vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX  XXXX # XXXX Account XXXX  XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX XXXX # XXXX  Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America closed my bank account due to fraud and when I tried to tell them about it in XXXX  the told me that it was nothing I could do

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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, non written, verbal, and non verbal per 15 USC 6802. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

Equifax and XXXX are violating my privacy by releasing my non public information. XXXX agreed not to share my information with non affiliates. Equifax is not the credit reporting agency. The ONLY credit reporting agency recognized by the government is the CFPB and Equifax is not a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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, non written, verbal, and non verbal per 15 USC 6802. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

Equifax and XXXX are violating my privacy by releasing my non public information. XXXX agreed not to share my information with non affiliates. Equifax is not the credit reporting agency. The ONLY credit reporting agency recognized by the government is the CFPB and Equifax is not a credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
This debt collector contacted me on XX/XX/23 via text without any prior notice or consent. Again contacted me via text on XX/XX/23. I replied it is not my debt and has already been disputed with the credit bureaus. They continued to text me and tell me the debt was mine and I legally owed that money. I again told them the debt was not mine. They again proceeded to tell me the debt was mine and I needed to pay it. I replied again stating the debt was not ming and to cease further contact. They didn't even have an opt out option on any of their text, which they are legally required to do. They then proceeded to tell me if I wanted to opt out, I needed to mail a cease and desist letter to the address given. That is not what the law states. Then sent another text saying have a good day. I sent stipulations of the law and told them " I told you it was disputed and the debt is not mine. Please cease and desist all calls, texts, emails, mail, and contact with me immediately. If you even reply to this text, I will assert my legal civil rights. '' They sent another text stating again that if I do not wish to be contacted about a debt I legally owe, to send my cease and desist to the address given.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Alliant Credit Union had promotion offer in XX/XX/2023 on their website to give {$100.00} bonus with requirements. I downloaded the complete offer page and attached it to this complaint to show the original terms for the bonus. It listed three steps to get the bonus. I followed all of the three steps but did not get the bonus. 
The step 3 requirement in the offer says Have a minimum daily balance of {$1000.00} by XX/XX/2023 and maintain that minimum balance through XX/XX/2023. Then, you'll receive your bonus deposit within four to six weeks. 
After I followed the link on the offer page and opened my account on XX/XX/XXXX, I deposited {$1000.00} on XX/XX/2023. I maintained this balance through XX/XX/2023. This should qualify the requirement. However, I did not receive the bonus. When I called Alliant they told me that I did not have average daily balance of {$1000.00} for the whole month of XXXX. I told them this is not the requirement in the offer for the bonus. My understanding for the requirement is that I need to deposit the {$1000.00} before XX/XX/2023 and keep it through the whole month of XXXX. My friends all have the same understanding as mine, and they did the same thing as I did, and they all received their bonus in XXXX. But I did not. 
I made many phone calls for a whole week and talked with several Alliant representatives. I also talked with a supervisor two times. During each phone conversation I was told they would submit to the back office for review. But each time my request was denied by the back office. I have no choice but file this complaint. I have been stressed for more than a week and spent a lot of time on this issue. I am asking for the {$100.00} bonus plus {$300.00} for all the time I spent on this and all the stress I went through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief