vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I noticed my checking and savings account with Sofi bank is restricted. I havent been able to pay my bills, receive my direct deposit, or zelle payments, and Ive received notification from a lender that my auto payment didnt go through. I have no gas in my car. I have more bills due in a few days and the agents will not give me any information. I am told I have all the information I need to know and they hang up on me. I need access to my funds. I am a small business and my payments go directly into my bank account from square and I am not able to receive any payments. They are holding my money. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank offered me a XXXX XXXX XXXX for purchases and balance transfers, along as XXXX dollars cash back after I spent XXXX on card which I never got. I called was hanged up on the phone XXXX  times. I got card in XXXX, and noticed last month I was getting charge interest. 
I would appricate any assistance. This is false advertisment.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/2024 for a collection account on my credit, from XXXX XXXX XXXX. I disputed this because the information they had on file, was not accurate. 
I have not heard anything in regards to the dispute. I have since, updated all of my information with the company, so they have all accurate info. The dispute is still pending 4 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of multiple hard inquiries on my credit report that I believe to be inaccurate and unauthorized. These inquiries are negatively impacting my credit score, and I request that they be promptly removed from my credit report. I demand that these unauthorized hard inquiries be removed from my credit report within three ( 3 ) business days from the date of this letter. Failure to do so will result in further action to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter. I look forward to the swift resolution of this dispute. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: U.S. BANCORP
State: VA

Complaint narrative:
Subject : Dispute with Fidelity over Unauthorized Charge and Provisional Credit Today, XX/XX/year>, I contacted Fidelity for the third time regarding an unresolved dispute over a recent purchase. 

I attempted to purchase storage shelves from a company called XXXX. However, the company failed to deliver the items, and XXXX  tracking details indicated that the items were being sent back to the sender. The tracking numbers clearly show the images of what was purchased and the tracking numbers for each item show " failed delivery '' as well as information that the items were signed for and delivered to an address in XXXX, NJ, while I reside at XXXX XXXX XXXX, XXXX, Virginia. This is where the items were to be sent. 

After I realized that they reversed the provisional credit, I received a letter stating that unless I provide details of the items, the credit would not be reinstated. I complied with this request and submitted detailed tracking information from XXXX by their deadline of XX/XX/year>, clearly showing that the items were not delivered to my address. 

Despite providing clear documentation, Fidelity is still requesting additional ( the same information I already gave them ) even though the proof I submitted is evident and verifiable. Fidelity has the ability to verify the tracking information directly through the XXXX website using the provided tracking numbers. 

I am seeking your assistance to take action against Fidelity to resolve this issue. Specifically, I request that the approximate {$1300.00} charge be credited back to my account. This unresolved dispute has caused me significant inconvenience, and I had to purchase the storage shelves from XXXX XXXX, incurring additional costs. 

My account number with Fidelity ends in XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-10 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: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts from my credit 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint personally. A review of my credit report revealed late payment entries. I sent letters regarding this issue over 30 days ago but have received no response, nor have I been provided with adequate validation. I'm seeking your help to address this situation.

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 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I was denied a simple store card which prompted me to check my consumer report ; upon doing so I noticed a company by the name of SEQUIUM ASSET SOLUTIONS listed I have never heard of before or did any business with on my consumer report. I never received a letter in the mail or phone call explaining to me who they are or the alleged debt I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-10 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 recently reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in a consumer report.

Furthermore, under 15 U.S. Code 1691i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate information and notify the information provider.

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 2024-07-10 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: CA

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in a consumer report.

Furthermore, under 15 U.S. Code 1691i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate information and notify the information provider.

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 2024-07-10 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-10 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: TX

Complaint narrative:
I've made numerous attempts to address the fraudulent inquiries on my consumer report without success. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable mental anguish and financial hardship. As an identity theft victim, I may need to pursue legal action if this issue isn't properly resolved. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial stability. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this problem and requesting resolution for your reference.

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 2024-07-10 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-10 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: CA

Complaint narrative:
I saw my credit report this morning and once again was disappointed. There are inaccurate accounts that keep showing up. Please check the documents I've sent regarding 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 2024-07-10 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: NJ

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. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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. 

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. 

Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 


Sincerely, 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 2024-07-10 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: NJ

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. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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. 

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. 

Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 


Sincerely, 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 2024-07-10 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: IN

Complaint narrative:
It is evident that your company failed to conduct a thorough investigation into my dispute. I want to emphasize that I have a legal right to request substantiating evidence for this alleged item, notably the original application, item, or contract that bears my signature.

Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that a failure to investigate these matters within a 30-day timeframe provides sufficient grounds for the immediate removal of these items from my credit report. As it has been more than 30 days since my initial dispute, it is evident that this matter is in clear violation of the FCRA.

In light of these legal provisions, I hereby demand the immediate deletion of this disputed item from my credit report to bring it into compliance with federal law.

Company response to consumer: Closed with non-monetary relief