vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Within the last week i have been receiving correspondence from Experian concerning my disputes i filed in the month of XXXX from the XXXX to XXXX XXXX, the responses have not satisfied the investigation by data furnishers requirements of section 623 of the FCRA. 
Instead you have been insisting in several communications that i the consumer must provide documentation to support my disputes which is not what the law mandates. The duty to investigate and verify information in a credit report via written evidence lies with the Credit reporting agency and the data furnishers. Experian you communicated to me that you verified XXXX ( XXXX ) of my credit file accounts using information from your own in house database this is not not legal and not in compliance with the mandates of section 623 of FCRA.

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 2025-01-03 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I spoke with a lady at titlemax at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, over the phone ( XXXX XXXX ) she told me to come in they dnt check credit. When I arrive another lady ( XXXX XXXX ) greeted me and began to collect my information ( still hasnt notified me she checking my credit ) after collecting all my information she stared at her computer for a few moments then printed out a paper that clearly stated my credit was checked. Then began to speak to me as if Im dumb, they dnt tell us why you are denied they just tell us youre denied and gave me the paper. I was clearly denied because of low credit score, I would of never came in if the First Lady wouldnt of lied to me telling me they do not check credit, now I have to have that inquiry on my credit report for 30 days, its not right and not fair. Then when I call back to confront the situation the XXXX lady tried to still say they dnt run credit, then once she realized im not dumb she then tell me we run credit to verify your identity this was a terrible experience they are lying to ppl to get the in the office, again a waste of time because if they was checking credit would of never went to titlemax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Dear, Radius Global Solutions I am writing to formally dispute the accuracy and validity of the information reported regarding my account referenced above. Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 1681s-2, I request your immediate attention to this matter and demand an investigation into the inaccuracies or violations present. 

Specifically, I dispute the following : XXXX. XXXX - XXXX # : XXXX Under 15 U.S.C. 6801, financial institutions are obligated to protect consumer information and ensure its accuracy. Furthermore, under the FCRA, furnishers of information must ensure that all information they report to consumer reporting agencies is complete, accurate, and verifiable.

My Requests : Validation of the Debt : Provide documentation proving the accuracy of the reported information, including but not limited to : Original account statements. 
Details of how the charge-off was calculated. 
Records of payments and communications. 
Correction or Removal of Inaccurate Information : If you can not validate the debt or correct inaccuracies, I demand that this information be deleted from my credit reports as required under the FCRA. 

Written Response : Confirm in writing the results of your investigation, including any corrections made to my account or credit report.

Failure to address this matter promptly may constitute a violation of federal law, and I reserve the right to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or initiating legal proceedings. 

I expect a response to this notice within the required time frame of 30 days, as mandated by the FCRA.

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 2025-01-03 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be removed/updated.

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 2025-01-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I went on my credit report found this on there and me as a authorize user which I never applied or had this card this is fraud please remove.

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 2025-01-03 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:
To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party.

Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report.

ACCOUNTS ACCOUNT XXXX XXXX XXXX XXXX  Reporting violations 30-, 60- day lates in XXXXXXXX XXXX XXXXXXXX ; 30- day late in XXXXXXXX XXXX XXXX ; 30- to120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Reporting violations 30- day lates in XXXX and XXXXXXXX XXXX XXXX ; 30- to 120- day lates in XXXX of XXXX XXXX XXXX XXXX Reporting violations 30- day late in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting violations 30- , 60-, 90- day lates in XXXX XXXX XXXXXXXX XXXX XXXX  Reporting violations 30-, 60- day late in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting violations 30- day late in XX/XX/XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian is in clear violation of 15 USC 1681. This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership.

Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.

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 2025-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this 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 2025-01-03 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Froze/Restricted my account ; no access to my money that I have in the bank. 
On XX/XX/XXXX, my XXXX XXXX sent me gratuity for the XXXX XXXX, via XXXX. 
XXXX is linked to my SoFi Checking Account. 
The next day, XX/XX/XXXX, I noticed the payment had failed. 
Because of who this client is, I did not have direct contact, and since I knew I would see her at the next game, I didn't want to go thru the trouble of trying to reach her. 
On XX/XX/XXXX, I logged into my SoFi account, and there was a red notification at the top saying the account is restricted, and to contact them asap. 
I've been making regular calls to check status, and each Representative tells me the Escalation team is working on it, and the restriction can not be lifted until they get the contact information for the sender. There is no way for me to get that number because the person is a celebrity, and does not give out personal information. 
Upon calling their assistant to " try to get their number '', she was not allowed, but said she could provide the last 4 digits if they needed to confirm. 
That was not adequate per XXXX. 
So, I asked to at least have access to what funds I did have in my account, and every Representative said the same thing ; they could not lift restrictions until they contacted the sender, even after telling them I can not obtain that information. They say their XXXX XXXX is working to resolve, but resolution entails getting that contact info, even though the payment has since been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2025-01-03 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: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code
1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: IA

Complaint narrative:
Netspend financial. On Monday XX/XX/year> a charge hit me account for XXXX dollars. The merchant name and address are all fake. The state initials were XXXX. That should have told them its fraud. They closed my account and ordered me a new card. On Wednesday the first another charge tried to post from that same merchant and amount. I called them Wednesday night they said a charge cant hit a blocked account. The next morning it posted. Now they wont refund it back to me for up to 90 days. This is REDICULOUS. I have rent and car payments. Insurance and phone. All my bills hit at the first of the month. No one will call me. I need help

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 2025-01-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
My daughter, who is a minor has received Google Play cards as gifts. She kept them for years since they don't expire. She tried to add them to her account in XXXX of XXXX  and they were denied by Google. They instructed her to send copies of the cards and the receipts. She didn't have receipts because they were gifts and she was never given a receipt with them. She still sent them pictures of the cards but they denied giving her the credit since she could not provide receipts. Google has no live Customer Service number that is active. The number XXXX or XXXX never are open.You can call there anytime any day and they will tell you they are closed. If you spend a few minutes on the internet you will see that many people can't get their Google Play cards to work and can't get any credit- even when showing receipts. If they never expire we should be able to give them the numbers and be able to use them, regardless of not having a receipt. If there is a lot of fraud with Google Play card ( ie people stealing the numbers etc or selling numbers ) - that's not the consumer 's fault. Google should have a way to track the cards and deal with the fraud instead of ripping off consumers. The people that bought her the gift cards lost {$150.00}. This is just a blatant theft from consumers. Not to mention that Google 's customer service line is basically fake- and ALWAYS says they are closed. I would not recommend using Google Play cards.

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 2025-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively. affecting my financial standing

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 2025-01-03 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report. Upon thorough review, I have identified that many of the reported late payments are inconsistent and inaccurate across all three major credit bureaus.

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 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I dont owe anything to that company. I think its part of the data breach that happened

Company response to consumer: Closed with explanation