vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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:
XXXX XXXX reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that XXXXXXXX XXXX provided that XXXXXXXX XXXX has permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
XXXX XXXX reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that XXXXXXXX XXXX provided that XXXXXXXX XXXX has permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent my third written request to Experian to validate the debt they claim belongs to me. Despite my multiple inquiries, Experian responded by stating that they verified the debt but have not provided the original document containing my signature. 

I have supplied them with my Social Security number, a police report, an FTC report, and proof of my address, yet they have failed to provide the necessary documentation. Under California law, I am entitled to receive proper validation of any debt claimed against me.

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 2024-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Date Of Transaction : XX/XX/year> The Amount Of Money I Paid The Business : {$6500.00} Down Payment, {$24000.00} For The Car What The Business Committed To Provide You : The Sales Agent Told Me The Car Was {$13000.00} What The Nature Of The Dispute : He Lied And Forged Random Stuff On My Contract I told Him I Can Only Afford A XXXX and under car. That Is The ONLY Reason i bought the car. Because it was affordable. And I Just Turned 18. The Only Reason I'm mentioning something this late is because i just got To Look At The Falsified contract they sent me via email a couple months ago because i was wondering why am i still paying on this crap. It makes my blood boil because nobody is trying to believe me or hear me because its a big company. these XXXX real deal make you sign a paper version and forge your info into a virtual document so that way Lawyers cant do to much because they are a fraudulent company. Yall know what yall do to people, i wont stand for it. Just look at XXXX  XXXX XXXX. they did me wrong, signing me up as a minor without my parents present and manipulated me. I'm not trying to threaten no one, but the right amount of word of mouth and the amount of people I'm going to petition to come together and i pledge to continue until the business is gone just like XXXX XXXX XXXX, I'm done playing with people. IM TIRED OF NOT BEING HEARD OR COMPENSATED.

Whether Or Not The Business Has Tried To Resolve The Problem : No They Keep Brushing me off until i be the one to make them file bankruptcy. I'm trying to be nice, XXXX  XXXX XXXX didn't listen, now look at them. this the second time i made a complaint. if this one get bushed off, I'm going full throttle. 

If Issue Involves Advertising, When And Where The Ad Was Seen Or Heard : yes they state the price of the car but that isn't the actual price

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report, which I did not authorize. This is a serious concern as it may negatively impact my financial standing. I request a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX  System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Experian processed my dispute through the XXXX system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 

Experian Response : Experian used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... EXPERIAN MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My account was due to me submitting a fraudulent claim. I am being penalized due to this matter and having my account closed. I have already been a victim not once but now three times due to these fraudulent charges. Closing my account due to them trying to protect themselves in not having to pay back what was used fraudulent is unnecessary to me I've been a valued customer since 2016. This is not right at all and instead of rectifying the situation bank of america is choosing to close my account to benefit themselves. If they deny the claim that is fine I'll reach out to those who can assist in this matter but the closing of my account after being a valued customer is nonsense and I do not agree with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Equifax Credit Reporting Agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX, Acct # XXXX with a balance of {$1400.00}, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX Acct # XXXX with a balance of {$730.00}, both aforementioned accounts have resulted in charge-offs being reported on my consumer XXXX Credit Reports. XXXX other fraudulent accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Acct # XXXX in collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX high balance of {$3200.00}, and XXXX the transportation solution opened on XX/XX/XXXX Acct # XXXX in collections with/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge-offs and collections appearing on my consumer XXXX XXXX XXXX. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the above fraudulent items. I do not recognize the above accounts, collections, charge-offs, or hard inquiries as reported. The above accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US Federal Trade Commission that all the above consumer credit accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Reference Consumer Financial Protection Bureau complaint ID XXXX in which Cash App refused to comply with returning stolen funds from my account. I made ONE LARGE dispute of ALL transactions that were stolen via the phone in 2023. I stayed on the phone for several hours while this dispute was processed. You said you denied it but I got an email last month that you approved it. Yet you only approved {$250.00} of it. There were over {$4000.00} worth of fraudulent transactions. You do not get to deny all of it. Then go back on it and only approve some of it. You are being incredibly indecisive and that is beyond shady. Furthermore, you closed my account and took away my public figure verification when approached about this because your XXXX customer service representative kept copying and pasting and saying that I needed to open a new case when I was asking about an existing case and then because she kept copying and pasting, I told her to stop being lazy and she repeatedly force logged me out of the app. Very unprofessional. Then she took away my blue badge and closed my account. An absolute piece of garbage, as are all your employees because all they do is copy and paste. Its embarrassing. Attached is the email saying you approved the dispute. Now give the rest of the money back and give the account back as you should have in the first place. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX of XXXX, there were 4 open collection accounts posted on my credit report in the amounts of {$2100.00}, {$2000.00}, and {$1700.00} ( XXXX XXXX XXXX  ) and they are currently still there. I notified them of my concern in XXXX via certified mail and they only sent me a final bill that I am unfamiliar with but no contract or application bearing my signature that I've even had an account with these companies. It is my current knowledge that XXXX XXXX XXXX  is currently in the middle of a lawsuit for unethical practices or a data breach. I have also since frozen my accounts with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 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: TOWNE MORTGAGE COMPANY
State: GA

Complaint narrative:
Towne Mortgage  reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX  but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that Towne Mortgage provided that XXXXXXXX XXXX has permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TOWNE MORTGAGE COMPANY
State: GA

Complaint narrative:
XXXX XXXX reported to the credit bureaus that my payments for XXXX and XX/XX/year> as 30 days late. I have not made my payment 30 days late. Also, XXXX Mortgage has increased my payments from the signed contract amount. My mortgage amount is now {$2600.00} which I never agreed to pay. This fee is not a late fee amount. My contract clearly states that my monthly mortgage is {$2400.00}. I should not have to pay any additional amount other than my contract amount unless I am paying a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XX/XX/XXXX - {$280.00} Please block this information from my credit report within four business days, pursuant to Section 605C of 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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy an d privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this
issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation