vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: NM

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report and to bring to your attention the violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Despite submitting disputes to the three major credit bureaus ( Equifax, XXXX, and XXXX ) on XX/XX/XXXX, I have not received any responses. My name is incorrect and I believe someone may have tried to open accounts in my name. I have never went by the last name XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have reported inaccurate information, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which states that 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 : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX These inaccurate accounts have significantly impacted my credit report, and I have not been afforded the resolution required by law. The lack of response from the credit bureaus further aggravates this violation.

I am requesting the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that these inaccuracies are corrected or removed from my credit report in compliance with the Fair Credit Reporting Act.

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
I was fired in XX/XX/year> with XXXX XXXX district due to car troubles as a XXXX. Additionally, I was hired by the XXXX XXXX XXXX, KS to work as a XXXX XXXX ; however, it did not materialize because my XXXX broke down. I made an agreement with XXXX XXXX of paying {$150.00} based upon receiving payroll from this job for the summer. I made her fully aware that this was only a summer job and that this was contingent based upon me working summer employment. 

XX/XX/year> I called XXXX XXXX with Loanmax and I requested an extension for more time to begin payment for the loan in XX/XX/year> because I start a new teaching job. I informed XXXX XXXX that the job did not materialize because the XXXX broke down and I didn't have transportation to travel to the summer job that I expected to work. XXXX XXXX, XXXX told me she can not make any changes to the new long agreement. She suggested that I voluntarily surrender the XXXX and I asked her..Why would I do that when I will have money to pay my loan off when I start my new job in XXXX. I don't agree with her asking me to surrender my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: CT

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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:
I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per XXXX XXXX XXXX, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — Store credit 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: IA

Complaint narrative:
On XX/XX/year>, I went to Best Buy to purchase a dishwasher and was told by the salesperson that I could open a CitiBank credit card and save some money, so I did. After talking to my daughter, the next day XX/XX/XXXX, I decided to cancel the order and so I called Best Buy and was told the order and the credit application was cancelled. 
In May, I received a bill from Citibank to {$59.00} annual fee. I called Citibank and was told the application was cancelled and they would removed the fee. 
Then, last Thursday, XX/XX/XXXX, I received another bill from Citibank for {$59.00} fee and {$30.00} late fee! 
I called Citibank today, with the help of my adult daughter, explained what we were told and after XXXX minutes and XXXX transfers we were transferred to a manager that told us we would have to call Best Buy to clear this up. 
I called the manager at Best Buy who said I would need to reach out to Citibank yet again as the charges are from Citibank.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In XXXX, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In 2023, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.

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 2024-06-19 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: IL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

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 2024-06-19 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: IL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

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 2024-06-19 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: CT

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-19 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: MI

Complaint narrative:
Please eliminate these inquiries. I don't know anything about this, and the company did it without asking 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : American Express Account # ending # XXXX American Express has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-06-19 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: Radius Global Solutions LLC
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. -According to the Fair Credit Reporting Act ( FCRA ) section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

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 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Went to access my online profile and found out my account had been blocked for no apparent reason. they told me to call them which I did and they just told me my account would remain blocked for no apparent reason. Fast forward a month to today XX/XX/year> and my account is still blocked with their still being no reason given for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX has reported to XXXX that they've closed a credit line with your account. 

Source : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by XXXX XXXX Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXXXX XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}

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 non-monetary relief