vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these banks have pulled a hard credit on my XXXX XXXX and XXXX and they didnt get my permission.

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 2023-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
I.Q. Data International has been attempting to collect a debt in the State of New York, which they are not licensed in that state. When I asked for their registration, they refused to supply it despite them stating they are licensed/registered. Upon checking with The State of New York, it does not show anything for them. Furthermore, I have paid them thousands of dollars and they continue to add and accrue interest to the debt despite the fact they will not provide the agreement from the original company, which would allow them to do this. It is come to my understanding, in accordance with State and Federal laws they can not add interest to a debt unless it was stated in the original agreement. Furthermore, they can not attempt to collect a debt in the State of New York unless they are licensed/registered. The account representative, XXXX XXXX, advised me they do not have to provide any documentation or validation pertaining to the debt they are collecting. It is my understanding, it is my right as a consumer to request and obtain proper documentation from the debt collector to not only ensure the debt is mine but more, so they are attempting to collect the proper amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/23, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-10-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Note To Agent Is Notice To Principle Note To Principle Is Note To Agent.!! 

I XXXX XXXX, I am a victim of identity-theft. I am writing to request that you block the following fraudulent account in my file with Experian. This information does not relate to any transactions I made. I have Sent out multiple letters with my concern, telling Experian That I was a victim of identity theft. This recent Letter was received and signed by employee XXXX XXXX here is the tracking number ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023, I also attached a copy of this as well signed receipt. Once again 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 Better Business Bureau, 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 have also reached out to original creditor just to confirm that this XXXX XXXX XXXX XXXX  # XXXX Indeed identity theft, I have attached this Certified mail receipt to XXXX XXXX As Well. I have Made multiple Attempts for Experian to remove this fraudulent account. And feel that I must Take take legal matter. I also 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 application to prevent future Issue. Attached to this document you will see my FTC Report and Prior complaint number from case related to this Fraud Unverfied West Gate resorts. Remove this account at once or neglect my rights as A Consumer and knowingly hinder my financial health.

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 2023-10-05 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.

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 2023-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have asked you to cease and desist all communications regarding this debt, yet you still continue to do so. Your willful non compliance and failure to cease communication is in violation of my rights as a consumer and the FDCPA. You are not allowed to communicate this alleged debt through ANY medium according to the FDCPA. Yet and still, I am still being harassed, harmed and oppressed through your communications. Your actions have CONTINUED to cause me harm even though you have admitted through CFPB that you have received my cease and desist, yet you deceptively stated you had complied. You have also violated my rights and the FDCPA by reporting to an unaffiliated third party. I am FURTHER damaged by your infringement on my right to privacy. You have right to purchase a debt NOT my personal information, yet you continue to furnish it without my previous or present consent. This is extreme abuse and unacceptable. I have attempted to make pitstop and this will be my LAST time before taking FULL legal action against you. I have also disputed BOTH alleged debts multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: AZ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have made repeated ( at least five times in the past 5 years ) requests for the incorrectly reported public record to be investigated and removed. Each time, Experian fails to investigate how the incorrectly reported public record was filed and refuses to both review the letter I provided to them from the court in question, and to provide the method they used to verify the inaccurate record. Specifically, Experian had responded claiming that the entry was placed AND verified by the Court, which is patently false given that the letter from the very same Court clearly states that they did not at any time provide or verify this information. Given that Experian has failed to actually verify the record, at minimum they should have provided the details of how ( the method ) they used to supposedly verify the information. Because they failed to actually do any of this, Experian simply claims the information is verified and to contact the Court with questions ( again, which I did, and received a response in writing that refutes the lies made by Experian ).

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 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi I been loyal to Bank of America over seven to a year now. But now I cant trusted overall I will like to see if there any of over charges, over fee. Past all those years.

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 monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has listed { negative listing } on my Early Warning file. To my knowledge, I have never had account with { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } be permanently removed from my Early Warning report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many address on my report but the only on that should be in there is XXXX XXXX XXXX XXXX XXXX ca XXXX Ive stated several times and made multiple disputes that all other address on my account are fraudulent

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Back on XX/XX/23 I sent a letter to transunion to dispute some items on my credit that i did not agreee with. i have yet to receive any information that my dispute has been processed and this is the second time they have ignored my request.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I set up financial relief payments XXXX of 2023 for two credit cards with Bank Of America. I also provided new banking information during this set up. On the day the two payment should have been taken out, I was informed that they did not go through. BOA used my prior banking info saved from over a year ago instead of the new account info.

I provided the same correct banking info that I previously provided and the payment went through the next day. Day after this, both cards were reported late on my credit report. ( 1st late payment in over a decade due to their error ).

I then called to discuss this. A rep that was very short and rude assisted me. I requested to delete the payment arrangements made and take my billing info out of their system because of this issue.

While this was done, Bank Of America took it upon themselves to close both of my accounts without approval, authorization and did not inform me this would happen whatsoever.

Thanks to Bank of America, my credit tanked and I am now in an irreversible situation all because of 2 reps that 1- used wrong banking info and 2-closed my accounts without ensuring I would be made aware this would happen.

This is not only bad business but internal credit fraud in my opinion. A Bank of America rep should not have the power to affect peoples lives without their consent or acknowledgement like this. In no way shape or form would I have closed my accounts if I knew deleting an arrangement that I requested be set up would close my account. I set up this arrangement to avoid late reporting to credit agencies and did everything correct to avoid this, and that did not work. I have no idea why you can take a payment from a consumer and report them late the next day, as if your systems don't talk to each other.

I have no idea what can be done at this point but I expect a call back from someone and will be escalating this to everyone necessary. Thank you in advance for your help. If this email can avoid another one of your customers lives to not be tampered with unfairly and without their consent, then I will be happy. If my attempt to relay this awful situation to you can help to reprimand the rep that failed your company and me as a customer, again I will be happy to know I've helped someone else before BOA had their chance to destroy their credit and livelihood without concent. 

I am requesting the call before last be reviewed for quality assurance and future BOA rep training. Your reps need to act more professionally with customers and this kind of thing should never happen to someone in need of a little help from 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: FL

Complaint narrative:
Re-aging collection accounts is illegal and prohibited by the Fair Debt Collection Practices Act ( FDCPA ). Re-aging Refers to old practice collection agencies use to change the date when an account first went delinquent. Reporting this information regarding this collection agency practice of unscrupulous actions. Collection agency Vance & Huffman LLC. Account # XXXX and Account # XXXX. 
Origination date opened XX/XX/XXXX According to the Federal Fair Credit Reporting Act ( FCRA ) to report 100 % accuracy. XXXX Acct # XXXX also Acct # XXXX Vance & Huffman Date opened XX/XX/XXXX inaccurate Re-aging the accounts. The ( DOFD ) date accounts become 30 days late with no payment. Also showing these accounts as just becoming opened in XX/XX/XXXX Becoming delinquent the following month XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection. XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, etc. With Fraudulent deception with the attempt to report longer on consumers credit report. in hopes of ruining my credit score. XXXX Report # XXXX this has had damaging effects, I'm reporting all the misdealing 's against all parties involved with the state attorney General office .and demanding that these accounts be Deleted immediately from all three credit bureaus.

Company response to consumer: Closed with explanation