vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: AR

Complaint narrative:
This account does not belong to me and I would like for it to be removed from my XXXX, TransUnion XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX 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 2024-06-17 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: AR

Complaint narrative:
This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX Eqifiax Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: MT

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Information Management Corporation
State: OR

Complaint narrative:
I received a letter on XX/XX/XXXX. Stating I had 48 hours to pay XXXX dollars plus XXXX in interest for a total of XXXX dollars to a company called XXXX XXXX. The letter stated they are representing a company called XXXX XXXX, who I rented a townhouse from in XXXX. This is the first I have heard of this debt, so I called and the person whom I spoke with offered no information. Just threatened me and put me down with insulting comments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: MI

Complaint narrative:
This company has stolen my personal identity and has used it to profit, without my consent. This constitutes an unlawful purpose. They are selling my private information without my knowledge or consent. Theyve refused to rectify the situation in any manner. Theyve refused to delete the unverified, invalid information. This is even after I made them aware of the discrepancies. Them taking and using my identifying information is a crime. I have no contract with them. I havent provided express consent for them to create or furnish any information about me. This has cause me significant damage and has restricted my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: PR

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-17 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: KY

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally request the reason for the closure of my Best Buy Citibank credit card account associated with [ XXX-XXXX-XXXX- XXXX ]. This decision is motivated by a series of concerning incidents and unresolved issues that have severely impacted my trust and confidence in CITI Bank 's services. 

On [ XX/XX/year> ], I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several issues I encountered with my account. Subsequently, I received a call from a representative that did not adequately address my concerns and demonstrated a lack of professionalism and empathy. 

Furthermore, I have experienced ongoing problems with my account, including : Incorrect Over-limit Charges : My account repeatedly went over the limit due to recurring interest charges, despite no new transactions. This was exacerbated by an incorrect payment processing issue when I attempted to rectify the situation with a {$1000.00} payment. 

Unresolved Payment Issues : Despite multiple attempts to cancel a payment and numerous calls to Citibank, the incorrect payment amount was processed. This led to further complications, including the closure of my bank account for alleged fraud, which Citibank attributed to erroneous information regarding my credit score from XXXX. 

Retaliatory Account Closure : Following my complaint to the CFPB and the unresolved issues with my account, I was informed by CITI Bank representatives that canceling a specific payment could result in account closure and affect my credit. Despite multiple requests to cancel this payment, I was unable to do so. This threat was carried out, resulting in the closure of my account, which has had significant adverse effects on my financial stability. 

These issues not only caused financial inconvenience but also led to the unwarranted closure of my bank account, which has had significant implications on my financial affairs. 

I would like to bring to your attention that according to the rules and regulations governing credit card issuers, including but not limited to those set forth by the Consumer Financial Protection Bureau ( CFPB ), customers are entitled to fair and transparent treatment, accurate billing, and timely resolution of disputes. The actions taken by Citibank in my case have not adhered to these standards.

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 2024-06-17 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name XXXX XXXX XXXXXXXX XXXX {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 2024-06-17 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name : Rent Debt Automated {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : XXXX XXXX opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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 2024-06-17 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: NV

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION XXXX No balances with Conns. It states I owe {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NV

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION XXXX No balances withXX/XX/XXXX It states I owe {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I was talking to a salesman about a vehicle and told him what I wanted the payments to be..later he asked me to send him my pay stubs but I never had a chance to send them. ( I have text messages to prove it ) ..layer he tells me I was approved for a loan ( that I never applied for ) the loan company doesn't have a application on file for me... the dealership advertised a 30 day guarantee but refused to stand behind it after the vehicle needed engine repair after 2 days of receiving it..the loan company promised me that would take care of it only to find out they WILL NOT do anything to help me..they have lied and manipulated the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

Complaint narrative:
After going through my credit profile I had saw quite a few inquiries that do not belong to me.

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 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
On several occasions this past month I have spoken with XXXX XXXX. My credit reports MUST be 100 % correct across the board. This account XXXX XXXX, with XXXX XXXX XXXX and the account xxxxx XXXX, with XXXX XXXX are not on my XXXX or XXXX. I request they be removed immediately. 
I am also attaching verification in the form of my Drivers License and Social Security Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

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 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am reaching out to the CFPB for helping regarding a closed account with JPMCB. I XXXX XXXX had my credit card account abruptly closed with Chase with no reasoning or explanation as to why they closed my credit card. Following with the closing of my account Chase had additionally locked my access to their Chase app after closing my account. Not only this although Chase shut down my account and locked me out of their app they still continued to charge me the annual fee for their credit card that was opened on XX/XX/XXXX. This incurred me to receive late payment remark ( s ) from XX/XX/XXXX all the way to XX/XX/XXXX. I finally called them to notify them of this as they have marked me with XXXX late payment ( s ) and completely and utterly destroyed my credit and I am only XXXX XXXX XXXX. I barely graduated college and Chase has destroyed my credit rating severely with no regard. This has left me in emotional anguish and distress because I don't even have a auto loan yet and I am already behind the ball with a bank I thought had my best interest ( s ) in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX {$540.00} # XXXX, Account name : Rent Debt Automated {$610.00} # XXXX opened on XXXX, Account name : XXXX XXXX XXXX {$6900.00} opened XXXX XXXX # XXXX, Account name : Credence Resource opened on XXXX {$1400.00} # XXXX, XXXX XXXX {$500.00} opened XXXX # XXXX, XXXX XXXX {$1600.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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