vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have made previous attempts to get this verified. This company is violating my rights, and I'm entitled to {$1000.00} for every violation of those rights. I will pursue legal action if this account is not removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NM

Complaint narrative:
I used Lexington Law to repair my credit and nothing happened but I was still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A fraudulent account was opened in my name with BMO Bank ( XXXX  ) around XXXX XXXX. I learned of it when i received mail claiming I owed around {$1000.00} to them for a line of credit taken out against the checking account.

I contacted them and they performed an investigation into the matter, and sent me a letter a couple weeks later saying the account was closed since it was fraudulently opened. Then I received another letter days later saying they decided not to close the account. I called them again, and they said it WAS closed and to ignore that letter. 

Again I received mail from them dated XX/XX/year> saying i need to pay them or the account will go to collections. I called again, and they said the account was closed but couldn't explain why I kept receiving letters demanding payment. 

This bank seems totally incompetent and I don't know what else to do at this point except report them as I don't want my credit damaged due to their shady business practices.

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 2024-12-27 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: AZ

Complaint narrative:
XXXX XXXX, Last 4 of SSN XXXX, XXXX XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under acount number XXXX, an account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, other accounts such as XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under the account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX  XXXX  opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX and 2 Hard inquiry with XXXX XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
XXXX XXXX, Last 4 of SSN XXXX, XXXX XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under alcount number XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, other accounts such as XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXXXXXX  under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXXXXXX  under account number XXXX and 1 Hard inquiry with XXXX XXXX 
These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint & ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-12-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX Acct # XXXX verification of accuracy if not verifiable please delete the accounts immediately and send me a updated copy of my credit report showing the accounts have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
XXXX XXXX ending in XXXX / Nordstrom When I was trying to finance a car last month, I found out that I had a charge off from Nordstrom ( N ). I called N and was told it was charged off but that if I paid the amount, it will show paid but that the charge off will still stay. I was in disbelief that this store would have their cake and eat it too! I asked for a copy of the 1099 and a signed credit card agreement but they said they don't issue those if they're below {$600.00}. This is wrong and malicious. Without disclosures and proper reporting, how could they put negative reports on my account. This willful and unfair business practice has caused me loan denials and have damaged me financially as my credit score has dropped to 500s. Please help me obtain the 1099s and signed agreements with N, so I can forward them to the proper authorities for legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: UT

Complaint narrative:
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-12-27 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I do not recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
I believe this is a violation of the. Credit Reporting Act Section 1681b ( c ) and it is also a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with these accounts, bearing my signature and authorizing an inquiry. 
I also demand you to produce a contract between you and I consumer bearing my signature showing that I gave you permission to furnish any information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I accidently paid off the full balance of my Nordstom Credit card once on XX/XX/year> for XXXX and again on XX/XX/year> for XXXX. I realized the mistake and sent a message through their website on XX/XX/year> and received a response on the same day that i needed to call their XXXX number. I called XXXX XXXX XXXX XXXX on XX/XX/year> and was transferred to a woman named XXXX who acknowledged my overpayment and informed me that they will not send me back my money until 20 business days after it posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Despite multiple letters to Equifax to correct a very old balance amount, they have failed to update the balance on my account, continue to report many months old account information and refuse to provide me with an updated credit report either online or through the mail. The result is my credit score reflects an incorrect status and has prevented me from obtaining a credit card and a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: KY

Complaint narrative:
Paid for services for repair credit with Lexington Law. Very deceptive and misleading. They didn't do anything but keep charging me monthly fees. When we called, they had no information on the status of the repair process. Useless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was selling an item on XXXX marketplace. The buyer wanted to Zelle me the money. He said he Zelles the money but it came from a fraudulent email. He is a scam artist and should be arrested. His email is XXXX He Zelle me from XXXX Here is the Zelle email PAYMENT RECEIVED FROM A BUSINESS ACCOUNT Status : ( ON HOLD ) Dear customer, You received a payment of {$420.00} from account XXXX the payment as been deducted from the payers account but pending to be credited into your account because this amount exceeds the limit of your PERSONAL account can receive from BUSINESS accounts. 

XXXX ; Contact the payer immediately to send an additional payment of {$200.00} into your account to upgrade and expand your account limit. Soon as this is done, we will credit your account with the total sum of {$620.00} We have also sent a notification to the payer regarding the {$200.00} additional payment he/she has to send to you, we will secure this transaction with high priority that neither the buyer or the seller will lose a dime in this transaction. 

PLEASE NOTE Transaction cant be reversed or canceled until this process is completed. 

All transactions are being monitored by our agents and also insured with a XXXX XXXX. 

XXXX Early Warning Services , LLC.

Zelle and the Zelle related marks and logos are property of Early Warning Services, For Assistance, contact the support number below ; XXXX ( XXXX ) XXXX Thanks For Using Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
This was about 20 years ago. I dont remember the dates. But I do know I went through them to repair my credit. They charge me and never fixed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have my ex boyfriend that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit

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