vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted by the Bank of America XXXX team indicating that there was a check being processed through my checking account for {$4700.00} and was it my check? I stated that it was not my check and the fraud team member stated that he would mark it as fraud and my account would be credited for {$4700.00}. This person was a scammer, but I did not know it yet. He states that my debit card was compromised and that he would send me a new one. Meanwhile, there was a phone transfer of {$18000.00} from my XXXX  to my XXXX  account followed by XXXX XXXX XXXX  banking center withdrawals totaling {$16000.00} between XX/XX/XXXX and XXXX. Bank of America is in the process of investigating the theft from my account. Per XX/XX/XXXX, Bank of America have received the video tapes from the banking centers, which are under review.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
There is a collection account reporting to my credit report which lists Integrity Texas Funding as the original creditor of the account XXXX INTEGRITY TEXAS FUNDING LP XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within XXXX  days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
XX/XX/2023 XXXX He gave 2 Hard Inquiry the same day in XXXX and 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 2024-04-22 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: 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 XXXX 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-22 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( cancellation of Debt ) from the following charged XXXX  account listed below. Comenity Bank account number XXXX After checking my most current report the updated information states the account was purchased by XXXX XXXX XXXX, XXXX this account can not be reported as a charge XXXX  on my credit report if the account was sold to another lender. Please send the XXXX form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
On XX/XX/2024 i sent in a dispute letting XXXX, Transunion, and XXXX know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the XXXX  account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid XXXX as agreed and requested that the balance be disputed again for the XXXX time. XXXX opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my Retail Installment Agreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid XXXX  as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXX XXXX XXXX XXXX Involved with this case.

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 2024-04-22 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: OH

Complaint narrative:
On XX/XX/2024 i sent in a dispute letting XXXX, XXXX, and Equifax know that they are reporting the wrong balance on my credit report regarding the account : XXXX XXXX currently on my report. Pursuant to 15 USC 1681 : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. I spoke to a representative named XXXX over the phone to have the Dispute expedited and he assured me they would review my information with in XXXX XXXX hours. Not even XXXX mins later i receive an email saying my dispute has been completed. Yet again the same incorrect balance still reported. I then went ahead and let the company XXXX XXXX XXXX which is the creditor reporting the XXXX account know that the balance they are furnishing to the XXXX XXXX agencies is incorrect and needs to be updated immediately and i also sent the company a cease and desist letter to stop the collection efforts for a debt that had already been satisfied. The company responded back to me on XX/XX/2024 stating that they will no longer report mis information regarding the account in accordance with 16 CFR 313.4 because i am entitled to financial privacy. I then let the XXXX credit reporting agencies know the company XXXX has complied with my request and that the correct balance needs to be updated as paid off as agreed and requested that the balance be disputed again for the XXXX time. XXXX opened up a dispute and within XXXX hours the balance was still the same reporting negatively on my report. I called all XXXX agencies again to try and resolve this issue on XX/XX/2024 once again and opened a XXXX dispute with the company and even providing proof of the XXXX copy filed on my tax return showing that this debt has already been paid off. Pursuant to 16 CFR 433.2 on my Retail Installment Agreement : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. This has been grueling process and has taken a huge toll on my mental health. If the balance on this account is not reported correctly as closed : Paid XXXX  as agreed, i will be pursuing legal action in federal court for willful negligence of reporting false information under the Fair Credit Reporting Act and as well as getting the Internal Revenue Service XXXX XXXX XXXX XXXX Involved with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-22 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize

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 2024-04-22 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX  XXXX  Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. As stated in 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account is being falsely reported as an open account.

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 2024-04-23 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: CT

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
im a victim of identity theft, i have a unauthorized fraudulent inquiry listed on my report, i never gave anyone permission to run my credit.please help me to remove this fraudulent inquiry XXXX XX/XX/XXXX XXXXi have attached my ftc affadavit see encloed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Financial reported delinquent 30 days which I was not.

Company response to consumer: Closed with explanation