vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: TN

Complaint narrative:
To whom it may concern, I never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. Please validate this account TENNESSEE DEPT OF H Please delete this from my consumer report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: EQUIFAX, INC.
State: VA

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 pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year> I purchased a dishwasher from XXXX XXXX, and paid for installation and take-away of old appliance. Though the dishwasher was delivered ( and sat in my dining room for months ), it was never installed nor was the old appliance taken away. Each time I scheduled the installation, a new installer arrived, giving a new and different excuse as to why he couldn't or wouldn't installed the dishwasher. Lacking any success, I hired a plumber to install it and called a junk company to remove the old machine from my property. When the bill came, I deducted these expenses from the total and filed a dispute with XXXX XXXX regarding their lack of responsibility. Meanwhile, I wrote to CitiBank to notify them that I was disputing the charges. Meanwhile, my dilemma became known to others and I found other elderly females who experienced the same thing. XXXX XXXX had found a method to sell a product, promise installation and take-away, but never complete the service. I wrote to XXXX XXXX at their corporate offices informing them that I am not the only one who has been scammed. After months of writing letters, I finally connected with the Executive VP of XXXX XXXX who paid the disputed amount and sent me a letter of apology. Citibank gladly accepted the amount that was in dispute, but refuses to to dismiss their late fees and interest charges. Over the last 6 months, Citibank has continuously charged late fees ( each month the amount rises ) plus interest ; in addition they have notified the Credit Bureaus of the defunct amount causing me to lose my perfect score. XXXX XXXX paid Citibank the disputed amount, but refuses to pay late fees and interest. Neither will I. If an amount is in dispute, it should be held dormant until a resolution is reached.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I refuse to pay the debt to National Credit System which is located on XXXX XXXX XXXX XXXXXXXX and their account number is XXXX and I have every right due to law 15usc1692cc and I would like to cease all communication with them. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime
State: MD

Complaint narrative:
I had an existing loan with XXXX XXXX XXXX ( account number : XXXX ) for a XXXX XXXX, which I traded in at the DriveTime location on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. The DriveTime representative assured me that they would send the remaining loan balance to XXXX XXXX XXXX to close out the loan account. I have been in communication with a DriveTime representative named XXXX, who confirmed that the payment was overnighted to XXXX XXXX XXXX, and I am attaching the confirmation PDF, which shows that it was signed for by an individual named XXXX XXXX. 

Despite this, XXXX XXXX XXXX has continued to contact me about missed payments, and I have incurred additional fees due to what seems to be a delay or miscommunication in processing the payment. I have reached out to both XXXX XXXX XXXX and DriveTime multiple times to resolve this issue, but I have not received a clear resolution, and my account remains in limbo. I have reached out through email and did not get a response back to help resolve this issue. 

My credit score has tanked from the mishandling of this check from DriveTime and XXXX XXXX XXXX. It is unfair that these companies have been damaging my credit when I have been making my auto payment on time since I traded in the car. I do not have the XXXX XXXX anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: IN

Complaint narrative:
recently checked my credit credit report and found hard inquiries which was unauthorized so i want them off my report both XXXX and XXXX has already removed them I'm haven hard time with both TransUnion ON Subject : Request for Removal of 18 Unauthorized Hard Inquiries I am writing to dispute all the hard inquiries listed on my credit report, which were made without my authorization. These inquiries are negatively impacting my credit score, and I request their immediate removal. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information on my credit report is accurate and verifiable. Specifically, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) of the FCRA, a consumer report is only permissible if it is requested for a legitimate purpose with my explicit consent. I have identified the following hard inquiries that I did not authorize : [ List the companies and inquiry dates that need to be removed ] These inquiries were not made with my consent, and I believe they are a violation of the FCRA. I am requesting that you investigate these inquiries immediately and provide evidence of my authorization. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputed information within 30 days of receiving this notice. If you determine that these inquiries were unauthorized, I expect the hard inquiries to be deleted from my credit report and confirmation of the deletion to be sent to me in writing. Please also forward an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter. I look forward to your prompt resolution and response within the legally allotted time frame. I will Attach F.T.C .Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-22 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-22 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: AR

Complaint narrative:
I've found errors on my credit report tied to 15 USC 1681c-2, specifically unauthorized inquiries that are damaging my score. Kindly remove all unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: IN

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This company said I have a best buy account debt from 2004 they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a best buy account and a cc with them and it's not through HSBC bank in XXXX ... XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: KS

Complaint narrative:
There are inaccuracies on my credit report related to 15 USC 1681c-2. These inquiries were not authorized, and they are harming my credit. I request that you remove all unauthorized hard inquiries. Thank you.

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
The account is invalid. NCB MANAGEMENT SERVICE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

NCB MANAGEMENT SERVICE ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit 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: Colony Brands, Inc.
State: NY

Complaint narrative:
I received my statement in XXXX my balance was {$220.00} was the correct amount. 
15 days after the company send me another bill of XXXX. XXXX that I owed. 
A purchased of XXXX done in XX/XX/XXXX A purchased of XXXX done in XX/XX/XXXX. 
Both items were returned and was given credit for the return. The company is charging me again when they already have the items in their possession. 
PS I have 2 different account numbers I dont know why. 
I can not access my account on-line no I can not make payments online neither I dont know why. My account on line says my balance is cero. All these changes is going on with my account without any explanation to why all these changes. 
My original account number is XXXX XXXX XXXX XXXX My new account on my last statement XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Capital One for closing my account unjustly and without proper cause. Recently, I had requested a replacement for my lost Capital One credit card. I received the new card, but upon attempting to activate it, I was informed that my account had been closed due to inactivity. 

This closure came as a shock, as I had intended to use the new card immediately upon receipt. I had not used the account recently because I was waiting for the replacement card to arrive. The sudden account closure now adversely impacts my credit score, as it affects my credit utilization ratio and overall credit history. 

I feel that Capital Ones decision to close my account under these circumstances is unreasonable and unfair, especially since I was actively taking steps to use the account. I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter and seeking to have my account reopened or, at the very least, ensuring that the negative impact on my credit score is rectified. 

Thank you for your time and assistance in this matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

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 confidentially under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL XXXX ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-2 ( A ) ( 1 ), a person " shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: FL

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL XXXX ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-2 ( A ) ( 1 ), a person " shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I was a victim of identity theft and this card was opened in my name without my knowledge. I have asked for proof that i have ownership of account and was not given such. Please delete off credit report as i have no knowledge of the account

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