vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: FL

Complaint narrative:
Last warning. 15 U.S. Code 1681n - Civil liability for willful noncompliance To Whom it may concern..

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

XXXX states that it is making a new update request to correct inaccurate information previously requested by me on XX/XX/XXXX. I have official, visual evidence showing that I have made previous disputes on XX/XX/XXXX, requesting that the erroneous information be disputed and updated, ( I provide evidence ), to which XXXX updated and responded that the disputed information was accurate and correct, XXXX stated that this account did not contain any errors or inaccurate information. which is totally false and illegal. 
I also filed another dispute with proof included on XX/XX/XXXX, which again updated unverified and erroneous information, once again violating consumer rights laws FCRA. 

Company : XXXX XXXX XXXX Account number : XXXX Under 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX several times about the accuracy of these accounts and XXXX has lied saying that they have corrected them and that there is no inaccuracy in their reports to Experian, ,,15 U.S. Code 1681i ( 5 ) states that after reinvestigating a disputed account by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be deleted immediately. 

This is also in violation of 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose 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 ( 1 ) ( 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} ; I will not tolerate any further failure or non-compliance by XXXX with the Fair Credit Act and this is my last warning to XXXX to DELETE the account with Experian. I am willing to file a lawsuit for non-compliance by XXXX with the laws mentioned in this dispute. 

I demand that my written evidence in this dispute be reviewed and that XXXX delete the account at Experian and enforce 15 U.S. Code 1681i ( 5 ) Att : 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I the company Experian have not reported my three accounts with the company XXXX  for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. I have requested to Experian to correct problem and they have not tried to fix and I was told it was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for a BestBuy credit card in the XXXX XXXX XXXX  store to receive 18 months interest free financing on a laptop computer on XXXX XXXX. I was told by the store employee that I would have to put down my fiscal address on the credit card application, but I had 5 days to change my mailing address to a Post Office box to receive my mailed statement each month, I was also told that I could set up an online account to pay at my convenance. I called into Citi / BestBuy credit card phone number to change my address. I was told that my card and billing statements would go to my post office box form this point on. I have yet to receive a statement for my first payment, I attempted to set up a online account to pay my monthly bill, but for almost a month the website only gave me error messages that the information that I entered from my card was incorrect. I called in on the number listed on the credit card to get help and guidance to get my online account set up. I was not helped by anyone at Citi XXXX BestBuy to resolve the issue. My payment was coming due on the XXXX XX/XX/year>, and I wasn't provided any technical support to resolve the issues I was having setting up my online account. On XXXX XX/XX/year> I escalated the issue to a manager named XXXX. I explained to XXXX that I had no way to pay my bill online or thru the mail due to website issues setting up my online account, or by mail as I hadn't received a statement, XXXX said there was a technical issue with their website, and that, I should try later. I cancelled my account and ask to pay off my account in full using another credit card. I was told they don't allow payments to be made with a competitor 's credit card, I was told that they would only accept a check by mail, or a payment by phone from my bank account. I was also told that I could keep the original terms of the agreement and still get the 18 months interest free payment plan after cancelling my account. I now have been informed that I won't be allowed to set up an online account after cancelling my card, and that I'll have to either pay by mail, or drive to the local store and pay in person. I think that Citi/BestBuy are setting policy to make it difficult to pay your payments so they can charge late fees, and practice predatory lending. I was forced to make a payment by phone at the last moment to avoid late fees and negative credit reporting. i filed a complaint with XXXX about their predatory lending practices. and I received an email with a Citi XXXX XXXX XXXX XXXX that they would look into my complaint. I have not received a response so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take 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 2024-08-15 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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:
my account XXXX with global lending services was back in XXXX the car was totaled out in a car wreck and my insurance company national general paid the car loan off in full. i was told that the payment was sent to XXXX XXXX XXXX but somehow it resulted in a late payment derogatory being placed on my consumer report. i was not notified about a payment that was due i was told that the car was paid on time. on my consumer report it says that i have a late payment for XXXX but i have a signed check from my insurance company showing that the payment was sent in XXXX and my gap was covered shortly after also i have a written letter from XXXX XXXX XXXX stating that i am in good standing with them. i would like the removal of this late payment and this account immediately for i did not authorize or ask for any of this to be reported on my consumer 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 2024-08-14 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
{$840.00} charged XXXX to Apple Credit Card from Goldman Sachs I first disputed on the XXXX ( XX/XX/XXXX ) because the banner showed up on the XXXX but charge was made on XXXX. Apple Card removed charge while dispute in progress. Then denied the dispute and charge was placed back on card. 

