vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process. Nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval from them to do what you do. Here are my demands : I want this agency to provide me with documentation of verified and validated proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 7 calendar days from the date of this submission to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in Arbitration or Litigation in U.S. District Court. Your work hurts people and I will no longer abide by some company who isnt authorized by me to report anything on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX / XXXX. XXXX  XXXX XXXX XXXX XXXX / XXXX /XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my rights . 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
During the pandemic I was living in an apartment complex, and unfortunately like many people I lost my job. I only had a short amount of time left on my lease, and unfortunately I was unable to make my monthly rent payments since I had no income whatsoever. 
Instead of being shady and squatting in the unit waiting for an eviction, I did the right thing and went to the management office and explained my dire situation. We worked out that they will use my last month 's deposit and security deposit and will allow me to clear the unit before the end of the month. By the first of the following month, they had already had the unit occupied by another renter. Meanwhile I was living back home with my parents until I was finally able to get back on my feet and get my own apartment. Imagine my surprise when I am being harrassed now by debt collectors trying to collect now {$7300.00} ( originally they tried to collect {$3200.00} ) from both myself AND my roommate ( XXXX unit both on lease ). At the time of us moving we had only owed 1 months rent and it was paid for with the deposit and last months rent as per the agreement we had. Now with this false collection harming my credit and impacting my credit score so significantly I am unable to move into any apartment building as they are afraid because of this collection account. This is a false collection account and especially this absurd amount. I ask that this be immediately removed from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry XXXX : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, Experian, Equifax ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I recently retired and moved to the XXXX. On XX/XX/2023, while back in the XXXX to complete the sale of my XXXX XXXX, I created a checking account with CitiBank at its XXXX XXXXXXXX XXXX branch in order to be able to make international wire transfers to the XXXX. After the account was created, I notified CitiBank of my travel to XXXX XXXX via CitiBank 's XXXX application. Despite having done this, CitiBank froze my account once I returned to the XXXX on XX/XX/XXXX and started accessing my account via the CitiBank phone app. Numerous attempts/calls to CitiBank 's XXXX department XXXX XXXX CitiBank canceling XXXX account despite being given the identity verification information it requested. There are more details to the situation, but the above is what happened in a nutshell. I attempted to provide CitiBank with multiple other documents/information to verify my identity, but CitiBank 's XXXX department refused to provide any email address or other means of communication, even when requested by the XXXX XXXXXXXX XXXX XXXX office XXXX the XXXX department on my behalf. 

I would like the {$8900.00} balance of my account deposited in my XXXX XXXX  account directly by Citibank. I would have used XXXXXXXX XXXX for the international wire transfers, but was told by XXXX XXXX that I would have to be physically present at a XXXX XXXX  branch in the XXXX to do so. Being in the XXXX, this is not possible. 

I can share many documents/information confirming my identity. Please contact me to advise how this information can be shared. 

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a XXXX XXXX, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they XXXX XXXX XXXX they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to XXXX XXXX XXXX So I really do fear for my lies for they have tried multiple* attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Amount {$7300.00} Account name : XXXX XXXX # XXXX Amount {$2400.00} Account name : XXXX XXXX # XXXX Amount {$3500.00} Account name : XXXX XXXX XXXX # XXXX Amount {$11000.00}, has violated my rights.

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 y
ears.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. XXXX  Days later no response is insane why take of someone who is trying so hard as a XXXX mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is to inform the CFPB that Transunion is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
In the case of XXXX XXXX XXXX account XXXX reporting date XX/XX/XXXX, On XX/XX/XXXX I mailed a certified letter along with 47 pages of the alleged lease agreement which did not bare my signatures. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone tried to open an account using my social security number at bank of America. Shockingly BofA sent an email saying this account can only be opened with a physical ID at a branch and you would think that would be the end of this. 

I called them to inquire about this and they informed me that a flag would be placed on my account to prevent this from happening in the future. On XX/XX/XXXX despite the supposed " flag '' someone did open an account in my name with my social security number. I called bank of America and they told me they closed the account and this will never happen again. On XX/XX/XXXX again Bank of America allowed someone to open an account using my social security number, an address that was not mine and they should have known was not mine because I am an active BofA customer and a name that is not my legal name. On XX/XX/XXXX someone used this account to commit fraud and I was texted about this fraud despite my number not being on this account. ( I believe BofA allowed this fraud to go through because they used my SS number and matched my active account with this fraud account and this exposes a massive security issue ). I called BofA on XX/XX/XXXX to confirm the account was closed and only then did they shut down the account. At the time they claimed that they opened the account based on a XXXX report. This is false on two fronts : XXXX ) According to my XXXX  report they never checked the report XXXX ) The address that was used on the account is not in my XXXX  report. 

It appears that BofA has no ability to stop this fraud from occurring as the fraudster did not even need to receive a physical card because they committed fraud using the virtual card in XXXX XXXX. As long as they cant stop someone from opening an account in my name, fraudsters can continue doing this. 

Additionally, although I have been a BofA customer since XXXX, BofA is communicating with me about this fraud using an email address that is not listed on my account, a name that is not my legal name, and an address that I have not used in 8 years. 


Attachments : XXXX report showing that they didn't check it and the address they used for this account was not there Email showing that account could not be opened without id Emails showing the accounts that were opened emails showing that the debit card was used Text message that came to me about this debit card being restricted. it was not restricted and my number should never have been on this account. 
Screenshot showing my actual accounts

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Getting a fair calculation of a credit score is beyond a major problem, It's inherent racial bias to incorrect data! Data about the current scoring model shows that more than one in five XXXX consumers and one in nine XXXX consumers have FICO scores below XXXX ; meanwhile, one out of every 19 XXXX people are in the sub- XXXX category. 
I certainly found out why that is true. I recently had loans forgiven and also paid down debt totaling nearly {$25000.00}. My score only went up one point. ONE POINT! I called TransUnion on XX/XX/2023 and questioned the score. I was told that they had nothing to do with score calculations and that it is calculated by a computer after it receives certain information. I could hardly believe I was hearing this explanation. 
I was then told I had to work at making my payments on time and my score would raise a little bit at a time each month. I was treated like my score was in the low 500s. I told her that my score was XXXX at Transunion and it's XXXX at XXXX. She was speechless. This certainly proved the scenario that I included in the beginning of this complaint had indeed some truth to it. The agent I spoke with talked to me as if I was another XXXX person with a bad credit score. 
Not only did the agent and supervisor think the 1 point score was fair, they let it sit on may report for 60 days before acknowledging it which purposely delayed the point increase. ONE POINT! In what world is this close to being fair?! 
I am asking for my REAL credit score and for someone to examine the current scoring model that they use each day because it is definitely unfair and biased.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX still showing up on my credit report and they were supposed to be dismissed due to being a 100 % XXXX service connected veteran. One for {$11000.00}, one for {$2000.00}, another for {$5000.00} and one for {$5500.00}. They now show a {$0.00} balance however they are still reporting on my credit bureau and I need them removed asap. I am trying to get my credit scores straightened out so I can utilize my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX phone # 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