vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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 with the Fair Credit Reporting act the following listed creditors listed below have 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 an account without my written instructions. 

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 2023-09-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Upon reviewing my credit report from XXXX, XXXX and XXXX I noticed two recent credit inquiries made by Chase Bank on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made without my consent or knowledge. 

I would like to clarify that I have not initiated any credit applications or transactions with Chase Bank during the time frame indicated in the inquiries. My account has been closed and i am not able to bank with chase. 

These unauthorized credit inquiries have the potential to negatively affect my credit score and overall creditworthiness, which is a matter of significant concern to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
There is an account on Santander that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
I XXXX XXXX have noticed Multiple unauthorized inquiries appearing on my credit report I have attached an FTC report and supporting documents. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent true accord a letter asking them to validate the Debt they were alleging that I owed. On XXXX it was said that true accord received my letter. I have yet to receive the validation of the 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
Consumer complaint received 2023-09-04 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: MO

Complaint narrative:
There are Two collections that are reporting on my account that are not my collections. These COLLECTIONS are also reporting PAST DUE BALANCES. 

XXXX XXXX XXXX XXXX - {$670.00} XXXX  XXXX XXXX XXXX {$390.00} There Are also unauthorized inquiries 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 2023-09-04 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: VA

Complaint narrative:
I'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-09-04 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: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Experian requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Experian, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report. 

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's 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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charges an interest fee of over {$500.00} plus a monthly interest rate that accrues daily. I was told i would be interest free for 1 year. I was not told it would be interest deferred. Now it seems that the Best Buy Visa card ( provided by Citi Bank ) is double charging me interest payments. On which is being added as the yearly rate to be paid in full of over {$500.00}, and the other is the expected interest rate attached to the principal payment as a monthly fee. I called the company they said they will not send me the agreement form and that I could go to best buy and ask them for it. The company said that they will not remove the fee and i am expected to owe them the additional XXXX XXXX as it is interest owed for not paying interest for a year. I told them it was supposed to be interest free they said I was. They also said since I didn't pay the card down the were back charging me for the interest. I explained that is interest deferred not interest free. 
This seems like deceptive trade practices and I'm certain I'm not the only person they have done this to. This additional fee of over {$500.00} is un acceptable and needs to be corrected. I understand the minimum amount increasing due to interest kicking in however I should not be charged an additional years worth of interest on top of the expected monthly interest fee.

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 2023-09-04 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Equifax requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Equifax, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report.

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
Notice to principal is notice to agent notice to agent is notice to principal I am writing to express my serious concerns regarding a matter that pertains to my right to privacy and the violation of my consent in the context of a consumer report. 

As an individual who values their privacy, I am deeply troubled by the recent events that have come to my attention. I have discovered that a consumer report containing my personal information has been generated without my explicit consent. This is a clear violation of my rights as outlined under the mentioned legal statutes. 

According to 15 USC 1681a ( b ) ( 2 ) ( i ), consumer reporting agencies are required to exclude certain accounts from a consumer report when those accounts arose from transactions and experiences involving my credit card. This exclusion is essential to protect the privacy and rights of individuals like me. However, I have observed that accounts stemming from my credit card transactions which congress defines a credit card as 15 USC 1602 ( L ). These transactions and experiences have not been excluded from the consumer report, as mandated by law. 

Furthermore, it has come to my attention that your organization claims to have a permissible purpose to furnish information about me, as allowed by 15 USC 1681b ( a ) ( 2 ) However, I want to emphasize that I have never provided written consent for your company or any affiliated entities to furnish, collect, or disseminate any information about me. This lack of explicit consent raises serious questions about the legality of the consumer report in question. 

I kindly request that you promptly investigate this matter. I also request that all accounts that arose from a consumer credit transaction which was done by my credit card as defined by congress 15USC 1602 ( L ) should be excluded according to 15 USC 1681a ( b ) ( 2 ) ( i ) will be removed from the report immediately. Please provide a written statement on why my consent was not obtained before generating a consumer report on my behalf It is my sincere hope that we can resolve this issue amicably and ensure that my rights are upheld in accordance with the law. Please respond to this letter within 15 days with your findings and proposed actions to rectify this situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
We were on vacation and went to a time share sales meeting by Wyndham for free credit at our hotel. During the meeting we were given an electronic form to fill out presented as an income check for purchasing a time share. When I got back to my hotel I had an email saying I was getting sent a a Wyndham credit card that was never mentioned or that we agreed to

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
whenever I try to open account It is denied stating " You have applied a number of times and we can not verify the information you have provided at this time '' customer care said I need to wait 30 days before applying. 
I tried, it get denied all the time. 
all my information is correct. 
but they keep denying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: VA

Complaint narrative:
I'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-04 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: IA

Complaint narrative:
In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. Equifax and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates XXXX XXXX the financial institution, and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXXXXXX XXXX whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title Equifax and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Consumer Protection Violation claim.

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 2023-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I got reached out to by the law offices if KIMBALL TIREY STJOHN stating that I owed them a collection for an apartment I lived in. They stated that I owed a certain amount for moving out prior to letting them know 60-days in advance. I let them know over 30 days in advance. They stated the lease agreement says 60-day notice shall be given prior to vacating the apartment. However, My lease agreement ended on at the end of XXXX XXXX and I entered a " Month-to-month '' agreement where I was paying as much as + {$400.00} extra each month just to be on a " month-to-month '' agreement because I was planning on moving out in an uncertain time period. I gave them ample time with over 30 days, but they insisted on charging me extra money because it wasn't at least 60 days according to the expired lease agreement. This is hurting my credit and making it difficult to buy a home for my family. I also requested that they provide me proof of validation from one of their attorney 's that the collection is legally justified multiple times and I never got this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NJ

Complaint narrative:
Many of the addresses and accounts link to them have no association with me or my name my name and addresses are wrong state, wrong city, wrong zip code, and many addresses I have never lived at or reported to on 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 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Many of the addresses and accounts link to them have no association with me or my name my name and addresses are wrong state, wrong city, wrong zip code, and many addresses I have never lived at or reported to on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner thank you and god bless

Company response to consumer: Closed with explanation