vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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:
XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: CBC Companies, Inc.
State: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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:
XXXX XXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law

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 2024-06-19 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: TX

Complaint narrative:
I submitted a dispute on XX/XX/2024 and Equifax sent me a stall letter rather than investigate my dispute. My information was exposed in the Equifax data breach which my personal information was used. I included my identity theft report and copy of my original dispute and a copy of the stall letter I received from Equifax. Remove all late payments on my consumer report immediately. Below is a copy of my original dispute which went unanswered which is a failure to Process Dispute and Violation of my FCRA Rights.

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  RE : XXXX XXXX XXXX ( XXXX XXXX ) Last XXXX numbers of the XXXX Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXX  ( XXXX XXXX  ) : Last XXXX numbers of the XXXX XXXX  is XXXX, {$69000.00} Charged off ( C/O ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Called Dealership and Bank numerous times with no assistance. Dealership advised they will look into issue for a resolution, car stopped working was sold a car and a year later car needs major repair that is expensive.

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 2024-06-19 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:
XXXX XXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a debt claim made against me. XXXX XXXX XXXX ' email dated XX/XX/XXXX, at XXXX XXXX CT, referenced an alleged debt of {$390.00} purportedly incurred on XX/XX/XXXX. 

I assert that this claim is erroneous. This matter was previously settled with XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) and adjudicated by the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID : XXXX, dated XX/XX/XXXX. As per the resolution provided by XXXX in response to this complaint, it was concluded that, " On the strength of the documentation provided, we have ordered the account deleted from the credit bureaus. '' Enclosed with this communication, you will find copies of the relevant CFPB complaint and the formal response from XXXX, which substantiates the resolution of this matter and the directive to delete the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: GA

Complaint narrative:
On about XX/XX/XXXX, I contacted Transunion regarding an account ( XXXX XXXX  ) reporting to my report that was not mine. The account belongs to a relative with the same name... Im XXXX XXXX, XXXX and the account belongs to XXXX XXXX, XXXX As of today they still have not contacted me regarding this error and this erroneous information still remains on my report. 
In addition the XXXX XXXX XXXX XXXX  also does not belong to me. Also, XXXX XXXX XXXX account XXXX XXXX and account # XXXX should be remove because I am not responsible for the account, it does not belong to me either.

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 2024-06-19 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: FL

Complaint narrative:
I been requesting an update and correction of inaccurate personal information on my credit report from EXPERIAN ( Name, address ), Upon reviewing my credit report, I am still noticing several discrepancies regarding my personal details that need immediate correction. Since XX/XX/year>, I have sent letters and called Experian regarding an alleged address that is listed on my credit file, I just want to know why? I provided them all documents showing that the alleged address is not mine SOMEONE NEED TO DO THEY JOB because it's been more than 30 DAYS, per 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure MAXIMUM possible accuracy of the information contained in consumer reports. If you find that the information can not be verified, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) mandates that you DELETE the information from my credit report. I have attached 2 FTC reports and letters where I received my mail TO SHOW PROOF regarding these matters.

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 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
Pro com services of Illinois repeatedly kept calling me at all hours of the day and night. It got so bad that I had to change my phone number. I am tired of the harassment. Additionally medical debt is no longer supposed to be on a credit report for more than 12 months in illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX, I received an email saying that a Credit Inquiry was blocked from XXXX Report. 

A hard inquiry was blocked on XX/XX/XXXX because your XXXX report is frozen. If this doesn't look familiar, it could mean someone tried to open an account in your name. 

Did you apply for something? 
From : FEB/DESTINY Type : Commercial Banks  Contact : XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX On XX/XX/XXXX I received another email from Destiny XXXX XXXX titled " RE : Destiny XXXX Application ID # XXXX '' from Concora Credit Inc. services ... I've never applied for this and believe someone is trying to open up Credit Cards under my name...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TN

Complaint narrative:
This account was paid off XXXX  2024. Since then XXXX, TransUnion and XXXX has updated the account as charged off for the month of XXXX  2024. 
They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this 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 non-monetary relief
Consumer complaint received 2024-06-19 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:
This account was paid off XXXX 2024. Since then Equifax, XXXX  and XXXX has updated the account as charged off for the month of XXXX 2024.

They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Experian, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account 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 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX of XXXX I had to have an emergency XXXX XXXXXXXX after cracking my tooth months prior said XXXX in the middle of the Covid pandemic when I was unable to go to the dentist as the world was shut down. As I was unemployed at that point for over a year, I was forced to choose between taking a loan through comenity capital bank or suffer from what my doctor explained to me could rapidly turn into a life threatening condition. I was in a tremendous amount of pain when I signed up for this loan, and did not realize that it would eventually lead to me paying more than I initially borrowed on top of being harassed by a debt collector with a minimum of 20 phone calls per day, every day, all from different numbers, and when politely asked to stop harassing me every 15 minutes daily, that it would not stop. At this point Ive paid more than what I owed, and somehow my balance is higher now than the original amount i borrowed to have an XXXX XXXX PROCEDURE. I just got off the phone with them XXXX minutes ago and as I type this brief summary of my complaint, Ive received XXXX more phone calls. This is illegal, this is harassment and its abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
they put you through to many hoops they are not satisfied with that your info. 
is correct they want a mailed copy of drivers license and you can't speak to a live person i am XXXX XXXX XXXX and am not very good on computers. 
they bombard you with offers to buy other services instead of helping you to monitor your account and protect yourself this isn't fair to the consumer who is just trying to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Covid-19 pandemic unemployment insurance with bank of America I was informed by the IRS a claim was filed in my name of {$19000.00} from California my identity was stolen .this matter has been disappointing all this time I could not file for unemployment because someone has use my information already. Time after time I can remember trying to get through to unemployment but later learn by the IRS {$19000.00} has been stolen from me.Bank of America was just giving anyone money I know some banks want ss card I'd card and a second debit card with a proof of address.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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, 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 non-monetary relief