vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: WA

Complaint narrative:
I, have submitted multiple requests to opt out of information sharing with XXXX XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX XXXX : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX XXXX  has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX XXXX  does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX XXXX  did not inform me of this right.

Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting XXXX XXXX XXXX to honor my rights and process my opt-out request as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: WA

Complaint narrative:
I, have submitted multiple requests to opt out of information sharing with XXXXXXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXXXXXX XXXX : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXXXXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COMENITY BANK does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX to honor my rights and process my opt-out request as mandated by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: KY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX ] XXXX XXXX XXXX, NUMBER XXXX [ Account XXXX ] XXXX XXXX, NUMBER : XXXX [ Account XXXX ] XXXX XXXX, NUMBER : XXXX [ Account XXXX ] XXXX XXXX, NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.

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 2024-08-03 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: FL

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 explanation
Consumer complaint received 2024-08-03 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: GA

Complaint narrative:
I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX XXXX  XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Bank Of Amedrica is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.

Wrong Balance, two different reporting dates, Two different last date active. Balance paid off.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX NSS. XXXX SECURITY FREEZE

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 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
Automotive Credit Corp based in XXXX michigan. The finance company is very rude and conduct fraudulent and abrasive and threatening tactics and are unwilling to refinance people to help them keep them in the vehicle. They put customers under duress and undue stigma. They over inflate the monthly payments and actual value of the vehicle. They knowingly do this and expect to repossess 90 % of their customers. They do this to purposefully mess up people 's credit profiles.

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 2024-08-03 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
My Citibank credit card ( Custom Cash ) was charged for XXXX XXXX transactions ( total amount is around {$580.00} ) within a minute which was unknown and unauthorized on XX/XX/year>. I contacted the fraud department of Citi and disputed the transaction instantly, requested a new card number as well. After a month later ( as of today XX/XX/XXXX ), this XXXX fraud, unauthorized transactions were still charged on my account and Citi is asking the innocent card hold to pay the bill which doesn't belongs to them.

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 2024-08-03 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:
I am writing to formally report a serious issue involving unauthorized hard inquiries on my credit reports with TransUnion and XXXX. These inquiries were made without my consent and constitute violations of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These actions violate the following laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( c ) : This section specifies permissible purposes for consumer reports. The unauthorized inquiries were made without my explicit consent, violating this provision.

15 U.S.C. 1681m : This section outlines requirements for users of consumer reports, including providing notice of adverse actions and maintaining accurate records. The unauthorized inquiries reflect non-compliance with these requirements.

2. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes the use of another persons identity with the intent to commit any unlawful activity. The unauthorized inquiries constitute fraudulent use of my identity. 

As a victim of identity theft, I am deeply concerned about the potential damage to my credit score and financial standing. I demand that TransUnion and XXXX take immediate action to delete these unauthorized inquiries from my credit reports. Additionally, I request that both credit reporting agencies implement measures to prevent future unauthorized activity on my accounts. 

Please investigate this matter urgently and provide confirmation of the removal of these inquiries. I also seek guidance on further steps I should take to protect my identity and ensure the accuracy and security of my credit information. 

Thank you for your prompt attention to this critical 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
Consumer complaint received 2024-08-03 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: Block, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom this may Concern, I hope this letter finds you well. We are writing to you on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking in Persons ( see attached Confirmation of Authorization ), I am writing to inform you that the XXXX XXXX  has verified and determined XXXX XXXX is a victim of a severe form of trafficking in persons under 22 U.S.C. {$7100.00} ( 11 ) or sex trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX is a dedicated organization committed to advocating for the rights and welfare of individuals who have been affected by human trafficking, debt bondage. We have come across a pressing case that we believe warrants your attention and expertise. 
As part of our mission, we have been working closely with individuals who have faced the harrowing experience of human trafficking of debt bondage, a grave violation of human rights and a form of modern-day slavery. Our goal is to provide support and advocacy for victims, as well as to raise awareness about the issue and collaborate with relevant stakeholders to eradicate this abhorrent practice. 
In the course of our work, we have encountered a situation where an individual 's credit report reflects an outstanding debt that we strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation. We request you to help by blocking and deleting any account that is attached to XXXX XXXX credit profile negatively. 
Thank you for considering our request for assistance. We look forward to the opportunity to work collaboratively on this important issue. Please contact me anytime. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX XXXX. XXXX SECURITY FREEZE

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX05A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX XXXX. XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
My Pay feature, shows I owe {$42.00}. I do not owe a balance. It states I did not have any qualifying deposits since XXXX XXXX, which is not true.I 've had a deposit on XX/XX/XXXX, and another on XX/XX/XXXX from my XXXX XXXX payments. My statement shows I have a {$0.00} balance, and shows I did have not any qualifying deposits, but im told I have a credit limit of {$120.00} available. But I'm not able to access this because they keep saying I owe a {$42.00} balance. None of this makes sense and it's been XXXX  months I've been calling to have it resolved. Nothing is being done.

Company response to consumer: Closed with explanation