vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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

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 2024-02-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT 1. BK OF AMER with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this account.

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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Southern Management Systems Inc.
State: AL

Complaint narrative:
Tuesday XX/XX/year> I was notified today that I was in collections for renting at XXXX XXXX XXXX XXXX. When I was notified from a recent leasing agent at an apartment building I applied for showed that after there second screening of rental verification that I popped up in the system for collections for lumen. I was unaware of the this debt and had XXXX clue what she was talking about and decided to go look and discover on my credit reporting that they are say I owe the XXXX  of dollars when they clearly violated the lease agreement I signed and was made false promises while living in the unit. I made it very clear I can not live with roommates that owned pets due to me having a XXXX XXXX XXXXXXXX and I asked to move rooms and requested many times to move and no accommodations where made and I was consistently ignored because the building was being reconstructed due to freeze warning that caused the pipes to burst on one half of the building leading them to have to vacate majority of the building and accommodate that half of the building while the other half of the building basically had to live in a construction site. When talking on the the phone with the debt collector about the charges she communicated with me as if I was subordinate and proceeded to get angry with me and speak in a disrespectful manner to me when I was clearly not knowledgeable of the debt she was trying to collect. Southern management company just seems to me like a fraudulent company that threatens people and does not seem to be able to communicate with others in a pleasant way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was reviewing my credit report and seen some inquiries that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I have sent letters to XXXXSUNBIT requesting proof of said debt and have not received any response for the two separate closed accounts they have put onto my credit report. Sunbit is in violation of code 15USC 1681 because they have not been reporting accurately to the credit bureaus by disclosing two derogatory accounts, and showing no true evidence that said debt belongs to me. They have been reporting since XXXX of XXXX with a balance charged off at XXXX XXXX and XXXX dollars and the other closed account since XX/XX/XXXX for the second account that is showing negatively on my report with a balance charged off at XXXX XXXX XXXX XXXX and XXXX XXXX dollars. By both accounts showing collection/charged off they have already sold this debt off and have been compensated and are now trying to intimidate me by damaging my credit, and making it impossible to obtain new credit. By them already charging these accounts off and now trying to double dip by wanting me to pay said debt again is outrageous on several levels. Another violation is this company has never sent me an option to opt out of them reporting my information to any non 3rd party affiliate. Per the FCRA as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have given SUNBIT/XXXX  written, nonwritten, verbal, and or nonverbal per 15USC 6802 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXX XXXX XXXX XXXXXXXX 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my ongoing frustration and concern regarding several items on my credit report that I have previously disputed. Despite my efforts to rectify these inaccuracies, my disputes seem to have been ignored. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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 was reviewing my credit report and seen some inquiries that are not mine

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
A collection account recently appeared on my credit report for a XXXX bill in the amount of {$1300.00}. This account keeps appearing on my credit report with a new collection company. This information should be immediately BLOCKED and the credit bureaus should not allow this erroneous account to continue appearing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo has been owing me for 2 years for a {$2000.00} dispute that was credited to my account that I did not receive, they keep telling me they have investigators that will start from the beginning and properly investigate this issue but each time each investigator uses the same blue print as the last one they will say I have a son name XXXX XXXXXXXX which is not true then they will continue to give a false narrative stating stating i sent money to hm, this has caused a issue with my wife because i have no son name XXXX  XXXX and my wife is XXXX for a divorce becaue she thinks i have illegimate kids and wells fargo is lying they have not witnessed me stating i have a son, and i sent that to him i have no son name XXXX  XXXX and for theme to create this false narrative they need to pay a fine for lying on my name and causing my wife and I to be separated for the past 2 years becaue of this issue, the blame on the claims department but when i contact the claims dept theysay thehave no record of this issue but every investigator starts their denial off with the same lie that, which no knows who has XXXX XXXX lie out in society they owe {$3500.00},... for the money i never receivd and they owe me for not resolving this in a fasstr pace

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 2024-02-28 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: SC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-02-28 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: SC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-02-28 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In accordance with the FCRA, credit acceptance corp has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am current. Account is open with XXXX payment remaining. I get a notification from Transunion that XXXX reported my account as Charged Off/Bad debt. I contact XXXX via Email, and received a response on XX/XX/XXXX that they are not going to correct it and they are closing my complaint. I replied and informed them this is wrong and I am filing a complaint with CFPB. No response from company. 

On XX/XX/XXXX, I received an email from XXXX that my account could be charged off if they dont hear from me. I immediately responded and made a Promise to Pay for XX/XX/XXXX, my paydate. I received a response notifying me they will update the account and thanking me for the reply. 

I kept my word and paid to get current on XX/XX/XXXX. On XX/XX/XXXX XXXX emailed me thanking me for payment and informing me I can manage my account online. 

Then on XX/XX/XXXX, I get another email stating my payment due XX/XX/XXXX is late and they are willing to work with me, they get it life happens it says. But I had already paid via debit card. 

On XX/XX/XXXX I get a email payment reminder that my payment is coming up. 

Clearly my account was not charged off, and not closed.

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 2024-02-28 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:
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 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. 

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 explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was out of the country and I saw that my credit card account closed. Someone XXXX closed my account due to much fraud in a short amount of time. Which is true, Ive lost my card a couple times and I lost my wallet before I left the country. This individual completely destroyed my credit, now I am completely unable to apply for anymore credit cards due to discrimination. This employee XXXX is somehow unable to verify me or my account when I call. So he wants me to call another number to have me transferred to him or go into a brand. On top of that I have 0 liability for fraud charges. When I called to report the fraud that happened I was explicitly told I am not responsible. Somehow this guy XXXX things I benefited from a charge and now my closed account has a balance of {$1500.00}. Now my credit card report says I used more than 30 % of my balance. So they ruined my credit even more. I am unable to talk to anything at chase, they wont help me. I want absolutely no contact with this person. As I am frustrated. This is my first credit card. I am XXXX trying to build my credit and I got completed screwed and am being treated like XXXX by chase bank. This is unacceptable and illegal. I am not liable for fraud charges from a stolen card.

Company response to consumer: Closed with explanation