vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I have identified information on my report that are a result of identity theft. The reporting of these information are not related to any transactions by me and is a result of identity theft. PLEASE DELETE following items ACCOUNT NAME : XXXX XXXX XXXX XXXX Routing # XXXX Account # XXXX, Identity Theft ACCOUNT NAME : XXXX XXXX Account # XXXX Routing # XXXX, INQUIRIES PLEASE DELETE ... .XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After almost 14 years of being a faithful credit card holder and user with Bank of America, I received a letter abruptly notifying me of my account closure ( see letter attached ). I made numerous attempts to find out the reasons for my account closure and XXXX XXXX XXXX refused to disclose that information to me. I wrote XXXX XXXX XXXX a certified and registered mail letter ( see attached ) as well as at least six emails ( see one attached ), without receiving any response back from XXXX XXXX XXXX. XXXX XXXX XXXX has not credited my account with credit received from XXXX and continues to report the INCORRECT balance on my account, despite emails received from XXXX informing me that they have credited my account ( 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 2023-12-15 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-15 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX, Director, Consumer Financial Protection Bureau Attn XXXX XXXX XXXX Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2023 Rohit Chopra, Director, Consumer Financial Protection Bureau Attn : Rohit Chopra, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 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 2023-12-15 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: TX

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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
Consumer complaint received 2023-12-15 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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

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 2023-12-15 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
My ex wife and I have a consolidated spousal loan from XXXX. We applied for forgiveness in XXXX after meeting the 156 monthly payment threshold. We met all the original criteria and did not need the waiver to qualify. We applied and in XXXX of XXXX my portion of the loan was forgiven. However, another XXXX of my ex wife 's portion remains. The information provided by our prior servicer XXXX was lost in the transfer to Mohela so in XXXX of XXXX we submitted the entire package again to verify my ex-wife 's XXXX since XXXX. Not long after that her employment dates were finally qualified per Mohela the roller coaster ride started. Mohela then told us contradictory information about where our loan was in review. Twice we were told they were complete with the review and her time and our 156 payments met the criteria to forgive the remaining balance. They said they had sent our file to Federal Student Aid for final review. When I inquired with FSA this summer they told me Mohela still had our file. In XXXX we received a response regarding a complaint we filed with XXXX XXXX 's office that Mohela didn't understand why we were applying for PSLF when our loan had been paid off in XXXX. I had to correct them and say no-our loan was consolidated that year. Most recently in a subsequent complaint to XXXX 's XXXX 's office Mohela claimed in their written response which was 95 % form letter and 5 % information unrelated to our needs that they hadn't sent the file to FSA for final review and that they were still reviewing it. I hope it's understandable why we are filing a complaint again about this arcane and inept process for public servants. Now I'm trying to get a mortgage and this XXXX balance is impacting my rate for the loan even though the remaining balance is for my ex-wife. There seems to be no consequences for this poor service by a government contractor let alone their feeble ability to manage our student loan file. I have no hope at at this point after 15 of years of fighting five different servicers over this program. Can you help us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TN

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. Radius Global Solutions # 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 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. In addition to this any authorization verbal, nonverbal, and written. I am now resending this authorization to opt out via 15 USC 6802.

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 2023-12-15 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 writing to formally file a complaint regarding the numerous attempts I have made to rectify and remove fraudulent items on my credit file. Despite my repeated efforts, these unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent items remain on my credit report. 

Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

These fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 

Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent items from my credit report. 

I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
See demand letter Ive attached below.. 

XXXXXXXX XXXX and Columbia debt Recovery are trying to collect false debt, interest rates and more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history.

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 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 explanation