vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
I am writing a formal complaint with the Consumer Financial Protection Bureau regarding the unauthorized sharing of my non-public information by XXXX XXXX XXXX XXXX to non-affiliated third parties, specifically the consumer agency Experian. 

On XX/XX/year> I notified XXXX XXXXXXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

This unauthorized sharing of my non-pubic information not only violated my privacy rights but also demonstrated a blatant disregard for the laws and regulations set forth by the XXXX. It is imperative that Experian complies with the legal framework established to protect consumers privacy and confidentiality.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NJ

Complaint narrative:
Dispute Letter to Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Fair Debt Collection Practices Act ( FDCPA ) Violation by [ Collection Agency Name ] Dear CFPB, I am writing to file a complaint against LJ Ross Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
Account Details : Account Name : XXXX XXXX Date of Last Payment : no payment ( statute of limitations in New Jersey ) Nature of Complaint : LJ Ross Associates has placed a collection account on my credit report without following the proper procedures outlined in the FDCPA. Specifically, they have violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : I have not received any written validation notice detailing the debt and my rights to dispute it.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a chance to dispute the validity of the debt before it was reported to a credit reporting agency.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : The collection agency has furnished an account to a credit reporting agency without providing the required disclosures by law.

These actions by LJ Ross associates constitute a violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means.

Request for Relief : I request that the CFPB investigate this matter and take appropriate action against LJ Ross Associates. This action should include : A requirement for LJ Ross Associates to remove the negative information from my credit report.

A requirement for LJ Ross Associates to cease all communication regarding this debt until they comply with the FDCPA.

I have attached copies of any relevant documentation, such as communications from the collection agency or my credit report ( with the disputed information highlighted ).

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX Enclosures : Communications from Collection Agency Credit Report ( with disputed information ) Collections : L J ROSS ASSOC Details Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Amount Owed {$1200.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MI

Complaint narrative:
My mother passed on XX/XX/XXXX. In XXXX I notified her creditors of her passing. As she was poor and lived in government housing, she had no estate per State of Michigan law. Starting on XX/XX/XXXX, I started receiving phone calls from different XXXX numbers. This company does not identify themselves. Instead they list the last 4 digits of a credit card. I verified the account is not mine but my deceased mothers. I told the agent on Monday, XX/XX/XXXX that this was not my debt as I dont currently owe any creditors. I asked them to remove my telephone from that account. I was told they would. They have called me everyday since except Sundays. When I call back the number that calls me, they claim my number is not on the account. I have asked them 6 times to stop calling me. They continue to do so daily. I have also confirmed they do know I am not the owner of the account. They did once call me from the US Bank phone number which is how I was able to identify them. They are harassing me into paying debts I do not know. As my mother and I have not lived together in XXXX  years, they illegally obtained my telephone number. I have never co-signed my mothers credit cards nor was I an authorized buyer.

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 2024-03-06 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: FL

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX XXXX # ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ACCOUNT XXXX XXXX no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
THIS CASE OF # XXXX FILED IN XXXX COUNTY WAS SETTLED AND DISMISSED FOR THE TOTAL AMOUNT OF {$5300.00} AND NO FURTHER COSTS TO MY SELF OR BANK OF AMERICA. JUDGE SIGNED OFF ON XXXX XXXXTHE REASON IT WAS SETTLED IS BECAUSE OF FRAUD CHARGES ON THE ACCOUNT. THE SETTLEMENT FOR {$5300.00} WHICH WAS PAID WITH A MONEY ORDER # XXXX WAS FOR FULL SETTLEMENT PAYMENT IN FULL. NOW BANK OF AMERICA PUTS ON MY CREDIT REPORT THAT I STILL OWE THEM {$2600.00} AND I WANT THIS TAKEN OFF THE REPORT SINCE IT WAS PAID IN FULL PER OUR AGREEMENT DUE TO FRAUD CHARGES ON THE ACCOUNT. AND I DO NOT OWE THEM ANYTHING. 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
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-05 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2022. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CO

Complaint narrative:
A fraudulent request of my report and activity was done by XXXX  and as a result of identity theft, an unofficial account now shows on my credit report, only from Experian. I have followed the dispute process with both companies with proof of the fraud, but no action has been taken, in violation of 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 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After my identity was stollen and and credit card was opened in my name a charge/purchase in the amount of {$620.00} was a made without my consent. This transaction was reported as a fraudulent transaction in 8 different times by me and was never credited my Macys credit card bank. I am making all necessary minimum payments at the moment to not effect my credit report.

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 2024-03-05 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding these unauthorized and fraudulent inquiries that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello there and great afternoon ladies and gentlemen coming by to report an unexpected issue concerning that of my identity being stolen and the high alerting amount of fraud " low money payment wages " I had experienced while getting Social Security Benefits with the Social Security Administration. This constant harassment by local XXXX XXXX has now placed a burden within my financial stability in example " Clothing, Shelter, food, and vehicle transportation " This sort of abuse also came with several arising conflicts " identity theft victim " as I started maturing within my independence, including that of several failed approaches while running my credit looking for apartment homes, cell phone companies, attempts buying vehicles due to not being approved for a vehicle due to none approval reports, and also noticing a slow increase and none credited XXXX  credit line and credit score. I would love to ask for some help in possibly investigating this problem I have been experiencing for several years now and do wish to receive a report including the names and individuals whom abused accessible responsibilities in the past.

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 2024-03-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I obtained a loan through Credit Acceptance Corporation for a vehicle, that included a Vehicle Service Contract and GAP insurance products I was told I HAD to accept in order to get the loan approval. During ownership, the Service Contract didn't cover items that were specifically listed as benefits of the product such as roadside assistance, and the GAP insurance product didn't cover the outstanding balance after the vehicle was a total loss with my insurance claim payment. While waiting for the insurance company to finalize the claim, Credit Acceptance Corporation called me with an offer to pay the loan in full and even required a deposit payment from me to " lock in the agreement ''. Upon receiving the insurance check from my claim, the amount previously agreed upon changed to the original amount, which was okay with me because of the GAP coverage I purchased when I got the vehicle. I never missed a payment, never had a lapse in insurance coverage, and yet after the insurance claim and GAP coverage, I am still being pursued for almost {$2000.00}. Furthermore, my credit history shows significant late payments, damaging my ability to purchase another vehicle. After several attempts to contact Credit Acceptance Corporation to be furnished with the documents I have requested and after pleading for them to correct my credit history, I don't know what else to do except seel assistance with this matter. What's more is the fact that I put a significant amount of money down at the time of purchase, however I borrowed substantially more than the vehicle originally cost because of an undisclosed " loan origination fee '' I never agreed to nor was I made aware in the breakdown of charges. I have been deceived the entire time, blatantly lied to, taken advantage of, forced to purchase products that are useless, and now I'm being damaged by incorrectly reported information from Credit Acceptance Corporation. Please advise

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 2024-03-05 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: GA

Complaint narrative:
The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : 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 2024-03-05 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
FOX COLLECTION CENTER did not address the issues in the previous complaint filed against them. There were no documents received from FOX COLLECTION CENTER. FOX COLLECTION CENTER stated " Our client has verified that this debt is valid and due. We have marked the account as disputed. '' This response is does not address the violation brought forth in the initial complaint. It is vague and they are expecting me to just go along with an answer like that. I have reason to believe FOX COLLECTION CENTER is avoiding accountability. This collection company is behaving passively regarding my complaint. Did not address the violations directly. It is obvious FOX COLLECTION CENTER is violating the FDCPA and FCRA. I did not receive any documents from this company, they are damaging my reputation and character, and they are not licensed to collect in Tennessee where I reside. I want this account removed. They have no legal right to collect debt in this state because Tennessee requires debt collectors to have licenses to collect. I have already proven that. They are practicing illegal unconstitutional behaviors. It is abusive and causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

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