vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT 1974 ) ( 15usc552a ). A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( 15usc1681 ( c ) ( 3 ) ) ( FCRA ). A non-affiliate third-party that receives from a financial institution non-public person information shall not directly or through an affiliate of such receiving third-party disclose such information to any other person that is a non-affiliate, third-party of both the financial institution and such receiving third-party, unless such disclosure will be lawful, if made directly to such other person by the financial institution ( 15usc6802 ( c ) ) ( FCRA ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, on knowingly without a permissible purpose, shall be liable to the consumer reporting agency for actual damages, sustained by the consumer reporting agency or {$1000.00} ( 15usc1681 ( n ) ( b ) ) ( FCRA ). 

Number of Inquiries : 27 Please remove all soft and hard inquiries 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 2023-12-28 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:
In XXXX of 2023, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
This matter arises after reviewing my consumer credit report. I noticed that there were incorrect accounts and even some fraudulent information that's been reported on my Consumer credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. XXXX, Transunion and XXXX never gave me my rights to opt out and they never asked for my permission to furnish this information. 15 USC 1681 A2 XXXX, Transunion and XXXX falsely reported information that resulted in defamation of my character. Furthermore, they have assumed this vital role and have infringed upon my rights to privacy by selling my information to third party debt collectors. In pursuant to 15 usc 1681 ( 4 ) My privacy has been invaded and damage has been done. The damages that arose were to my financial, mental health, emotional and it also stopped me from traveling to and from work. Due to identity theft this should be removed. 15 USC 1681 Congressional findings the first the banking system is dependent upon fair and accurate credit reporting. I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting this report being furnished by you on my behalf. 15 USC 6802 Gramm-Leach-Bliley Act, XXXX, Transunion and XXXX may not disclose as a financial institution non-public personal information to to a non-affiliated third party unless such financial institution clearly and conspicuously disclose to the consumer in writing or an electronic or an electronic form or other form permitted by regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party right to opt out. your organization neither exercises responsibility with fairness and impart impartiality nor protects my right to privacy.15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. DELETE FRAUDULENT INQUIRES BY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK 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 2023-12-28 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: FL

Complaint narrative:
This matter arises after reviewing my consumer credit report. I noticed that there were incorrect accounts and even some fraudulent information that's been reported on my Consumer credit report from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. XXXX, XXXX and Equifax never gave me my rights to opt out and they never asked for my permission to furnish this information. 15 USC 1681 A2 XXXX, XXXX and Equifax falsely reported information that resulted in defamation of my character. Furthermore, they have assumed this vital role and have infringed upon my rights to privacy by selling my information to third party debt collectors. In pursuant to 15 usc 1681 ( 4 ) My privacy has been invaded and damage has been done. The damages that arose were to my financial, mental health, emotional and it also stopped me from traveling to and from work. Due to identity theft this should be removed. 15 USC 1681 Congressional findings the first the banking system is dependent upon fair and accurate credit reporting. I hereby put your organization on notice and would like to inform you that I never gave consent to this reporting this report being furnished by you on my behalf. 15 USC 6802 Gramm-Leach-Bliley Act, XXXX, XXXX and Equifax may not disclose as a financial institution non-public personal information to to a non-affiliated third party unless such financial institution clearly and conspicuously disclose to the consumer in writing or an electronic or an electronic form or other form permitted by regulations prescribed under Section 6804 of this title that such information may be disclosed to such third party right to opt out. your organization neither exercises responsibility with fairness and impart impartiality nor protects my right to privacy.15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. DELETE FRAUDULENT INQUIRES BY XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I was a tenant at XXXX XXXX XXXX and disputed the summary closing move out account. 
So when I receive the collection debt from National Credit System I wrote a letter requesting to provide me with the verification of the debt. 
Not to report the debt to the credit bureau until the matter is resolved. 
I receive the collection letter on XXXX XXXX disputed by certified on XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXX National Credit System continue to call me twice after I ask to cease all call that I was disputing the debt they did not respond to letter, this occurred in early XXXX and XXXX XXXX I actually called back and asked for a supervisor because I was hung up on. 
Nothing was resolved. 
Ultimately I disputed the debt on my credit report. 
I receive a letter from the law office of XXXX, XXXX, XXXX And XXXX stating that they were hired to collect XXXX. I disputed that. On XXXX XXXX The law office wrote back noting my dispute stating that that the firm was not collecting the {$990.00} of the lease termination fee and it was removed from the balance. ( therefore is the reason for the dispute among other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: VA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: Block, Inc.
State: CT

Complaint narrative:
I disputed a purchase with Cashapp on XX/XX/2023 and on XX/XX/2023 XXXX the merchant refunded the money to the cashapp XXXX 27 days later Cashapp just gives the same speech that it takes up to 45 days even though the merchant already closed the dispute in XXXX XXXX favor. The confirmation number from XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account was flagged for Fraud however, no one from Citi ever reached out to me to let me know that my account is now frozen. 

Approx Week of XX/XX/23- Opened the account online. 

Week of XX/XX/23 - Account was flagged on my phone & online that it had an issue and to call XXXX. I called several times over the week to find out what was going on and could not get an answer. 

XX/XX/23 - Called customer service and finally get some information. They told me that a letter was sent on XX/XX/23 that I would need to open and action once received. 

XX/XX/23 - Received letter from Citi, called XXXX XXXX and gave them the noted reference number from the letter. Customer Service said my account is being closed and will receive the balance on my account in XXXX days via mail. Then I was hung up on and given no additional information.

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX, Credit Karma XXXX advertising for a XXXX XXXX XXXX It said " Your Chances for approval is Excellent ''. So I proceeded to apply via Credit Karmas directed link. Within a week is when I received a denial letter from XXXX. 

Then again on XX/XX/XXXX Credit Karma XXXX advertising for a XXXX XXXX Credit Card. It said " Your Chances for approval is Excellent ''. So I proceeded to apply via XXXX XXXX directed link. Within a week is when I received a denial letter from XXXX. 

I feel that Credit Karma 's marketing practices have been manipulative and deceiving in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

Thank you for your prompt attention to this request..

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 2023-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I have submitted no less than six complaints regarding MOHELA demanding payment in my loans that are subject to discharge under thXXXX XXXX XXXX XXXXXXXX lawsuit settlement. MOHELA was notified of the same in XX/XX/ XXXX however they have failed to process the discharge and have erroneously placed my account in repayment. As a full-class member, my account should not be in repayment status. I have repeatedly requested for my loans to be placed back on administrative forbearance, but MOHELA has refused to update my payment status. The Department of education has confirmed that my account should be in forbearance status I have provided MOHELA confirmation of the same they have ignored those correspondences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I found an American Express on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am writing to dispute and request an investigation into the inaccurate information reported by Affirm on my credit reports. The account in question is currently in collections, and the reported information is not reflective of the accurate status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief