vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
Collection account : 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 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 XXXXXX/XX/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 2023-06-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
12 inquiries on my credit report that I did not authorized need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on 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 non-monetary relief
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
Experian credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud  on your account. I called XXXX XXXX XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX XXXXXXXX and XXXX XXXX  which has made almost 30 hard and soft inquiries. XXXX with Experian also has posted un requested inquiries. XXXX does not accept banks that are not national, Experian sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. Experian, XXXX, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.

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 2023-06-19 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent for my credit report to be sent to anyone agency

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 2023-06-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Request for Removal of Fraudulent Credit Remarks File Number : XXXX Date Created : XX/XX/2023 Dear Transunion Credit Agency, I am writing to bring to your attention a persistent issue regarding my personal credit report. I have made multiple requests through investigations and disputes to have the following credit remarks removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts, these remarks have not been fully removed from my credit report. I have taken the necessary steps to rectify this situation, including sending multiple certified letters, but have not received a satisfactory resolution. I strongly believe these remarks are fraudulent and, therefore, request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( B ), I wish to remind you of the provisions outlined. This section states that if a consumer notifies a furnisher that they dispute the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute. 
Therefore, I kindly request that you take immediate action to remove the aforementioned credit remarks from my personal credit report in accordance with Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act. 
It is crucial to rectify this matter promptly to ensure the accuracy and integrity of my credit history. I expect that you will act in accordance with the guidelines outlined in the Fair Credit Reporting Act to address this issue appropriately. 
Please inform me in writing of the actions taken to remove these fraudulent remarks from my credit report within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act. 
I appreciate your attention to this matter and your prompt resolution of the issue. I trust that you will adhere to the provisions outlined in Section 623 of the Fair Credit Reporting Act to ensure my rights as a consumer are protected.

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 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
Mother passedXX/XX/2021. Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. I want the record to show that Dunlap Gardiners refusal to comply with 15 U.S. Code 1692g is an infringement upon me exercising my right to assess and validate this alleged debt. Dunlap Gardiners refusal to comply is their admittance that this alleged contractual agreement, alleged instrument of indebtedness is nonexistent, and this alleged agreement is deceitful and fraudulent as the referenced Declaration of Covenants does not bare my intellectual property, neither did it involve me as a party in agreement to this alleged contract. Without these important elements, no such lawful enforceable contract exists. Lastly, I want the records to show that Dunlap Gardiners and its clients abusive and deceptive debt collection practices are willful as theyve admitted to the alleged contract being unscrupulous numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
These inquires are unauthorized and they are not related to any transaction by me : Equifax : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have been continuously reaching out to these companies for over the span of a month notify them of the inaccuracies on my report, asking if they can be updated and removed. these companies told me that they could not update nor could they remove these inaccuracies accuracies. I asked if these please be removed from my credit report and update it immediately. 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 2023-06-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Good afternoon, Capital One account ending in XXXX {$1800.00} Registered Securities were sent and account paid in full. 

15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX XXXX : {XXXX XXXX XXXX XXXX Has taken my credit score below average and affecting a lot.

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 2023-06-19 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: IL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
When i opened my Macy 's XXXX in XXXX of 2022 for special interests rate. 
When i got my first bill which was early XXXX and was due on the XXXX of every month I tried to register my card online. On doing so I couldn't register my CC where i called MACY 's XXXX and got no help, they said to order another card. I made them aware that my payment is due where I shouldn't have to order a new card for this issue that there was a problem with their website. I got no where with them letting them know i couldn't make a payment. This went on for another 2 months with the same issue also they failed to document their system that i called about this issue. So in XXXX I called and spoke to a manager to get the late and interest fees taken off where they wouldn't do it because i haven't make a payment. I explained to the manager my issue and told i called several times explaining my issue but to no avail he wouldn't help me. I was able to finally add my CC to their website and was able to make a payment. On top of that being called several time a month by their CS harassing me about a payment where i told person my situation and they were no help. I keep getting harassing phone calls and i was making payment but just enough to where i was only going to paying what i owe which was {$200.00}. I then call their CS again at the begging of this month to get help which i didn't get explaining to them i was only going to pay what I owe and that i wasn't going to pay any interest or late fees. So as of today Macy 's is still harassing me with hitting my credit score where i was over 750 and with this XXXX i'm getting from them my score has dropped well over 100 points for them no helping me. They keep damaging my credit score constantly which i call harassment. To this date I have paid my {$200.00} bill from XXXX but their still wanting me to pay interest and late fees where I WILL NOT pay those due to their no CS plus be harassed. 
PLEASE HELP, stop them from hitting my credit and remove them 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 monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an account with Bank of America, it was hacked during the weekend of XXXX XXXX, 2023 and lost {$26000.00}, half of my savings. The transaction was done to a 'Bank of America XXXX XXXX XXXX whose number ends with XXXX '. The card number does not belong to my account. 

I have talked to couple of agents, they confirmed that after I changed my passwords, someone was trying to access my account through the old password. They also provided me records showing an I.P. address of XXXX, Kansas, was used to login while I resided in The XXXX, Texas during the time of hack. 

I did not receive any notifications or alerts that half of my savings were being transferred to a bank of America card which did not belong to my profile. I only received one email saying that a payee was added, but I did not see it on time. 

During the time, when I was complaining to Bank of America, another fraudulent transaction of {$5200.00} happened on my credit card, where money was transferred to an account ending in XXXX '. The amount was credited back but I am confused why wasn't the same adjudication applied to my savings account. 

Bank of America says that my own device was used to make the transactions, which maybe true as my PC was hacked. But when someone looses almost 50 % of their savings to a business card not belonging to them raises suspicion. 

The bank has also not provided me any timestamps of the fraudulent transactions I need help from CFPB on 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 monetary relief
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief