vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, 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.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX  and Federal Trade Commission ).

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no 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 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. The inquiry in question is dated XX/XX/year> and was made by CAPITAL ONE VIA DEALER. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit report can only be pulled for specific permissible purposes, such as with my consent or for certain credit-related transactions. I did not authorize or provide consent for this credit inquiry to be made. Therefore, this inquiry is in violation of my rights under the FCRA.

1. Unauthorized Inquiry and Request for Removal The unauthorized inquiry in question must be removed from my credit report immediately. Under 15 U.S.C. 1681b, it is a violation for a credit report to be accessed without the consumer 's consent for an impermissible purpose. I request that you investigate this matter and remove the unauthorized inquiry from my report in accordance with the law.

2. Damages and Penalties In addition to the removal of the unauthorized inquiry, I am requesting {$1000.00} in damages under the provisions of the FCRA. Specifically, 15 U.S.C. 1681n provides for statutory damages for willful violations of the FCRA, which includes the unauthorized access of a consumers credit report. In accordance with this provision, I am entitled to receive damages for any harm caused by this violation, including the {$1000.00} statutory damages allowed for willful noncompliance.

Further, under 15 U.S.C. 1681o, I am entitled to actual damages if it is found that the inquiry was not only unauthorized but also caused harm to my creditworthiness, and any additional penalties for reckless disregard of the FCRA.

3. Request for Written Response Please provide a written response within 30 days of receiving this letter confirming that the unauthorized inquiry has been removed from my credit report, and that the necessary action has been taken to address this violation of the FCRA. Additionally, please provide any documentation of the investigation and corrective actions taken regarding this matter. 

Should I not receive a satisfactory response or compensation within the required timeframe, I will pursue further legal actions to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/year> Asked representative in media services for my certifications held on a delayed billing statement due to bankruptcy. Have been referred to terms and conditions legal by Applecare. Need certification photographs and numbers on XXXX. She could not retrieve them in the customer service position, nor was she attentive to needed information due to restrictive policy. She could not refer me Sunday. On XXXX  Applecare does not respond in a timely manner due to over capacity of customer service requests. Due to Applecare inactivity, I ended the call. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
For at least the past year or so, Citi Card has continually decreased my credit limit on both my Citi Rewards card as well as on my Aadvantage MileUp card in an apparent act of BALANCE XXXX, which has continually caused my overall credit utilization to report far higher than it actually is. Most recently, as of a few days ago, I made a large payment of {$7000.00} on my Citi Rewards card, that at the time had a credit limit of {$7800.00} only for Citi Card to process this payment and then lower my credit limit from {$7800.00} to just {$640.00}, although my XXXX XXXX has increased greatly since I opened the account and my overall credit utilization has lowered since I opened this account. There is no reason that my account should fall victim to Citi Card balance chasing my accounts. Citi Card is the only credit card account that I have that has engaged in this type of predatory lending and it continues to hurt my overall credit profile, due to no fault of my on. I have called and spoken to several representatives with Citi Card regarding this and they all give e vague response or the run-around only to offer no increase of my credit limit nor offer any solution. Citi Card is engaging in predatory lending by balance chasing both my Aadvantage MileUp Card as well as my Citi Rewards card that I have with them and I need it to stop and be reversed.

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 2024-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I was notified synchrony bank closed my care credit card ( XXXX ). When I called, they told me it was simply due to lack of use. When I asked the agent for documentation that they sent he was not able to provide it rather what they did provide was a letter ( copy enclosed ) stating that I requested the card to be closed. 

Therefore, I would like all communications ( verbal and written ) to between Synchrony Bank and myself be shared. I specifically am requesting the letter ( XXXX ) sent to me that would have warned me the card would be closed. Id also like to know how the aforementioned letters were originally sent.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXcount Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXX Code XXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, last verified, closed date, and last payment. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, date of last activity, balance Owed, and creditor type. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: AZ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX # XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX # XXXX  XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$11000.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$670.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$180.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am filing this complaint to dispute the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. It is impossible for this account to have been verified because a CFPB complaint was sent to XXXX XXXX XXXX on XX/XX/2024, and they failed to validate this alleged account. 

The response provided by your bureau to my prior dispute was insufficient. This collection account remains inaccurate and unverified. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to validation of any alleged debt reported on my credit file. 

Despite my requests, the following critical items have not been provided by XXXX XXXX XXXX : An explanation of the alleged account balance, including a complete XXXX XXXX and payment history. Documentation showing my agreement to this debt, including my signature and authorization for you to report this information. Proof of a valid agreement authorizing XXXX XXXX XXXX to collect this debt. Evidence of their state license to operate and collect debts in my state. The original promissory note and chain of custody for this account. The purchase agreement showing how and why my information was obtained without consent. This lack of documentation raises concerns about the legitimacy of this account and the accuracy of its reporting. Additionally, XXXX XXXX XXXX appears to be in violation of XXXX XXXX XXXX XXXX, furnishing deceptive forms to create a false belief of participation in the collection of this debt, which I have not authorized.

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 2024-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I applied for a auto loan at a dealership and 5th Third Bank denied my application. They took my application and gave me no equal Consideration as they have my Social Security number which is private and personal information that gives them access. to my trust account, that is attached to the all caps name. The XXXX XXXX .... I am the agent for the principal and I am the power of attorney for The dead entity corporate fiction, which can not speak, or write, or do anything but lay on a piece of paper. I know my '' XXXX given unalienable Bill of rights ''. and the second right on that list. is the '' right to contract, or not to contract, which is unlimited ''. These banks can't deny me my unlimited credit due to the.fact that the government has profited off my birth certificate bond through my Social Security number, and has made huge profits and gaines and I have been given nothing in return but pain and suffering from the stress not being able to provide for my family and I demand relief in this transaction and I'm attaching a adverse action letter that I sent to Fifth Third Bank. And got no response. I am sick and tired of these banks committing fraud on a daily basis and getting away with it. I work hard for my money and I need to have a vehicle to provide for my family and I can't have these banks standing in my way of my XXXX given rights I have a right. to be able to have a vehicle to get back and forth to work and to provide for my family. So I demand an immediate remedy to this.. So read the adverse action letter very carefully to see all the laws that they broke. And please demand that they give me remedy. Thank you.

Company response to consumer: Closed with explanation