vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: I.C. System, Inc.
State: TX

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. 

I C SYSTEM INC  ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : XXXX has violated my rights. 

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Both accounts were opened fraudulently. I was XXXXXXXX in an Illinois state XXXX  XX/XX/XXXX thru XX/XX/XXXX Case number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while incarcerated I have no Knowledge on how. I'm Requesting these Accounts be removed. 

Navy Fed card XXXX - XX/XX/XXXX amount {$16000.00} Navy Fed card XXXX - XXXX XXXX XXXX amount {$830.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have attached a full description of the issue, but in short : Ally Bank, The XXXX XXXX XXXX ( XXXX ) Revocable Trust used Trust Funds to obtain CDs funded XX/XX/XXXX. XXXX had personal accounts with Ally Bank, and the XXXX where XXXX and XXXX XXXX ( XXXX ) ( me ) were/are Trustees. XXXX XXXX had Power of Attorney before and at the time of XXXX death.XXXX is the Executor of the Estate of XXXX XXXX XXXX. Prior to her death, the XXXX interest income was reported under XXXXXXXX XXXX SS #. The CDs were 13 month ( $ XXXX ), 18 month ( $ XXXX ), and 20 month ( $ XXXX ). CDs were subject to early withdrawal penalties, but no penalties with the death of the grantor/owner. Per Ally Bank T & Cs, CD Interest ( >12 mo CDs ) Credits at the end of the calendar year. XXXX XXXX XXXX passed away on XX/XX/XXXX. On XX/XX/XXXX I by Secure Message and FAX provided Ally Bank with the XXXX for the XXXX TRUST ( see attached ). In the communication to Ally Bank were instructions to apply the interest earned on the CDs to the XXXX. Ally Bank issued XXXX for XXXX with the CD interest reported under XXXX 's SS #. This causes IRS penalties. Note that a XXXX Election was taken when the TRUST XXXX was obtained, the TRUST first fiscal year is XX/XX/XXXX - XX/XX/XXXX. In incorrect XXXX was also issued for the 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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-07-15 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:
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. 

XXXX XXXX XXXX XXXX. 
ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$1300.00} has violated my rights. 

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 2024-07-15 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: NY

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-07-15 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: GA

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-15 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I authorized Bank of America to pay my son 's college tuition payment to be paid to XXXX XXXX using XXXX. The funds were removed from my account, but never made it to the university. On XX/XX/XXXX, I asked Bank of America to look into it, they mailed me a copy of the check on XX/XX/XXXX. The mailing showed that I requested that the check go to the right location, address, account, as it was not the first payment made to this university, but the check was not sent there. The funds were removed from my account. The copy of the check sent to me showed that it went to an alternate payee and address. I reported the claim on XX/XX/XXXX ( Claim # XXXX ). I called in XX/XX/XXXX, to check on the status I was told I would have to wait 90 calendar days. I called again on XX/XX/XXXX, finding it hard to believe that my side wouldn't be resolved immediately - i.e. I requested the funds get paid to XXXX and they were not paid by Bank of America 's service, only to be told it takes XXXX calendar days. I then patiently waited until XX/XX/XXXX when I found out my claim had been closed out b/c the Bank of America Rep filed the report incorrectly ( New Claim # XXXX ). I would like my money returned since I did nothing wrong in this situation and need to pay my son 's tuition bill.

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 2024-07-15 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing , inc. is the mortgage servicer for my property. They escrow payments and are supposed to pay taxes and insurance. My insurance company billed them and they did not send out the payment. SPS stated they did not receive the bill or have information. SPS customer service rep stated they received the information but the insurance issues are handled by another department. They said they do not have the information. I gave them the former year 's policy and told them where to send it. They said they need valid coverage. The coverage wasn't valid because they didn't pay it. I said I can pay it but they should send me my money that was escrowed. They were not helpful and stated it's my responsibility. My loan documents state they are to pay the insurance on the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my sworn personal statement that I pulled my consumer report and found a fraudulent account attached to my name that I never originated and have no idea where this account came from. Pursuant to 15 USC 1681c-2 this fraudulent account needs to be deleted immediately on clear grounds of ident theft. 
XXXX XXXX XXXX  XXXX I have already tried to fix this situation but am getting back verified by your agency. If a true re-investigation is not immediately preformed on this account and in turn deleted from my report, I will may very well be seeking damages pursuant to 15 USC 1681n and 15 USC 16891o as this is well within the range of negligible non-compliance.

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 2024-07-15 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: NV

Complaint narrative:
XX/XX/year> I complete application and computer submits account name incorrectly.

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 2024-07-15 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-15 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There numerous inquiries that I never authorized which is fraudulent! 

1. COAF XXXX 
Date reported XXXX XXXX
2.COAF XXXX
Reported XXXX XXXX
3. COAF XXXX
Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX
5. Capital one bank USA na
XXXX XXXX capital one XXXX  Reported XXXX XXXX
6. Capital One bank
XXXX XXXX  capital one XXXX
Reported XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that XXXX somehow verified the disputed item, electing to leave it on my credit report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how Equifax investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off and is now taxable income for me. 
However I have NEVER received a 1099C cancellation of debt form from them for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report. 

I demand to see to see verifiable proof ( i.e original consumer contract with my signature on it ) for accounts listed below : Account Name : XXXX. XXXX XXXX Account Number : XXXX This account states that I made 100 % on time payments, but is also reporting as a charge off. This is a violation. Remove from my credit report. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Equifax states that I made 100 % of my payments on time, yet it also states a current payment status of late 60 days. This account is in violation and reporting inaccurate information. Remove it from my credit report. 


Account name : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX A collection account can not report a balance. This account is in violation. Remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I suspect that a conspirator is forcing a complaint filed against a credit reporting bureau at the CFPB or other consumer reporting agencies., by victims., crime targets and/or scam targets like me to benefit something out of the process for itself. I am not at liberty to mention anything at all., because of a new trend of retaliatory acts and/or practices that claim " Verbiage '' as their defence. What are they trying to spark? The company is not registered at the CFPB. It is called XXXX XXXX XXXX. It accessed my report without my inquiry., and/or any authorization. Does the constitution constitute some sovereign or individual right to another individual to own another individual as property and get away with it in broad day light?

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