I continued to dispute the charge ( for which I had no knowledge ) very 2 months since XXXX until last month XX/XX/XXXX, at which time I was told there were no other options for dispute or resolution. In XXXX I requested proof of the alleged purchase and was told it was an " apple store purchase '' and documentation would be mailed to me. It was not mailed or emailed to me, which was confirmed on a call I had with the credit card company last week on XX/XX/XXXX. During one of the many ( every other month ) disputes I spoke with a Goldman Sachs representative who conferenced in an Apple XXXX employee who confirmed no purchase for {$840.00} was made in XXXX of XXXX. 

I did not make the alleged purchase for which my card was charged {$840.00}. And Apple Card and Goldman Sachs has not been able show proof of such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: MO

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 use 1681.

consumer collection XXXX XXXX XXXX XXXX  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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NJ

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: PA

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: MD

Complaint narrative:
Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit reports from XXXX, XXXX, and TransUnion. 

The following seven companies have accessed my credit reports without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Furthermore, I requested that XXXX, XXXX, and TransUnion remove these inquiries from my credit reports. However, they refused, instructing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are adversely affecting my credit score and have significantly hindered my ability to secure a mortgage loan. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, XXXX, and TransUnion to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter would be greatly appreciated, as it is crucial for my financial well-being. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: SC

Complaint narrative:
I am writing to express my serious concerns about the handling of my personal financial information, particularly regarding XXXX accounts and unauthorized inquiries. As a federally protected consumer, I believe that my privacy rights have been violated, and I'm requesting immediate corrective action. 

I want to make it clear that I have not given permission for my personal financial information to be shared or reported, especially concerning any XXXX accounts. If any consent was given in the past, I am now formally revoking it. I believe that your company has failed to inform me of my right to keep my information private, which is a violation of my consumer rights. 

I've found several inaccuracies in my credit report, including mismatched dates and incorrect amounts on various accounts. This suggests that proper procedures are not being followed to ensure the accuracy of the information being reported about me. 

I'm particularly concerned about the following issues : 1. Affirm accounts are being reported without my consent. 
2. Unauthorized inquiries appear on my credit report.

3. My transaction history is being shared without my authorization.

In this context, I'd like to highlight the case of XXXX XXXX XXXX XXXX Federal Trade Commission ( XXXX XXXX XXXX, 2002 ). In this case, the U.S. Court of Appeals for the D.C. Circuit upheld the Federal Trade Commission 's interpretation of the Fair Credit Reporting Act ( FCRA ), emphasizing that credit reporting agencies have strict limitations on how they can use and share consumer information. This ruling reinforces the importance of consumer privacy in credit reporting and supports my position that my personal financial information should not be shared or used without my explicit consent. 

Based on these issues, I am formally requesting that the following actions be taken within 30 days : 1. Block and remove all XXXX accounts from my credit report. 
2. Delete all unauthorized inquiries, particularly those over 30 days old and not related to accounts I currently hold.

3. Correct all inaccuracies in my report, especially regarding account balances, dates, and payment histories.

4. Cease sharing any of my personal financial information without my explicit written consent. 
5. Provide me with a free copy of my credit report showing these corrections. 

I want to emphasize that this request is not made in error, nor is it based on any misrepresentation. I am exercising my rights as a consumer to protect my privacy and ensure the accuracy of information being reported about me. 

I expect these issues to be addressed promptly and in accordance with all relevant consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was notified that my personal information was hacked and potentially could be a target for identity fraud. It was recommended that I put a freeze on my credit files to prevent any fraud or theft using my identity. I was able to do this successfully with XXXX and XXXX. In the period of two days I attempted to accomplish this freeze online with TransUnion without success. Their 'self help ' guide was recommended via on online chat without success. Additionally, I followed their guide for creating a new account, changing password, receiving and inputting 'temporary authorization code ' after multiple attempts I began an online chat with a live agent. The agent suggested I try the guides that I already had attempted without success. The agent chat lasted for 33 minutes without any suggestions other than those identified in their self help. After 33 minutes I was advised they were transferring me to another agent. I agreed if the agent could reset the password so that I could complete the login to put the freeze in place. I was told " sure '' and then transferred. The system message indicated it would be 14 minutes before I would be able to chat with the new agent. At this point I indicated I would file a complaint. It should be noted during the live chat the connection was dropped twice requiring another attempted logon sequence involving keying three screens with personal information. I am attempting to complete a freeze on my credit lines to ensure I don't become an identity theft victin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Balance {$1600.00} I am writing to request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the debt and requesting that you provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any agreement or contract I signed that shows I am legally obligated to pay this debt.

4. Verification that your company is legally authorized to collect this debt in my state. 
Please be advised that this is not a refusal to pay, but a request for validation and verification of the debt. Furthermore, I request that all future communication regarding this debt be made in writing. 
Until I receive this information, please cease any collection activities, including reporting this debt to any credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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 am writing to disputed account on my credit report that were made withut my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation