vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report 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, 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 with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account Number XXXX 2. Please remove this information from my credit report XXXX Account Number XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account XXXX XXXX 9. Please remove this information from my credit report XXXX Account XXXX XXXX 10. Please remove this information from my credit report XXXX XXXX  Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy discharged Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report 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, 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 with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account XXXX XXXX 2. Please remove this information from my credit report XXXX Account XXXX XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX  Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account Number XXXX 9. Please remove this information from my credit report XXXX Account Number XXXX 10. Please remove this information from my credit report XXXX XXXXXXXX Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy XXXX Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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:
I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX of XXXX / XXXX XXXX XXXX XXXX : {$76000.00} The balance reported is inconsistent with the repayment history and conflicts with other reports. This is a violation of both FCRA 1681e and FCRA 1681i. Under 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 1681i mandates that agencies investigate and correct or delete inaccurate information within 30 days when consumers dispute the accuracy. Inaccurate loan balances or repayment statuses can have significant negative effects on consumers financial opportunities. 

XXXX. Payment History My payment history should reflect 100 % on-time payments for all accounts, particularly my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any deviations from this record are inaccurate and violate FCRA 1681e, which requires that all reported information be accurate. Additionally, under 15 U.S.C. 1666b, creditors are not allowed to report late payments unless they are at least 30 days past due. Please update the payment history to reflect 100 % on-time payments, as I have never missed any payments on this account. 

Furthermore, the debt has been forgiven due to my school being listed as fraudulent and closed down. I am attaching a letter, stating the debt was forgiven.

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 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an online credit card account with Citi Bank, which I have been using for a long time. I wanted to open a checking account as I will be starting a new job, so I created an account online. My bank account was opened, but we received a letter stating that it would be closed. To clarify this issue, I went to the Citi Bank located at XXXX Warm XXXX XXXX, XXXX, CA XXXX. 

XXXX XXXX, who attended to us, did not seem willing to help at all. She stated that my bank account was blocked and that she couldnt do anything about it. We then explained to her that the block on our account had been lifted and that there was no problem and also I have a proof/letter about that, but she still refused to help. I accepted this with understanding and I don't want to create Checking account either and you can close it. This time, I told her that I couldn't log into my Citibank online account and asked for her help on this matter. She did not show any interest and pointed to a phone number, stating that I needed to call it. I explained to her that I had already called the number she gave me and others as well, but no one helped. She responded rudely, saying, 'I am the bank XXXX, but you seem to know more than I do, ' and refused to assist me any further. 

I do not want the checking account to be opened ; I have already opened a new checking account with another bank without any issues, and there was no block! However, I use Citibanks online application extensively to pay my credit card bills and track my expenses/transactions, and this convenience is very important to me. I requested that my online account be reactivated so that I can manage my credit card, and I made it clear that I did not want the checking account, yet she did not help and spoke to me in a very disturbing manner.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to update my personal information on my credit profile online and over the phone to no avail.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to update my personal information on my credit profile online and over the phone to no avail.

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 2024-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Iv'e tried to make regular scheduled payments when I had the loan but instead they wrote it off to another company and I still dont know the name. I wish to have the account closed for the new company. Please as they're holding a fraudulently placed account in there name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Inquires on my credit report I do not recognize! 
Capital one inquire date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CRESCO CAPITAL INC.
State: IL

Complaint narrative:
Inquires on my credit report I do not recognize! 
XXXX XXXX inquire date XX/XX/XXXX Cresco capital. XX/XX/XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was checking my credit report because I'm looking to buy a house and on my report and I happened to notice multiple accounts with inaccurate and fraudulent reports of auto loans personal loans resolving accounts student loans rental history credit card purchases and collections on my report I did not authorize also there are accounts that I find that don't have any permissible purposes or incorrect and improper information which are in violation of the ( FCRA ) the fair credit reporting act law and I would like them to be completely removed these accounts are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX Dept of Ed 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, Ive been trying to set up XXXX for XXXX Bank of America credit card but have been unsuccessful. The feature is unavailable in my account, and XXXX unsure why. Ive reached out to the banks support team, but the wait times are long, and I havent received a resolution, my account " access '' and app are too old without these features. 

As a result, I missed my payment due date for the past XXXX months, and Ive incurred late fees despite paying only XXXX days late. I believe this issue could have been avoided if I had access to XXXX. 

Thank you for your help.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$0.00} XXXX lead {$47.00}XXXX XXXX fin {$0.00}, XXXX Main {$0.00}, XXXX {$0.00}, XXXX lead {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$230.00}, XXXX XXXX {$250.00}

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 explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX Account : XXXX and USAA Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.

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 2024-09-28 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: VA

Complaint narrative:
XXXX Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.

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 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for XXXX Form Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the XXXX form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a XXXX form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the XXXX form related to the debt monetization using my Social Security number. 
XXXX. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights. 
Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX Unauthorized account and use XXXX  XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX XXXX I never lived here at this address

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