vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robert W. Warner & Associates, P.C.
State: MI

Complaint narrative:
ON XX/XX/XXXX I WENT TO XXXX XXXX XXXX XXXX XXXX WARNER LAW FIRM IN XXXX MI AND SPOKE TO XXXX XXXX DIRECTLY TO INFORM HIM OF A DEBT DISPUTE WITH HTSP EXPRESSWAY APTS. THE DEBT FROM XXXX XXXX XXXX  APTS IS SHOWING ON MY CREDIT REPORT AS {$XXXX} OWED. I LIVED THERE UNTIL XX/XX/XXXX AT WHICH POINT I MOVED OUT AFTER MY LEASE EXPIRED IN XX/XX/XXXX. I WAS THERE MONTH TO MONTH AFTER XX/XX/XXXX AND INFORMED THEM THAT I WAS MOVING AND NOT RENEWING MY LEASE. BEFORE I MOVED OUT I TURNED IN KEYS AND SIGNED PAPERWORK. AFTER I MOVED OUT I WAS STILL RECEIVING EMAIL NOTICES THAT RENT WAS DUE. I FIGURED IT WAS A CLERICAL ERROR OR AN AUTOMATED EMAIL BECAUSE I INFORMED THEM THAT I WAS GONE. FROM XXXX XXXX XXXX I CONTINUED TO RECEIVE THESE EMAILS. FINALLY I GOT A BILL FOR {$XXXX IN THE MAIL AND HAVE BEEN DISPUTING IT EVER SINCE.I CONTACTED XXXX  AND THEY TOLD ME THAT XXXX AND XXXX WAS OUT OF BUSINESS AND A NEW COMPANY TOOK OVER. I FOUND THE COMPANY THAT TOOK OVER AND THEY HAD NO KNOWLEDGE OR CORRESPONDENCE ABOUT MY DEBT. I HAD TO CHASE THE DEBT DOWN TO GET ANY INFORMATION. I CONTACTED THE XXXXXXXX XXXX LAW FIRM VIA EMAIL AND PHONE ON MULTIPLE OCCASIONS AND GOT NOTHING BUT AN UNFULFILLED PROMISE TO RETURN MY CALL. THEY NEVER DID. I NEVER RECEIVED ANY CORRESPONDENCE FROM XXXX XXXX  LAW FIRM STATING I OWE A DEBT NOR WAS I EVER EVICTED OR SUMMONED TO COURT. I REQUESTED THEM TO DELETE THE DEBT BUT HE REFUSED. I ALSO SHOWED PROOF THAT I WAS LIVING IN A NEW HOUSE WHEN THEY STATED I OWED RENT AT XXXX. ALL OF THIS PROOF CAN BE SUPPLIED. THIS DEBT, HOWEVER INVALID AND EGREGIOUS, IS CAUSING ME TURMOIL BECAUSE I AM HOMELESS AND UNABLE TO SECURE HOUSING FOR MYSELF OR MY FAMILY. THIS DEBT IS PREVENTING ME FROM BEING A HOMEOWNER AND IS RUINING MY LIFE. ALL I WANT IS EQUAL OPPORTUNITY AND FAIR CONSUMER RIGHTS AS WELL AS FAIR DEBT COLLECTION PRACTICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, XXXX XXXX and EQUIFAX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, EQUIFAX and XXXX are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my XXXX, EQUIFAX, and XXXX report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- EXPERIAN, XXXX XXXX and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. EXPERIAN, XXXX and XXXX are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my EXPERIAN, XXXX, and XXXX report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given EXPERIAN, XXXX, XXXX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: DISCOVER BANK
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. The last complaint was closed and I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. The last complaint was closed and I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.

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 2024-06-03 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: CA

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding these fraudulents accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION XXXX and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my XXXX, XXXX, and TRANSUNION report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My SoFi debit card was lost on XX/XX/XXXX. The following two days after ( XX/XX/XXXX & XX/XX/XXXX ) I was charged {$59.00} in total for two separate unauthorized transactions. One was from XXXX grocery store here in XXXX. Two the second one occurred at XXXX XXXX XXXX XXXX I have been begging for a refund of this exact amount nothing more or less, yet no resolution as of late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-06-03 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: GA

Complaint narrative:
I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the XXXX and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the TransUnion to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the XXXX 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.

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 2024-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the Equifax and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the XXXX to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the Equifax 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
I recently reviewed my credit report and found unverifiable, invalid, inaccurate, and questionable items. These items are not being reported 100 % accurately. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be completely accurate. The accounts listed below are in violation of this requirement. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters I have previously sent regarding this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/year> I received 2 emails from Credit Karma Spend Account Services saying I created a virtual card and that I changed my debit card PIN. I called immediately to let them know it was not me. The representative told me not to worry he would deactivate the virtual card and freeze my account so no further activity could happen. About 30 minutes later my account was cleaned out. {$530.00} was spent on the supposed deactivated virtual card. The next day I disputed the charges. 2 days later I checked the progress of the disputes and it said they were unsuccessful. I called back ( never received a call or email from their fraud department ) and was told they called the merchant and verified the charges were made by someone at my IP address. I asked for copies of the merchant evidence and was told they would reopen the dispute and have a senior fraud investigators contract me. No one has called or provided me with a copy of the evidence they claim to have. I need it to file a police report.

Company response to consumer: Closed with monetary relief