vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today XXXX at XXXX Az time I called Equifax because I was unable to login to my account or pull my credit information Despite answering the security questions correctly as well as at XXXX AZ time they sent me a verification step by phone, in which I submitted a copy of my Arizona XXXX XXXX XXXX License, front and back, as well as had to take a live selfie. despite no major difference in my appearance outside of my hair growth, they were unable to verify me. Instead of looking at the picture of my license and selfie, and despite answering several identifying questions such as my full ssn, date of birth, full address, phone number which not only I was calling from but also I know for fact is on my other credit reports. I asked them to look at the pictures that were taken and they said they couldn't. 

The representative and the manager told me that I need to mail a copy of my social security card, front and back of my license, and my issue to restore my account and start the dispute investigation. I asked for the fax number and they said there is not one. I find it ridiculous that they would want me to jeopardize my identity information by sending such documents through the mail. 

My concern is the security risk to my information by mail. More so not being able to get this resolved knowing that specific invalid information that I am trying to dispute is preventing me from moving forward in a process, both in change of residence and change of career, in which I have a very limited window of time to resolve. 

Spoke to supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
Last month I've noticed that Experian is reporting inaccurate personal information, along with collections and inquiries that doesn't belong to me. After reaching out to the creditors reporting these accounts, I asked them to verify this debt along with sending me any proper documentation including signed agreements, contracts, receipts or any other form of documentation. They failed to provide to me any valid documentation. The accounts that's reporting to my consumer report are under multiple violations in which Experian must investigate. I have non knowledge of the creditors reporting these accounts nor did I have any prior relationships that would tie this debt to me. I have a right of privacy which was violated. I never gave anyone consent to obtain nor share my personal information with anyone. Experian is reporting multiple addresses in which I only live at one and it's currently on my drivers license. The collections agencies that failed to provide me any documentation continuously call my phone which is a violation and they don't have the proper consent to contact me. Included in this compliant is a copy of my dispute letter with the inaccurate information and accounts that's under multiple violations in which it is Experian 's duty to thoroughly invest and remove anything that's inaccurate and unverifiable. Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Remove all fraudulent and copyright infringement information from credit reports. I do not consent to use of my copyrighted content. Cease and desist.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Dates, Amounts, actions was taken to remove inaccurate information but companies isnt complying Ive sent out XXXX letters to credit bureau and the companys listed on my report. Ally Financial paid in full never late, XXXX paid off never late not reporting accurately, XXXX XXXX isnt my account it was reported as fraud I have police report to prove. XXXX XXXX never late paid in full reporting 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 2024-06-21 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: NC

Complaint narrative:
I would like to dispute the inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I ordered a gift card from American Express in XXXX  ( Order XXXX ) for XXXX dollars. I have been unable to spend it at any store- it is constantly declined both in retail stores and everywhere online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-21 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX I work as an XXXX  with XXXX XXXX On XX/XX/XXXX, I received an email from one of my co-workers who also works with XXXX from her work email to my work email. Because I received this email from my colleague at XXXX, it was legitimate. This email was about an opportunity to join XXXX XXXX XXXX XXXX XXXX XXXX. Contact XXXX XXXX XXXX. His position is Senior ManagerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Text Only ). see the attached. 
XXXX offered me the position on XX/XX/XXXX. The job description was to receive donation checks and use them to purchase supplies for families in need, such as school supplies. These supplies were then to be shipped as per XXXXXXXX XXXX instructions. On XX/XX/XXXX, he sent me a donation check # XXXX for XXXX. I deposited the check into my BOA checking account ( # XXXX ). Please see the attached for more details. 
XXXX On XX/XX/XXXX, XXXX sent me another email, changing the course of the job. Instead of purchasing supplies myself, I was instructed to 'wire transfer ' the donation check I had previously deposited to XXXX XXXXXXXX XXXXXXXX XXXX, XXXX XXXX This company was supposed to purchase supplies for foster homes and shelters and ship them over the weekend. Regrettably, I followed these instructions. Please see the attached for more details. 
XXXX On Monday, XX/XX/XXXX, I felt something was wrong, and I contacted my co-worker, who confirmed this was spam. Of course, the check XXXX sent me for {$2500.00} was bad and bounced the next day. I contacted Bank Of America on XX/XX/XXXX and reported the incident ; see attached. 
When I tried to call XXXX XXXX XXXX  phone # XXXX, the number was not active anymore. 
BOA did not do their job promptly ; I reported this incident on the same day. 
XXXX BOA sent me an update on XX/XX/XXXX that the attempt to recover the funds was not successful. See attached.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXXXXXX sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called XXXX XXXX XXXXXXXX to inform myself on how much longer and they said until " XXXX '' with is 3 years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with XXXX XXXX XXXXXXXX and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, XXXX XXXX  XXXX violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, XXXX XXXX XXXXXXXX has also violated this right of mine

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX Bank of America sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called Bank of America to inform myself on how much longer and they said until " XXXX  '' with is XXXX years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with Bank of America and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, Bank of America violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, Bank of America has also violated this right of mine

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 2024-06-21 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: CA

Complaint narrative:
I obtained my credit report and noticed several inaccuracies. I never consented to these inquiry pulls and its affecting my credit and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NE

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days or the completion of your re-investigation. 
Thank you, 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX ACCOUNT XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days or the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed a Capital One credit card on my credit profile with a balance of {$810.00} with the following account # : XXXX. This credit card does not belong to me and I have never used or have this credit card in position. I have frozen my credit profiles and requested a fraud alert to prevent any potential misuse of my information from reoccurring. I recently was involved in a legal separation proceeding and became aware of some misuse of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NC

Complaint narrative:
I would like to dispute the inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-06-21 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: NC

Complaint narrative:
I would like to dispute the inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation