vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem

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 2023-09-11 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: NC

Complaint narrative:
I, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent toreport anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports 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 instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion Bank / credit card inquiry XX/XX/XXXX SOURCE ; experian Bank XXXX credit card XXXX XXXX XXXX XX/XX/XXXX SOURCE Experian XXXX : Personal Loan company XX/XX/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 2023-09-11 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: TX

Complaint narrative:
I've examined my credit report and noticed several unauthorized accounts listed. Please find the details in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
My account was bought or transferred from XXXX  to RAS LaVrar Law Offices in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at RAS LAVAR, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between RasLaVrar and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. RasLaVar bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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:
This hard inquiries doesn't belong to me : 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 2023-09-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX  ( Report Number : XXXX ) I told the credit bureaus to " investigate every piece of information '' on the account I have disputed. 

According to the FRCA The term " investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. 
If they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 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 2023-09-11 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:
there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-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 resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 INSTRUCTIONS 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES IMMEDIATELY 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 FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process 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 2023-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX provided services to XXXX XXXX. She is my daughter, BUT I have absolutely NO Custodial rights to her at all! Her mom did and she signed those over to my mother, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, NH, in XXXX of XXXX. I have had little to no contact with them for years. We do not talk, even more so now since this issue. XXXX was here on vacation visiting when we had to call for services. I called my mom prior to XXXX and she said to call them, which means she authorized the charges, not me! When the XXXX  was called, I gave them all of XXXX 's medical cards and insurance information. That information included all of her legal guardians contact information. Everything was billed properly except the ambulance bill. They said they tried billing NH Medicaid, which is what she had, and they denied payment because it was out of state. They then called her legal guardian, XXXX XXXX, to which they left numerous messages and got no returned call. After they got no where with her, they took it upon themselves to bill me, as my house was where the call was from and we had the same last name. When I spoke to the company, the manager was very misogynistic and said I needed to man up and pay the bill. They said they tried calling every number in NH and no one would call them back. That's why I'm being billed. That's not how the law works! But they refuse to remove this bill from my credit report. It is fraud, they admitted it was fraud and they still confirm the account when disputed through all credit bureaus. I need this account removed Immediately. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: MN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX 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 : 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 explanation
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I used the respective websites of the three credit reporting agencies to place a temporary lift on the credit freezes I had on my account in order to apply for a credit card. After my application was approved, I wanted to reinstate the freeze before the temporary lift expired ( for security purposes, of course ). The XXXX website allows you to reinstate the freeze immediately, in about 30 seconds, i.e. about the time it takes to logon plus a few clicks of the mouse. 

However, if an individual has placed a temporary lift of a credit freeze with Equifax, Equifax does not allow one to reinstate the freeze using the website. One has to call Equifax and then this has to be done by an actual customer service agent- this took me almost 20 minutes today ( XX/XX/2023 )!! 

I find it rather ironic that Equifax, the company whose lax security forced all of us to put freezes on our credit reports, makes it so difficult for customers to refreeze their credit reports, when they were the ones that caused us all these problems in the first place!! Please do what you can to have them fix this. 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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, XXXX XXXX was attempting purchase a home for my and my children. This when I realized there are severe damages to my credit report. According to the 15 USC 1681 law there should not be any damages on my report. This is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I feel the CFPB needs to look into the new tactic being used by credit card companies to directly impact consumer credit reports. Companies are arbitrarily reducing credit limits to just about the current balance, resulting in a dramatic jump in credit usage %. Then on the letters that are sent out as explanation of the adviser action, they can not specifically answer which factors/items from the credit report relate to the reasons. This acts adversely on a consumers credit score, when they usage goes from 32 % to 82 % overnight, without any fault/action of their own. When I recent ; y inquired to CITI Bank as to why for the 2nd time in a year they reduced my credit limit, I was advised to see the notice in my document center. Which I located and then asked for the specific factors that related to the 4 reasons listed. I continued to receive answers of if there was an issue with my credit report, I needed to contact them for why. So I read the document that said the decision was made by CITI and not the credit bureau and to contact CITI with questions. Even after 3 customer service reps and an hour of my time I got no serious/real answer other than that they could. Which by the terms they can, change it at any time. However I feel they are abusing the ability to do so, to manipulate consumer credit scores and charge the highest rate allow, due to the resulting score decrease. This behavior on their part is generating massive revenues for the credit card companies and costing already strapped consumers massive amounts of money. 
Reasons were : Length of credit history ( I have had credit card with Citi/Home Depot alone for 3 years ) Payment pattern on account, I have never been late, payment made early or on time for 3 years. 

Number of recent credit inquires. When I went on XXXX it showed 9 inquires over 2 years. 

CIT is not the only company using such tactics, XXXX engages in the same actions.

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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NV

Complaint narrative:
Complaint Title/Subject : Fraudulent cashing at BNY MELLON in XXXX, MA on XX/XX/2022 of XXXX Charitable Check # XXXX, pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX. 

I'm the grantor of the said XXXX Charitable Account. I requested XXXX XXXX to mail a {$500.00} donation check to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX The XXXX XXXXXXXX XXXX XXXX XXXX  never got the check. 

A scammer or fraudster stole the above-mentioned check, endorsed it and deposited it to BNY MELLON in XXXX, MA as evidenced by the fake endorsement on the back of the check that XXXX Investments showed me as proof of encashment. 

BNY MELLON in XXXX, MA should have never encashed the check and should return to my account at XXXX Charitable the {$500.00}. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My mailbox was brocken into and my personal info was used to oprn several accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I booked three airline tickets for {$700.00} on XX/XX/2022 by XXXX XXXX for a segment in XXXX XXXX on XXXX using PayPal credit, but cancelled within 24 hours after finding that we can not complete the trip. XXXX XXXX as with all US carriers has full refund policy within 24 hours of cancellation. I informed PayPal Credit administered by Synchrony Bank of the situation right away, and several times later after they continued to bill me. I called XXXX, who refused to work with me, saying that they only deal with the credit card company since I disputed the charge. After so many months they still can not resolve the issue and continued to bill me and reported to the credit agency. Each time I called, the phone handlers at both XXXX and Synchrony Bank told me a different story. Such incompetence.

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