vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
I am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 Unauthorized Inquiries to be Removed Immediately 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 And many more previously disputed XXXX 
Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability. 

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company. 

This is your final warning. Comply with federal law, or face the consequences

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 2024-09-10 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: MD

Complaint narrative:
I am at my wit 's end with your inability to handle the clear and obvious fraud on my credit report. Despite multiple attempts, you have failed to remove the fraudulent accounts and inquiries that I did not authorize. Your lack of action is both negligent and illegal. This is my final demand before I sue you. 

Fraudulent Accounts to be Removed Immediately : 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 Unauthorized Inquiries to be Removed Immediately 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  And many more previously disputed .

Legal Violations and Consequences : Your refusal to act violates : Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] 12 CFR 1006.34 ( b ) ( 5 ) FCRA Section 605B [ 15 U.S.C. 1681c-2 ] FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] 15 U.S.C. 1692c 15 U.S.C. 1681b 15 U.S.C. 1681N These laws mandate that fraudulent accounts and inquiries be removed promptly. By ignoring these regulations, you are exposing yourself to massive liability.

If the fraudulent accounts and inquiries are not removed within 7 days, I will take you to court and seek {$1000.00} per violation, plus {$10000.00} in damages for emotional distress and hardship. I will also escalate this issue to the CFPB and FTC, which may result in further penalties for your company.

This is your final warning. Comply with federal law, or face the consequences

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: AZ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am sending this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally notify you of a recent identity theft incident that has resulted in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and I request their immediate removal to rectify this matter. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX  XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XX/XX/year> An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I urge the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Checking and Savings accounts at Citibank, N. A. and keep there all my savings for the last 25 years. 

I tried to place a big charge ( {$25000.00} ) on my debit card at a car dealership on XX/XX/2024. The charge was repeatedly denied ( even though I notified the bank in advance that I would be placing this charge ). After that I was told that there was a fraud alert, all my account were placed " under review '' and I could not use them. My attempt to receive a cashier 's check in a local branch to finish the vehicle purchase on XX/XX/2024 was unsuccessful. 

During multiple calls to customer service at Citibank from XX/XX/2024 and on all consequent days, I was told that review would take 24 hours and I would receive a call. As of the night of XX/XX/2024, XXXX full days have passed including one business day, and the issue is unresolved. I still have not heard back from the team that is supposed to clear my account. And they have no direct phone number, so neither I, nor even my Citigold manager at a local branch can reach out to them directly. 
I have bills to pay, and Citibank is not allowing me to use my own money and only keeps repeating that they need 24 more hours. 
Please help in restoring my full access to my own money.

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 2024-09-10 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: Conn's, Inc.
State: TX

Complaint narrative:
Dear Conns I am writing to dispute the unauthorized sharing of my personal financial information in violation of the Gramm-Leach-Bliley Act. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the Gramm-Leach-Bliley Act.

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer.

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the Gramm-Leach-Bliley Act in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MO

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp 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 XXXX XXXXXXXX XXXX XXXXXXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX  XXXX {$170.00} AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED AND LETTER FROM A ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKNG- DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCKING THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANY INFORMATION XXXX. PLEASE DELETE THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX CLOSED, XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXXXXXX XXXX XXXX {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/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 2024-09-10 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: GA

Complaint narrative:
I have filed complaints with the XXXX bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My personal XXXX and XXXX with Bank of America were closed. XXXX and XXXX Also my business XXXX that is in my name XXXX I have always handled my credit cards in a proper manner and always paid my bills on time, in fact I just made a payment on both accounts recently. There is absolutely no legal justification for closing my credit card accounts. Obviously, they are closing my accounts due to my advanced age and I consider this elderly abuse. Additionally, at least the card ending in XXXX has disappeared from my online login BofA profile XXXX  so I can not even see what is owed on it or what I should pay now.

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 2024-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the account listed is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted 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 2024-09-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I, XXXX XXXX an XXXX XXXX applied for an increase for my credit card thats opened with ( Capital One ) was for XXXX, i was denied due to many factors but 15 USC 1691 & 12 CFR 1002, I cant be denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal. Securities exchange act, Federal Reserve Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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