vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to address an ongoing issue regarding a recent purchase I made at your store. I bought a pair of sunglasses ( Dispute ID : XXXX ) for a total of {$270.00} plus tax. Unfortunately, upon discovering that the item was defective, I attempted to return it to the store where it was purchased. 

However, despite being within the return policy period, I was informed by the store manager that I could not return the item. I was told that since I had already bought it, a return was not possible. I was not made aware of this restriction at the time of purchase, and it was only after bringing the defective item home that this issue arose. 

Following this, I opened a dispute with my credit card issuer, Discover, regarding this charge. I have received correspondence from Discover stating that my claim was denied due to my failure to return the item, which does not take into account the merchants refusal to process the return. 

Given the circumstances : The defective item was returned within the policy period. 
The store refused to accept the return based on policies I was unaware of at the time of purchase. 

I kindly request that XXXX XXXXDiscover review this matter and consider processing a refund or providing an alternative resolution. Please find attached the relevant documentation, including the receipt, photos of the defective item, and communication with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: IL

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I applied for an all in one loan with CMG financial. The bank has placed 3 hard inquiries on my credit report without written approval authorization or knowledge. On XX/XX/year>. I havent received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
Self Financial is reporting inaccurate pass-due payments. For XXXX the Self account is showing XXXX pass due for XX/XX/XXXX but showing current on XXXX and XXXX. Also they are reporting 30 day pass due on XX/XX/XXXX and XX/XX/XXXX in all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I was a military duty and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of 9 affirm accounts were reporting on my credit report. I have never had affirm before. I have never applied for affirm. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed affirm through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over 30 minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob , and ssn. She then provided me with a collections number ( XXXX XXXX ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : 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 2024-09-12 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: IL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX FIN Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
I entered into a contract on XX/XX/XXXX at XXXX XXXX XXXX XXXX with GM Financial. I took classes regarding laws, at that time I realized my contract was an evidence of fraud. Specifically violations of the Truth in Lending act, Louisiana Consumer Laws, and Regulation Z ; involving misrepresentation of finance charge, not disclosing information regarding trust opening or securities, violating the right to rescind. I withheld payments due to the fraud I found in my contract. On XX/XX/XXXX I received a letter from GM Financial regarding XXXX XXXX stating I have until end of business day on XX/XX/XXXX to make payment. I then contacted Louisiana XXXX Clerk of Court for a copy of my finance statement, the representative stated he does not have anything on file for me. I sent GM Financial a letter stating I discovered evidence of fraudulent activity in the origination of the contract that GM Financial received on XX/XX/XXXX they did not respond. On XX/XX/XXXX @ XXXX my was repossessed, which was deceptive of the letter they sent me, which stated I had until XX/XX/XXXX closed of business day to make a payment. I then proceeded to contact GM Financial on XX/XX/XXXX to receive information of where the vehicle was located in order to get my belongings, the representative refused to give information and stated they are not allowed to give out that information. I then continue with legal actions at the time I realized they were retaliating against me for the dispute of fraud found in my contract. I filed a police report for unfair and deceptive business practices with XXXX County Sheriff Department ( Report # XXXX ). They did not have the rights to a vehicle they did not secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
To whom it may concern I receive a copy of my credit report and found the attach items to be in error .By the provision of the fair credit reporting act I DEMAND these items to be investigated and remove from my credit report.It is my understanding that you will recheck these items with the credit creditor who posted them.please remove any information that the creditor can NOT verify.I understand that under 15 USC section 168IA.they must complete the investigation within 30 days of the receipt of this letter.Please send me an updated copy of my credit report to the address provide. 

Please note that I had previously tried to get in contact with company via mail sent XXXX XXXX never received a response back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
1. As per XXXX XXXX previous complaints, Citi made this credit card totally unusable by a. reducing credit limit by {$4000.00} and eliminating the cash access completely, XXXX, By their own action, they ruined my credit card score for NO reason - no late payments ever, no overdrafts ever, no reason for their truly evil activities,, But their intentionally harmful actions resulted in my credit score being reduced by 30+ points, making refinancing impossible via any creditor.

3, Accepted unauthorized charges to the tune of {$200.00} and insisted that those charges be a part of my MIN payment.

4, Refused to provide any professional answer to my repeated complaints about this card AND TO RESOLVE ANY AND ALL PROBLEMS 5, Refused to close this totally useless to me CITI THANK YOU credit card. 

SINCE CITI IS A TOTALLY IRRESPONSIBLE AND CUSTOMER ABUSIVE BUSINESS, I SEE ONLY ONE SOLUTION - TO CLOSE MY CITI THANKYOU CREDIT CARD ACCOUNT IMMEDIATELY AND TO TAKE LEGAL ACTIONS VS CITI CREDIT CARDS.

But Citi does not permit me to close the account online, This is what they say : " To close your credit card account, you'll need to give us a call and tell the automated system " Close my account. '' You can find our phone number on the Contact Us page '' .WELL, AS CITI KNOW, I CAN NOT CALL THEM, AS I AM IN XXXX XXXX AND THEIR GOOD FOR NOTHING CHAT HAS BEEN OF NO HELP IN EITHER THIS OR ANY OTHER MATTER. NOBODY ANSWERS EMAILS OR THE CFPB COMPLAINTS. AND THEY GIVE NO FAX NUMBER, THIS COMPANY MUST BE FILED IN MILLIONS OF $ $ $ FOR THEIR INSISTENT AND PERSISTENT FRAUD, THEFT, AND CUSTOMER ABUSES

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 2024-09-12 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 


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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I called XXXX and they said they dont have an account with my name as an authorized user I pulled my credit report its not reporting on XXXX, XXXX but its showing on Equifax XXXX Equifax said its not showing on there end but when I pull my report showing. 
Would you please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: IN

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-09-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to request the removal of a credit inquiry that appeared on my credit report from SYNCB ( XXXX ) dated XX/XX/year>. This inquiry is listed under SYNCB ( XXXX ) and was not authorized by me. 

I did not give permission for this inquiry and believe it to be incorrect. As this inquiry is negatively impacting my credit score, I kindly ask that you investigate this matter and promptly remove the inquiry from my credit report. 

Please confirm receipt of this letter and inform me of the actions being taken to resolve this issue. Should you require any additional information or documentation to process my request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter.

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 2024-09-13 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: OH

Complaint narrative:
I am submitting this complaint regarding Equifax 's failure to remove fraudulent and inaccurate information from my credit report, specifically a XXXX XXXX XXXXXXXX XXXX account with reference number XXXX. This account is entirely fraudulent and has caused significant harm to my credit file. 

I have previously notified Equifax of this issue and demanded removal of the account under the Fair Credit Reporting Act ( FCRA ), specifically citing my rights under 15 U.S.C. 1681c-2 ( a ), which requires credit bureaus to block fraudulent information upon receiving valid proof such as an FTC Identity Theft Report.

Despite providing all the necessary documentation, including my FTC Identity Theft Report, Equifax has failed to remove the fraudulent account, which is a violation of the FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-13 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: NJ

Complaint narrative:
I am filing this complaint because I have identified an unauthorized hard inquiry on my Equifax credit report. Specifically, a hard inquiry was made by XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. I did not provide consent for this inquiry, nor did I apply for credit or financial services from this company during the relevant period. 

I have previously contacted Equifax to dispute this unauthorized inquiry, and they responded by stating that " inquiries are a factual record of file access and will remain on the Equifax credit file per two years. '' This does not address my dispute. Under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), hard inquiries can only be conducted with explicit consumer consent, which was not given in this case. 

This unauthorized access to my credit information is negatively affecting my credit score, which could impact my ability to obtain credit in the future.

Company response to consumer: Closed with explanation