vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

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 2024-12-31 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: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. These inquiries were made fraudulently and without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Applicable Laws Violated : FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report for a permissible purpose. Hard inquiries require the consumer 's authorization.

FCRA Section 616 ( 15 U.S.C. 1681n ) : Willful noncompliance with the FCRA, such as reporting unauthorized inquiries, subjects the reporting entity to liability.

FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccuracies in their credit reports, and the credit bureau must investigate the disputed items within 30 days.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Furnishers are prohibited from reporting inaccurate or incomplete information knowingly.

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 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Recreational Holdings Corp.
State: CA

Complaint narrative:
They have a major glitch with their payment system, I have made payments twice in one month to reduce the principal amount, with the system the have in place it will instead of reducing principal it will instead apply toward regular payments. Example- my regular payment is XXXX $ per month due XX/XX/XXXX... I make a XXXX $ payment before due date. It will not apply XXXX $ payment due XX/XX/XXXX and XXXX $ toward principal, instead it will say I don't have a payment due until XX/XX/XXXX. When I contact them they say I have to call every time I want to apply principal payment, I find very primitive, not only is that inconvenient but they also will tell you that you still have a payment due on XX/XX/XXXX. What they do is take all XXXX $ toward principal and nothing toward the monthly, so you still have payment due on XX/XX/XXXX, and if you don't catch that you're paying late fees and reported as late. They have other problems like not having any information for your loan available online nothing explaining this awkward system they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

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 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-31 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:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> : Deposited 3 IRS ERC checks for a total of XXXX we received as ERC ( covid refund ). Teller told us that there will only be one day hold since they were IRS checks, XX/XX/year> : I wire transferred the deposit to my XXXX brokerage account using XXXX software tools. XXXX gave me credit to use the funds even before they receive the as a gesture of good will and my good credit with them. 
XX/XX/year> : XXXX reported that there is a problem with the wire and that Citibank canceled the wire. 
XX/XX/year> : Received a letter from Citibank saying our account had been frozen for fraud prevention and the only way we could withdraw money is to go to a branch and ask for it. 
XX/XX/year> : We went to Citibank branch in XXXX, CA and asked them to release the account so that we could re-transfer. We gave them the option of having them write a cashier 's check instead. Branch manager refused saying that they needed verification from back office before they can do that. We waited on the phone for hours. Back office finally said no. They said they will mail us a check for the funds in two weeks. 
XX/XX/year> : I Informed XXXX about what happened. They said i needed to liquidate my account for {$35000.00} we had used up. I am in process of selling my valuable equities for this reason, citibank had received cash for the very valid IRS checks yet they kept it on hold for no reason. Meanwhile our Citibank account is locked. They said they will close our business account as well,

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 2024-12-31 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: DE

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-12-31 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plans as late for and purpose.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please DELETE this account, XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies Identified Across Credit Bureaus Date Opened Discrepancy : XXXX reports the date opened as XX/XX/2024, while XXXX lists it as XX/XX/2024. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], requiring accurate and consistent reporting.

1.Balance Reporting : The account balance of {$590.00} is inconsistent with the reported high credit of {$550.00}. 
This contradicts Metro 2 Compliance Standards, which mandate accurate representation of account balances and high credit. 
2. Payment Status and Reporting Issues : Both bureaus list the account as Coll/Chargeoff without providing verifiable documentation to substantiate this claim.

This violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which requires data furnishers to ensure accurate reporting and provide proof upon dispute.

3. Inadequate Documentation of Collection Activity : No verifiable documentation has been provided to substantiate the collection claim, as required under FCRA Section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXXXXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : XXXX reports a balance of {$270.00}, XXXX reports {$0.00}, and TransUnion reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus. 
XXXX. Inconsistent Payment History : XXXX and XXXX report 30-day and 60-day delinquencies, while TransUnion reflects no late payments ( 30 : 0, 60 : 0, 90 : 0 ).

This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : XXXX and TransUnion report the account as Derogatory, while XXXX reports the account as Paid. 
This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness. 
XXXX. Misrepresentation of Charge-Off Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : XXXX and TransUnion continue to list a Past Due Amount of {$270.00}, while XXXX reports {$0.00}. 
This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXXXXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : XXXX reports a balance of {$270.00}, Experian reports {$0.00}, and XXXX reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus. 
1. Inconsistent Payment History : XXXX and Experian report 30-day and 60-day delinquencies, while XXXX reflects no late payments ( 30 : 0, 60 : 0, 90 : 0 ).

This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : XXXX and XXXX report the account as Derogatory, while Experian reports the account as Paid.

This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness.

4. Misrepresentation of Charge-Off Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : XXXX and XXXX continue to list a Past Due Amount of {$270.00}, while Experian reports {$0.00}.

This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC
State: MS

Complaint narrative:
The company is westlake finiacial back in 2023 I requested forms with my signature proving I signed they refused to sent it to me said I have to send them paper work proving I didnt that doesnt even make since

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion wont take off a old account thats for a XXXX account off my credit its from 2017

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 2024-12-31 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: OneMain Finance Corporation
State: TN

Complaint narrative:
I talked to them about a loan but did not authorize them to run my credit once they told me the interest rates they apparently ran my credit and called me for weeks. Now that left a hard inquiry on my credit report. Please help me fix this and get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX, I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. 
To date YOU CONTINUOUSLY AND WILLFULLY VIOLATED MY RIGHTS AND THE LAW AND HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. I am writing to formally request, for the XXXX time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : 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 XXXXXX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.

Company response to consumer: Closed with non-monetary relief