vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report without any explanation. I routinely check my credit report, but today there were unexpected issues. I tried refreshing my browser, thinking it might be an error, but the unauthorized inquiries persisted. Therefore, I ask that the documents Ive submitted be carefully reviewed to prevent future concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I found incorrect accounts on my credit report today, and I don't understand why. When I reviewed my report as I typically do, these discrepancies appeared out of the blue. I tried refreshing my browser to see if it was a technical issue, but the errors persisted. Due to this, I'm asking for a detailed examination of the documents Ive submitted to prevent future worries.

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 2024-07-27 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: TX

Complaint narrative:
Unauthorized inquiries appeared on my credit report this morning, and I dont know why. I check my credit report regularly, but this time there were discrepancies I didnt expect. I refreshed my browser, assuming it might be a malfunction, but the unauthorized inquiries stayed. Consequently, I request a thorough examination of the documents Ive provided to ensure this doesnt happen again.

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 2024-07-27 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: AZ

Complaint narrative:
I have unauthorized account on my report named source receivables manag that is in collections thats not mines.

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 2024-07-27 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: AZ

Complaint narrative:
I have unauthorized account on my report named source receivables manag that is in collections thats not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Charge : {$280.00} on XXXX, and according to Citibank transaction record, XXXX XXXX XXXX '' at merchant, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

A second charge was also attempted that day on my Citibank card which was declined due to fraud suspicion ( which I confirmed as such ). The first charge was deemed my responsibility since a card was supposedly presented. 

However, even though the cards were in my possession that same day as the fraud activity took place, my phone geolocation data has me and my wife ( other authorized user ) over 30 miles away from that merchant ( we have also never done business with that merchant before nor have I been in/near that town for at least a decade, likely at least a couple decades- only reason I can't claim longer is I moved away from that area XXXX yrs ago ). 

If a card with XXXX was presented, as claimed by Citibank, there are now people cloning cards or faking cards with such technology ( I see some XXXX articles about such ). The quick closure by a financial institution despite trying to assert I was nowhere in the vicinity and placing the payment responsibility on me is inappropriate. 

Please let me know my options to resolve.

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 monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I received a XXXX  XXXX  card from Cash App in the mail to my home address. 
It has a card number, expiration, cvv, and is issued under my name. 
the letter included a QR code which I did NOT scan as I do not want to be a victim of further fraud. 
I did NOT apply for this card. I do NOT have a Cash App account. And I have NEVER used the CASH APP service before. 
I will be destroying this card and extending the locks on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt for Binance that they claim I owe. However, I have never signed any sort of credit agreement or lending agreement with Binance, nor have I ever conducted any monetary transaction with Binance. Binance is stealing money from me and now XXXX XXXX XXXX is trying on Binance 's behalf to take money from me that I never owed to Binance in the first place. XXXX XXXX XXXX has been unable to produce any evidence showing that I have authorized Binance to lend me money nor have they given me any proof that this alleged debt is mine. I have disputed this with all of the credit bureaus multiple times and they have not shown me any proof. This false payment owed is now on my credit report and is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NC

Complaint narrative:
Today, I saw that there are incorrect accounts listed on my credit report, and I'm baffled as to why. My usual check revealed discrepancies that weren't there before. I tried refreshing my browser, thinking it might be a tech issue, but the inaccuracies persisted. Because of this, I am requesting a detailed review of the documents I've sent so I won't have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
This account is improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to Experian.

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 2024-07-27 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: VA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed 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

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 2024-07-27 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: Credit Control, LLC
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies must uphold fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as stipulated by 15 USC 6801, which mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. A " furnisher of information '' to credit agencies qualifies as a financial institution under this law.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are allowed to provide consumer reports only in accordance with the written instructions of the consumer. Neither XXXX nor XXXX has my written consent to share my information. Therefore, all forms of consent to these agencies, whether verbal, non-verbal, written, or implied, are revoked. 

Furthermore, XXXX XXXX XXXX ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of how to opt out. The " furnisher of information '' did not inform me of my opt-out rights. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than seven years old in a consumer report. The adverse item being reported is in violation of this law, as it is being reported without my permission.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ), a person must not provide inaccurate information about a consumer to any consumer reporting agency. Also, 15 U.S. Code 1681e requires that consumer reporting agencies implement reasonable procedures to prevent violations of 15 USC 1681c and to restrict the use of consumer reports to authorized purposes. It appears XXXX and XXXX are failing to follow these reasonable procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am formally opting out of your reporting services.

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 2024-07-27 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-27 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed original complaint against Bank of America with CFPB which the never provided any response other than email to contact the direct for more info. I attempted to contact several times leaving numerous voicemails with name and call back number to no avail. My initial file with you was closed and was asked to share what occurred. In my last call to CFPB I was provided with state CA Banking regulator division number which I have yet to call only due to my need to keep you informed on this case now closed. No resulting or attempt to give information for how was my Bank of America Credit Card having a total {$1500.00} credit limit allowed me to go over my limit on continued Basis not refusing charge above XXXX limit allowing charges of more than XXXX over limit. I am XXXX and was unaware the charges so high above limit thought card deny any charges exceed XXXX this resulted in their increasing interest above XXXX percent and reporting me over credit limit to credit bureaus. As a XXXX American and reason for use of card was for local hotel booking having lost my housing and in emergency need to find new housing affordable to only living if social security XXXX limited income. During this time I never failed to pay my bill monthly and paid on time regularly only to then not able to use card being finally decided to not allow me exceed limit more than what already had allowed when continued to let me overcharge unaware they should have not allowed charges above the XXXX XXXX makes it difficult to concentrate and feel having checking account with Bank of America monthly XXXX XXXX deposit they prey on people with XXXX and maybe I wont follow up. How many other people with XXXX are they targeting and why do this to those of us trying to live on such a limited fixed income Reported to credit bureaus over card limit black mark on me and raise interest so high only to ignore my calls when the sent letter request contact them direct hoped I being XXXX would not try to advocate for my being treated this way

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 2024-07-27 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: VA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an email offer from experian XXXX weeks ago for a free credit report, and when I signed into my experian online account to make the request for the free credit report I was asked to provide to a card to keep on file. I used a debit card and on XX/XX/2024, there was an authorized charge of {$27.00} from experian. I called experian to dispute the charge and request a refund and the customer service representative refused to allow me to speak to a supervisor nor assist me with having my debit card removed from the experian website, and the representative kept on speaking over me and hung up the phone on me.

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 2024-07-27 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: PA

Complaint narrative:
This evening, I noticed inaccurate accounts appearing on my credit report without any clear reason. I reviewed my report as usual, but this time, there were unexpected discrepancies. I attempted to refresh my browser to see if it was just a glitch, but that did not fix the issue. The incorrect accounts remained after the refresh. Therefore, I request a thorough review of the documents Ive submitted to ensure I dont have to worry about this again.

Company response to consumer: Closed with explanation