vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account.XX/XX/XXXXXXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2023-10-06 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: PA

Complaint narrative:
Dear CFPB, IRS, XXXX, EXPERIAN, XXXX XXXX, XXXX XX/XX/XXXXXXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX. XX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2023-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have had an account with Bank of America since XX/XX/XXXX ( XXXX, Florida ). In the past few months I have experience a number of difficulties with them involving XXXX day delays in failing to take action on items requested. The latest one involves a payment to XXXX XXXX XXXX I tried to make in the amount of {$20000.00} on Monday, XXXX XX/XX/XXXX. Bank of America instructed me they would not be able to make this payment ( my account had MORE then the necessary funds to make it ) until Friday, XXXX XX/XX/XXXX. 
Friday, XXXX XX/XX/XXXX, has come & XXXX is here. Bank of America has failed to make the {$20000.00}. payment although my account is at $ XXXX and there are no outstanding checks being held against it. I have tried to contact Bank of America thru eMail, telephone & thru their website. All attempts have been fruitless. This is another complaint I have against Bank of America. They are extremely difficult to contact. Even when FAXING THEM, it appears they either disregard the fax or never acknowledge getting it, even though my fax machine tells me the transmission was " OK ''. I want Bank of America to become more responsive to my requests and provide me an explanation of WHY they did not make that payment I scheduled to 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 monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
The law group filed a lawsuit against me through XXXX XXXX. I received the lawsuit in the mail and called the number to clarify and ask questions about how this can get resolved outside of court, which the letter suggested. The representative proceeded to try to collect payment from me without answering any of my questions and proceeded to cut me off and hung up the phone. I'm entitled to asking questions given that there is a pending lawsuit and there is nothing in writing that insinuates that the lawsuit will be dropped and debt resolved by paying this law group. They are disrespectful and their practice is unethical. If you want to resolve a lawsuit out of court, you have to provide the terms and make sure the terms are understood PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: KY

Complaint narrative:
Experian, XXXX and XXXX have violated my rights as a federally protected consumer and allowed several XXXX 's to pull Hard Inquiries of my credit report without permissible purpose. Experian, XXXX, XXXX, are in violation of 15 US Code 1681b providing multiple XXXX XXXX a copy of my credit report without my written consent.

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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have called this company three times in the last month. I wanted my balance before my debt was transferred but they failed to send me the information. I paid XXXX XXXX of my own money but the loan that I see doesn't reflect that. I was told I was going to have a XXXX dollar payment from my last loan company XXXX XXXX XXXX They were a great company. Very helpful and answer the phone. but aidevantage said it will be XXXX. Then I went on the SAVE plan and aidvantage said it would change to XXXX. Then aidvantage still charged me XXXX. Please help. It's an hour wait every time I am on the phone and the representatives all tell me different things and they do not know how the repayment plans work. Also my loan keeps going up even though I am paying all the interest plus some of the principle. I work hard and I do pay my debt it's scary to just see it keep going up. Please help. I am currently on hold for 45 mins hopefully they will answer soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Continued unlicensed debt collection and harassment. Barclays is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because Barclays commited fraud which was exposed by the collapse of XXXX and now Barclays is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. Complaint-XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that Barclays in involved in. 

Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.

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 2023-10-07 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: TX

Complaint narrative:
XXXX  account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all XXXX credit reporting bureaus, XXXX, Equifax and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, XXXX, XXXX and Experian and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.

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 2023-10-06 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: USCB Corporation
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has also violated U.S.C 1666B : which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, which requires you to block fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-10-06 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: FL

Complaint narrative:
This issue has been on going and the accounts that are reporting on my credit files do nit belong to me and were a cause from identity theft/fraud. per 15 usc 1681b this is illegal. I did not authorize anyone to furnish any of my information, let alone INCORRECT INFORMATION! I need these to be re investigated the right way. None of the companies were able to prove that these debts were mine and for that they must 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 2023-10-06 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:
This issue has been on going and the accounts that are reporting on my credit files do nit belong to me and were a cause from identity theft/fraud. per 15 usc 1681b this is illegal. I did not authorize anyone to furnish any of my information, let alone INCORRECT INFORMATION! I need these to be re investigated the right way. None of the companies were able to prove that these debts were mine and for that they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 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:
TransUnion has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.

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 2023-10-06 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: PA

Complaint narrative:
Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

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 2023-10-06 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, SOUTHWEST CREDIT SYSTEMS I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. SOUTHWEST CREDIT SYSTEMS has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore SOUTHWEST CREDIT SYSTEMS has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the XXXX XXXX. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IN REFERENCE TO ACCOUNT XXXX XXXX COMPANY REPRESENTATIVE AGREED TO IMMEDIATELY REMOVE AND DELETE ACCOUNT FROM ALL CREDIT REPORTING AGENCIES UPON RECIEPT OF PAYMENT TO THIS ACCOUNT PRESENTLY COMPANY HAS FAILED TO FULFILL ANY OF THE ACCEPTED TERMS OF PAYMENT.

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 2023-10-06 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: BANCO POPULAR DE PUERTO RICO
State: MD

Complaint narrative:
I disputed twice to Banco Popular of Puerto Rico and XXXX that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, XXXX continues to report the foreclosure. Banco Popular reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX  and in XXXX ( 4 years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX XXXX  past due when my last payment was in XXXX.

Company response to consumer: Closed with explanation