vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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:
This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. XXXX, Equifax, XXXX both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : XXXX XXXX XXXX ( reporting on XXXX ) and XXXX XXXX ( reporting on all 3 bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items XXXX XXXX XXXX XXXX XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. Experian, XXXX, XXXX both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : XXXX XXXX XXXX ( reporting on XXXX ) and XXXX XXXX  ( reporting on all 3 bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items XXXX XXXX XXXX XXXX XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report I noticed some inaccurate information on my credit profile.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: IL

Complaint narrative:
There is an unauthorized inquiry on my XXXX XXXX credit report from US Bank. I have attempted to have this corrected with both XXXX XXXX and US Bank to no avail. XXXX XXXX continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. US Bank is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed immediately

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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/2023. As the attached pdf below ( VALIDATION OF DEBT XXXX  ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of America. I am demanding that Bank of American give me my application due to me not receiving the credit for my personal, family and household use. Bank of America has a duty to keep my application on file for no less than one year. Bank of American has discouraged me from ever applying for credit due to Bank of American not making credit accessible to me and my family. This has caused us severe harm and injuries due to Bank of America refusing to offer any type of accommodations or a legal reason as to why they will not offer me products or services. Bank of America is the only bank close enough for me and my family use and yet I am unable to use their services or products due to Bank of America discriminating against me. As a single mother of three, Bank of America furnishing inquiries on my consumer report but not approving me for the requested product has caused XXXX XXXX and unrecoverable Finacial harm and distress. Bank of America pattern of scamming and harming consumer is duly noted by the CFPB and I am still being victimized by Bank of America. 
I have exhausted all efforts of trying to resolve this matter privately with Bank of America and will be forced to pursue other legal venues if Bank of America continues its deceptive, unfair, and prohibited actions against me ( the consumer )

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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express acct numbers ( XXXX, XXXX, XXXX ) have all been discharged with negotiable instruments but they will not credit my account and continue to harass me over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit report I noticed some inaccurate information on my credit profile.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
COMPLAINT FORM I am a XXXX born in XXXX. On a social security payment of {$920.00} retirement monthly I was issued a credit line of {$4000.00} with a XXXXXXXX XXXX XXXX XXXX. Way beyond my age and means ... ( Credit Baiting ) I was financing 2 businesses at the time and was using this this credit for my living expenses as a Business line of Credit. 
I was sending in {$300.00} a month to cover the payment and the balance kept kept rising. 
I requested the account be locked and closed in XXXX... No response, balance kept rising. 
This was totally out of control causing a financially taking advantage, bullying, and Elder abuse situation. 
There has been an increase of {$500.00} in balance after I requested the accounts being closed. 
I need help in dealing with this situation as it is out of my hands, and I need protection as I will be put into collections as the balance continues to rise. 
It seems all my online accounts have been compromised, and information disseminated Is all this a coincidence? 
Paypal Master card Raided canceled. 
XXXX  XXXXXXXX XXXX XXXX raided canceled. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX canceled. 
XXXX XXXX XXXXXXXX XXXX XXXX canceled. 
Documentation forthcoming

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 2023-07-15 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: GA

Complaint narrative:
Pursuit to 15 USC CODE 1681a2, I did not give written permission to have these accounts furnished on my credit report. 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

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 2023-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I receive a letter about my student loan being suspended, the credit bureaus Experian, XXXX, XXXX XXXX, will not remove this from my credit report and will not verify the letter I sent them all the letters also

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 2023-07-15 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: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
My credit report is reflecting a fraudulent address ad that is not associated nor has ever been associated with me. The inaccuracy in question is XXXX XXXX XXXX in XXXX, TX XXXX. In addition, there is also 3 fraudulent debt collections that DO NOT belong to me, and are registered with this erroneous address that is associated with my credit reporting profile. These collections Account names that i am in no way familiar with are listed as : XXXX XXXX XXXX in the amount of {$1100.00} XXXX XXXX XXXX In for the amount of {$1100.00} and Southwest Recovery S for the amount of {$1100.00} I have never lived at any other address other than XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX. And i should not have ANY collections or negative items on any of my credit reports. I will be reaching out to each of the reporting bureaus demanding this false information to be removed immediately as this is identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Barclays - Debt was settled but they have not adjusted the balance and have shut the account down even though debt paid.

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