vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing this letter to bring to your immediate attention a serious violation of the Fair Credit Reporting Act ( FCRA ) committed by Bank of America ( BoA ), specifically regarding the furnishing of a credit report to consumer reporting agencies that contains transactions and experiences, which includes a reported balance, available credit, high credit, credit limit, balance, and highest balance. I, as a consumer, adamantly assert that such actions of furnishing negative information is causing substantial economic harm to myself and my household. As a result, I have suffered various harms, including the denial of new credit and increases in lines of credit. This invasion of my privacy has caused reputational, emotional, physical, and economic harm. 

I wrote a notarized letter to Bank of America on XXXX XXXX via certified mail [ # XXXX ], which was received on XX/XX/year> at XXXXXXXX XXXX concerning this issue. I referred to 15 U.S. Code 1681b ( f ) and requested their general or specific certification pursuant to Rule 1002, as required by 15 U.S. Code 1681e ( a ) to furnish information on my consumer reports. Additionally, I requested that Bank of America provides me with the tracking number and certified mail receipt of the notice of negative information that was to be provided to me, in writing, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) within the timeframe established by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ), prior to Bank of America furnishing any negative information on my consumer reports, also pursuant Rule 1002. 

To date, I have not received any of these documents. Failure to provide this documentation is an indication that Bank of America has violated 15 U.S. Code 1681e ( a ) and 15 U.S. Code 1681b ( f ). This would also indicate that 15 U.S. Code 1681q is applicable, which is tantamount to 18 U.S.C. 1028A. Under this provision, Bank of America is liable for damages pursuant 15 U.S.C. 1681n ( a ) ( 1 ) ( B ). 


References : Case Law : section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) 12 CFR Part 1022 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A

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 2024-08-06 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: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX inquiry has appeared on my TransUnion report. This inquiry should be removed due to not having an open account with this business and is appearing on my personal credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/year> I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/year> I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of metro 2 data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/year> I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).

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 2024-08-06 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: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-06 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act Convergent, Account name XXXX XXXX XXXX, Account # 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 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 2024-08-06 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: PA

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 XXXX per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
Sequium Asset Solutoins put a collection notice from XXXX XXXX XXXX mobility on my credit reports. First it appeared on my XXXX report. It caused my rating to drop XXXX points. I filed a dispute with XXXX after calling XXXX XXXX XXXX and being told that I have a {$0.00} balance. A couple days later, my XXXX score went back up and the collection was removed from that report. I checked yesterday XX/XX/year> and now the same notice appears on my XXXX report... I do not owe XXXX XXXX  XXXX anything. I haven't even had XXXX XXXX XXXX XXXX for years. And I am not able to contact anyone from Sequium.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts 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 ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account Thank you for your prompt attention to this matter. I expect a response within the 30 days allowed under the FCRA. Also, please remove the EXTENDED FRAUD ALERT from my profile. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was fully aware of being a victim of identity theft around XXXX of XXXX an until today i am having issues with reporting agencies removing this accounts from my credit report. I can never verify my identity any where. I am not able to do anything when it comes to credit. i have sent certified mail 3 times within the last years verifying my identify and other documentations.

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi there, I had over XXXX unauthorized transactions relating to my cash app linked to my bank account. When I contacted my bank last week on Wednesday ( XX/XX/year> ) regarding those transactions I was told that I had to wait a few days for my provisional credit. Fast forward to today I was called by my bank and was told I was denied because there wasnt enough evidence provided for my transactions. 

I did note to them that I had a few people over at my apartment and they XXXX had access although I have XXXX proof because it has happened over time. XXXX have been my XXXX girlfriend. I also asked if my XXXX  may have been compromised. 

I made a claim with cashapp the same day I made a claim with my bank. 

What is the best way to move from this?

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 2024-08-06 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. I have previously requested verification of this account through a purchase agreement, but I have not received a satisfactory response. The account in question contains fraudulent information that does not pertain to any transactions or agreements I have made.

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 2024-08-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. I have previously requested verification of this account through a purchase agreement, but I have not received a satisfactory response. The account in question contains fraudulent information that does not pertain to any transactions or agreements I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I am a victim of identity theft. I kindly request that you block and delete the listed accounts and inquiries from my credit report IMMEDIATELY. Pursuant to Section 605C of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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:
on XX/XX/XXXX i made multiple phone calls to Transunion. the first 3 agents took my information and hung up on me. then XXXX refused to transfer my call to a supervisor. ive called XXXX more times since XXXX who was very rude and unprofessional. transunion is hiring customer service agents who do not follow FCRA guidelines on disputes over the phone. these agents are not qualified or informed that they are violating FCRA by refusing escalations and disputing unauthorized information. According to the FCRA un authorized inquires should be removed immediately. 2 unauthorized inquires from XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion is making up its own regulations not compliant with FCRA.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to Columbia Debt Recovery LLC DBA Genesis requesting a contract with my signature on it along with an itemized list of charges for the balance attempted to being collected. 

I also stated if I did not receive anything within 10 days, I would deem this debt to be invalid. Also, I requested any negative information being reported to the credit bureaus be immediately removed or I retain my rights to file a lawsuit against them for financial harm being done do my family. 

I again sent another letter on XX/XX/XXXX. Both letters have not been responded to or the negative reporting been removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MI

Complaint narrative:
XXXX - Account number:XXXX This account does not belong to me. Please provide the description of the procedure of the investigation used to verify this account if you cant please update this account immediately. 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I would like to know what you verified because both XXXX and XXXX both agreed that this isn't my account and should be removed. Please provide me with the proof of verification method or please remove immediately.

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