vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX 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 XXXXXXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX 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 XXXXl # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Bank card : chime On Thursday, XX/XX/year>2024, at XXXX 1 attempted to withdraw money from a XXXX Bank ATM XXXX identified as XXXX XXXX, using my debit card. During the transaction, the ATM failed to dispense the cash, and I did not receive a receipt confirming the transaction. Despite this, the amount was still deducted from my bank account. 
After realizing the issue, l immediately contacted my bank to report the problem and initiate a dispute. However, my bank informed me that they could not proceed with the dispute unless I provided a receipt from the ATM. Since the ATM did not provide a receipt, I am unable to fulfill this requirement. 
I have also reached out to XXXX Bank, the owner of the ATM, but they have directed me back to my own bank, leaving me in a difficult situation with no resolution in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX Cred Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX GOODLEAP Reported : XX/XX/XXXX + {$34000.00} Needs Attention GOODLEAP LLC Inquiry : XXXX XXXX, XXXX GOODLEAP LLC Reported : XX/XX/XXXX + {$100000.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: VA

Complaint narrative:
In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX XXXX  bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number 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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied online for a new XXXX XXXX XXXX account with promo code XXXX. The terms of this offer are attached. I am also attaching the emails from Truist confirming the application submission and approval. Application Date - XX/XX/2024. Application ID - XXXX. Application Approval Date - XX/XX/2024. I met all the conditions of this offer but have not received the {$400.00} new account bonus I was promised. I had to visit a branch to sign some documents and call customer service before I was able to log in to my online account. But I did apply online making sure the promo code is attached and fulfilled all the terms of the promo code.

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 2024-09-01 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital System has harassed me repeatedly over and over again. They threatened that if I didnt pay something that during the said time I was in fact XXXX XXXX XXXX XXXXl, said they would going to sue me, they would mess up my life with my credit, and they would send me XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2024-09-01 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX XXXX Reported : XX/XX/XXXX + {$34000.00} Needs Attention XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100000.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
When I received my latest credit card bill from Barclays ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called Barclays and was told to contact XXXX.I attempted to get a credit report online from XXXX but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps Barclay wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.

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 2024-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: FL

Complaint narrative:
There is information that I have repeatedly said that is not mine. It belongs to another family member and the company do not remove it. They continue to confuse the information and it shows negatively on my 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 2024-09-01 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:
There is information that I have repeatedly said that is not mine. It belongs to another family member and the company do not remove it. They continue to confuse the information and it shows negatively on my 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 2024-09-01 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:
There is information that I have repeatedly said that is not mine. It belongs to another family member and the company do not remove it. They continue to confuse the information and it shows negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Unauthorized Hard Inquiries on Credit Report Dear CFPB, I am writing to bring to your attention an issue I have identified on my credit report. Upon recent review, I have noticed several hard inquiries that I did not authorize, all of which occurred on the same dayXXXX XXXX, XXXX. Specifically, these inquiries include AMERICREDIT, XXXX XXXX, and XXXX XXXX XXXX. Additionally, I have observed a hard inquiry from XXXX XXXX dated XX/XX/XXXX, which I did not initiate and appears to be fraudulent.

I also wish to highlight a concerning practice by XXXX XXXX. When I applied for a credit card through them, they conducted a hard inquiry, which was reported twice on different days, even though it was for the same application. This has negatively impacted my credit score, and I am seeking clarification on how such a discrepancy could occur.

I kindly request your assistance in investigating these matters to ensure that my credit report accurately reflects only those inquiries that I have authorized. I appreciate your attention to this issue and look forward to your guidance on how to resolve these discrepancies.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: AL

Complaint narrative:
updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX 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 XXXXXXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have received a copy of my credit report, that I believe to be incorrect, unfair and it appears that the Department of Education is reporting inaccurate information under my Social Security number. I want to clarify that I have not been enrolled in school for an extended period, as I have been taking care of my ill husband, who sadly passed away on XX/XX/XXXX. This situation has greatly impacted my life and financial stability. Additionally, I have not inquired about student loans since my daughter was born on XX/XX/XXXX. She is now XXXX XXXX XXXX. Therefore, the reporting period they have, particularly the two months following my husbands passing on XX/XX/XXXX, seems both inaccurate and unjust. I kindly request that you investigate this matter and correct the information in my credit report.

The claims made against me for various amounts reported on XX/XX/XXXX, for accounts opened between XXXX and XXXX finally the last payment that was reported on XX/XX/XXXX is false/incorrect month and year. The specific amounts in question include Acct # XXXX Acct # XXXX Acct # XXXX, Acct # XXXX, Acct # XXXX, AccountXXXXXXXX, Account # XXXX, Account # XXXX, such as I owe yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
I've noticed multiple hard inquiries on my credit report that 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 2024-09-01 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.

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