vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a Notice of Dispute, Cease & Desist, and Debt Validation letter to Bank of America regarding the auto loan on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The package was sent by certified mail and marked as delivered on XX/XX/XXXX. I gave them 30 days to respond to my letters while still honoring the XXXX XXXX XXXX. They have not responded to my letters and it has now been over 30 days, but have continued to contact me via phone call, email, and mail in an attempt to collect payment regarding this alleged debt. 

I received a letter on XX/XX/XXXX post-dated for XX/XX/XXXX demanding immediate payment within 10 days of the date on the letter along with threats to " exercise the remedies available to Bank of America under the contract or applicable law '' if I did not remit payment. 

At this point they are willfully violating federal laws, my XXXX XXXX XXXX XXXXrder, and causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here are a few federal laws that have been violated thus far : 15 USC 1692D ( 1 ) 15 USC 1692D ( 2 ) 15 USC 1692D ( 5 ) 15 USC 1692F ( 6 ) ( A ) 15 USC 1692G

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX have all violated my federally protected consumer right to privacy and confidentiality by publishing XXXX to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXX floor XXXX XXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX  XXXX XXXX account number XXXX open XX/XX/XXXX amount XXXX {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number ( XXXX ) XXXX. XXXX XXXX XXXX address po box XXXX XXXX SC XXXX phone number ( XXXX ) XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the XXXX inquiries. TransUnion, XXXX and XXXX Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX, TransUnion and XXXX. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer reporting agency XXXX 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 XXXX years. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.

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 2023-01-19 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: CA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT. XXXX, XXXX and Equifax have all violated my federally protected consumer right to privacy and confidentiality by publishing Information to my credit profile without my written consent. As a consumer I am protected from this types of high tech identity theft under 15 USC 1681. The accounts that are illegally on my credit profile are : XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Illinois XXXX phone number ( XXXX ) XXXX Account number XXXX update a XX/XX/XXXX in the amount of {$26000.00}. XXXX XXXX XXXX account number XXXX open XX/XX/XXXX amount mount {$220.00}. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX SC XXXX phone number XXXX XXXX XXXX XXXX XXXX Account number XXXX open XX/XX/XXXX in the amount of {$160.00}. XXXX XXXX Account number XXXX date open XX/XX/XXXX amounts {$470.00}. XXXX XXXX account number XXXX open XX/XX/XXXX amount {$100.00}. The XXXX XXXX XXXX account and the 96 inquiries. XXXX, XXXX and Equifax Have all committed fraud and violated my rights under 15 USC 1681 604a.Section 2. It'states that consumer reporting agencies can not furnish a account without my written instructions. I have not provided my written instructions with my wet signature to XXXX XXXX and Equifax. They are also in violation of section 15 USC 1681c. ( A ) ( 5 ) Section states no customer 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. I have not been convicted of a crime at all. So not only have my rights been violated under these sections, but also I have the right to privacy under sections 15 USC 1681 Section 602a.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXXXXXX I WORK AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/2020, {$1400.00}, XXXX XXXX A.- XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX XXXX {$250.00} MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX 

The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT.

A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE screenshoted so theres no confusion about the accounts, addresses & companies that I am disputing.

DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through Equifax .

The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Started to receive calls in XX/XX/2022 from XXXX with XXXX, Fair Collections & Outsourcing, regarding a debt I have with XXXX XXXX. I let him know that there were some charges I didnt agree with and that I was waiting for them to get in contact with me regarding that before I would pay. 

I finally heard back from XXXX XXXX in XX/XX/2022, and that sabe day I called XXXX back and informed him that I had heard back and we could start setting up arrangements. The amount I told him I could do was {$30.00}. He proceeded to ask, Well do you pay {$30.00} in rent? No, so the company wont accept that and neither will I. I then asked if {$30.00} wasnt acceptable, then what amount would be? He told me, The full amount. Im not going to sit here and argue with you. You have to pay the full amount, no other arrangement is allowed except that. I told him I knew that wasnt true and that I am allowed. He proceeded to say some other stuff and I told him that he was rude, unprofessional, and that would report him for his behavior. 

XX/XX/2022, this collection appeared on my credit. Immediately after I filed a complaint with the XXXX  regarding XXXX behavior. 

In XXXX / XX/XX/2022, someone else from XXXX called me, and she let me know that I could make an arrangement and we went through the options. I asked how I could get this off my credit because it shouldnt have been added due to his misinformation, unprofessionalism, and misrepresentation of debt collection best practices. She told me XXXX has a no removal policy and I would need to reach out to the consumer manager to possibly get this removed. Discussed the situation with XXXX and she sent me an email pdf letter informing me they werent going to remove it. 

There are a few issues here : XXXX ) I wasnt able to setup payments based on my conversation with XXXX and his unprofessional, disrespectful attitude and language. This resulted in the item appearing on my credit. XXXX ) There policy of no removal is unfair for situations such as this were their debt collectors are giving misinformation and wont allow their customers to make arrangements.

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 2023-01-19 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: MI

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I Filed A Dispute With TransUnion Regarding A Inaccurate Account Being Reported On My Credit Report ( File Number XXXX ). On XX/XX/XXXX, I Received Dispute Results From TransUnion Stating That This Account Was Verified As Accurate By Primary Creditor. XX/XX/XXXX, I Wrote A Letter To The Primary Creditor Asking There Process In Verifying This Information With CREDIT BUREAS. On XX/XX/XXXX, The PRIMARY CREDITOR Responded Back Via Mail Stating That They Did Not REPORT OR VERIFY ANY Information With ANY CREDIT BUREAS. On XX/XX/XXXX I Attached Both Letters & Mailed To TransUnion Asking For Deletion Because This Account WAS NOT VERIFIED AND IS INACCURATELY REPORTING ON MY CREDIT REPORT. On XX/XX/XXXX I Received Dispute Results From TransUnion Stating Again This Account Was Verified As Accurate. I Contacted TransUnion Via Phone & Asked How Was It Verified If The Finisher ( Primary Creditor ) Doesnt REPORT TO ANY CREDIT BUREAS INCLUDING TransUnion, & Stated I Sent In FURNISHER Response Letter To Prove That. The Agent Told Me She Did See Both My Letter And The Primary Creditor Response & Had To Transfer Me To Specialist. After I Explained To Specialists She Continued To State REPEATEDLY That The Primary Creditor Verified Information But She Could Not Provide Me Proof Of Verification. 

FAILURE TO VERIFY IS A VIOLATION OF FCRA. TRANSUNION WILLINGLY FAILED TO CONDUCT A REASONABLE REINVESTIGATION AND DELETE THIS ACCOUNT ( File Number XXXX ) AS I REQUESTED.

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 2023-01-19 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: NC

Complaint narrative:
This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX XXXX DELETE THESE FRAUDULENT ACCOUNTS AND ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXXXXXX XXXX {$290.00} XXXXXXXX XXXX XXXXXXXX, {$2900.00} XXXX HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of se

ction 605B of the Fair Credit Reporting Act, which requires you to DELETE 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.

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 2023-01-19 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: MI

Complaint narrative:
I acquired my credit report and asked the credit bureau to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 
I received the investigation results as verified and six XXXX XXXX XXXX accounts remain the same. The consumer agency TransUnion did not do a complete investigation to verify the information as 100 % accurate. 
I am entitled to an 100 % accurate credit report. How is it that XXXX and XXXX was not able to verify the information and deleted the six negative XXXX XXXX XXXX accounts from my credit report but TransUnion could verify. 
I have enclosed documentation proving multiple violations. All reported information regarding XXXX XXXX XXXX accounts are inaccurate on my TransUnion credit profile which is a violation of the Far Credit Reporting Act. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. TransUnion is violating my rights by not doing a complete investigation. 
15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 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 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