vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MI

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my account, which should have alerted me before my credit report was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission Identity Theft Affidavit regarding this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: AZ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax breach. I want these items deleted from my credit report effective immediately Im attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report DEPT OF EDUCATIONXXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I experienced significant issues with XXXX XXXX XXXX  related to XXXX credit card accounts I held : the XXXX XXXX  and the XXXX XXXX, each with a {$300.00} limit and monthly fees of {$25.00}. The core of the problem began when I lost access to the online portals for these accounts, making it impossible for me to log in and manage my finances due to the portal 's requirement for card numbers to reset passwords. This situation was exacerbated by the loss of my wallet, which contained the physical cards. 

Despite my proactive efforts to resolve this issue, including contacting customer support at least XXXX times to request new cards and update my mailing address, the bank repeatedly sent the replacement cards to an incorrect address. This failure occurred despite assurances from customer support that my address had been updated in their system. 

As a direct consequence of being unable to access my accounts or make payments, the accounts were eventually sent to collections, and I received a letter from MIDLAND CREDIT XXXX de

manding payment of {$680.00}. FDCPA Violations : This situation has been further complicated by potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by MIDLAND CREDIT XXXX, including : Lack of Proper Notification : Under 809 of the FDCPA, debt collectors are required to send a validation notice within XXXX days of first contacting a consumer. This notice must include the amount of the debt, the name of the creditor, and the debtor 's rights. I did not receive adequate notification or validation of the debt before it was reported to credit bureaus, which may constitute a violation of this section.

Misrepresentation of Debt : If MIDLAND CREDIT XXXX failed to accurately convey the circumstances that led to the debt 's accrual, including the bank 's repeated errors in sending replacement cards to the wrong address, this could be seen as a misleading representation of the debt 's nature, potentially violating 807 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXXXXXX XXXX XXXX XXXX  XXXX states I have the right to privacy. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase

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 2024-02-25 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:
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX section XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been an american express customer for years and had never made late payments before XXXX. The post charges for my XXXX statement was {$430.00}, however, due to personal issues, my payment past due, hence they charged me with {$69.00} late fee and {$30.00} interest in total on my XXXX 's statement. On XX/XX/2024, I paid off my balance of {$460.00} ( interset charges included ). After that, I contacted American Express customer service and they promised that they would waive off all the late fees once they received my payment. However, they broke their word as none of those fees were waived on XXXX And to make it worse, American Express even charged me with extra {$40.00} late fee and {$12.00} interest fee on my XXXX statement, {$40.00} late fee and {$2.00} on XXXX 's statement, which is literally ridiculous. So I refuse to pay such unreasonable fees now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX i did a mobile check deposit for a XXXX XXXX XXXX I received in the mail from a settlement lawsuit for {$1900.00} the next morning at XXXX I received an email from Bank of America stating my account will be closing due to a fraudulent check. I contacted the lawyer and they said the check is valid and there no hold on the funds. I called Bank of America a few times over the last week and even went in person and talked to a teller and they still give me the run around. On the XXXX of XXXX I received a email from Bank of America stating balance after transaction and fees were {$1900.00} Transactions type was a electronic payment For {$48.00} and fee was {$0.00} while my account is still closed. I want to know what step can I take

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 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
On three separate occasions, I canceled my XXXX  mobile service, yet I am still being charged and now it is in debt collection. 

Each time I canceled with XXXX, they said it was canceled but it has yet to be. I contacted them both via telephone as well as chat. I am currently in collections for XXXX months worth of charges. 

I have a screenshot from the last chat conversation on XX/XX/2023 where the agent wrote " I have canceled the lines ... ''. I also confirmed that the only amount due was about {$100.00} and he confirmed that. I was then subsequently charged for XXXX more months and it is now in collections. 

It takes no less than a half hour to speak to someone, each time I have reached out. I am exhausted of fighting a bill that I dont know and now my XXXX XXXX is in danger. And all for a service that I never used once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX, DE XXXX Dear XXXX, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BARCLAYS BANK DELAWARE ( Commercial Banks ) Date of inquiry XX/XX/year>. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA XXXX XXXX, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section XXXX requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA XXXX XXXX you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I do not know who these people are that ran a hard copy of my report? Please remove. SYNCB/XXXX. Says XXXX XXXXXXXX 
Have no idea 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 2024-02-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
There's a different last name on my credit report XXXX XXXX ( my correct name is 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
There's a different last name on my credit report XXXX XXXX ( my correct name is 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 2024-02-25 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-25 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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:
On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account.

Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( XXXX ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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:
On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account.

Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( XXXX ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''

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