vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
Noticed there were several hard inquiries on my report I did not recognize.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I have been trying to use my debit card over the last week. Every time, I try to make a purchase, Huntington flags the purchase, no matter what it is, as fraud, which results in my card being declined. Initial attempts at customer service were unsuccessful. They unlock the card, but then as soon as I make a purchase attempt, it is declined again. This has resulted in me having to spend a ton of my time on trying to get this resolved. Frequently the customer service number says Due to high call volumes, were not able to assist you right now. Please try again later. Huntington has a responsibility to provide me access to my funds. I want to be reimbursed for the hours of my time Ive had to burn trying to get access to MY money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I have a XXXX XXXX Credit Card thru Citibank. When I logged into my account to pay my XXXX statement, I noticed charges for {$1000.00} and {$560.00} that I did not recognize. I contacted citibank customer service and disputed these charges. I also asked for them not to send me a new card as this was the second time I had issues with unrecognized charges. Halfway thru XXXX I got an email about having a balance on a new XXXX XXXX XXXX. I hadn't even received or activated a new card yet. I checked my account an noticed XXXX charges for {$660.00} and {$110.00}. I called and disputed these charges and again asked them not to send me a new card. Today, XX/XX/2024, I received a letter to my account stating that my dispute was declined, and they have also issued me a new card again.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account for no reason with no warning at all. That's because they don't have a reason and won't tell me why. This happened on XX/XX/2024. The only money I have right now is in my Checking & Savings accounts. They said when they get around to it, they'll mail the money to my home address. All of my credit cards, loans and even my mortgage is enrolled in auto bill pay. So the payments will all be late and I'll get fined for that, not to mention what it will do to my credit rating. Besides that, I don't have any money so can't even pay them outside the bank on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2024, I went to the bank and asked them to send a wire to XXXX for me. I have sent wires to this person before and there wasn't a problem.The person at the bank went into his spiel about scams which the whole world is aware of, but banks take it to the extreme. They should give you the facts and ask a few questions and then if you still say you're comfortable sending the wire, they should do what you ask. After all, it is my money and I should be able to use it any way I want. This really is NOT their decision to make. So I went home and sent it myself through online banking. 
Then, to add insult to injury, they sent the police to my home. I guess they thought I was crazy because I wanted to send a wire. Why do they even offer it if you can't use it? I am XXXX  years of age and I can't help but think this is elderly discrimination. I think they have violated several of U.S. citizens ' rights and they should have to pay the consequences.

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 2024-04-05 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: CA

Complaint narrative:
I noticed there were several hard inquiries on my report I did not authorize.

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 2024-04-05 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: CO

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXXXXXX 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 2024-04-05 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: CO

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 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 explanation
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX ( XXXX ) Account # XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be XXXX XXXX  accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts that have been reported on my credit report. Upon reviewing a recent copy of my credit report, I discovered accounts that are not familiar to me and appear to be the result of identity theft or fraudulent activity. These incorrect accounts are negatively impacting my ability to obtain credit and are tarnishing my credit history

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 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TX

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-05 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:
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 Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX  : Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-04-05 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: SC

Complaint narrative:
I am invoking my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), specifically referencing section 602 ( a ), which emphasizes the need for consumer reporting agencies to handle responsibilities with fairness, impartiality, and respect for consumer privacy. As such, agencies like Equifax and XXXX must adhere to these principles. 

Delete these accounts immediately XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also any inquiries not connected to open account Further, per 15 USC 6801, financial institutions have an explicit duty to respect customer privacy and safeguard their nonpublic personal information. This act defines any entity furnishing information to credit agencies as a financial institution, thus including ( Furnisher of Information to Credit Agencies ) under this definition. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only share consumer reports with explicit written consent from the consumer, which neither Equifax, XXXX, nor ( Furnisher of Information to Credit Agencies ) have obtained from me. Therefore, I am formally revoking any form of consent previously granted, whether explicitly or implicitly. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose personal information without informing the consumer of their right to opt out, which ( Furnisher of Information to Credit Agencies ) failed to do. Additionally, 15 USC 1681C ( a ) ( 5 ) restricts reporting adverse items without permission, and 15 USC 1681s-2 ( A ) ( 1 ) and 15 USC 1681e demand accuracy and reasonable procedures from reporting agencies, which have been disregarded in my case.

Lastly, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services entirely. I expect Equifax, XXXX, and ( Furnisher of Information to Credit Agencies ) to comply with these statutory requirements and cease all reporting and sharing of my personal information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$540.00}

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