vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have obtained my consumer reports from all credit bureau agencies notified them of the fraudulent reporting information that is inaccurate reporting information my consumer report XXXX XXXX information is being furnished by Bank of America claim number from Bank of America XXXX XXXX Accounts number ending XXXX Florida drivers license number is inaccurate information address is incorrect information how can the information be verified and the method of investigation that where conducted The Consumer report shows that I was a victim of fraud my whole entire personal information has been compromised identity, Social Security number, etc. 

Im the victim of identity theft and I dont recognize none of the accounts or inquiries on my Consumer report. I XXXX XXXX XXXX purports to bring claims against XXXX under the Fair Credit Reporting Act ( FCRA ) based upon information reported, allegedly caused by identity theft. In enacting the FCRA, Congress recognized the vital role consumer reporting agencies ( CRAs ) have in assembling and evaluating consumer credit, as well as the need to insure that CRAs exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ). Under section 1681e ( b ) of the FCRA, a CRA, when preparing a credit report on a consumer, is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). If a consumer brings a dispute to the CRA regarding the completeness or accuracy of a credit report, the CRA is required by section 1681i ( a ) within a reasonable period of time [ to ] reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. 15 U.S.C. 1681i ( a ). The FCRA addresses the duties of CRAs and of furnishers of information to those agencies as follows.

. 15 U.S. Code 1681c1-

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 2023-05-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: VA

Complaint narrative:
I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: 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 XXXX XXXX : 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 2023-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS XXXX  XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

CB INDIGO Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
I Tend to pay my bills early or on-time regardless I make sure my bills are paid but recently for some unknown reason and with out any explanation, i receive reports in my email that my credit score dropped with out any explanation what so ever. I went from a very high credit score and lost almost half of it in just 2 months. My score is like my life i really hope i can get info on how exactly i lost so much.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I had a repossession on my credit report. They told me if I pay it in full they would take it off so I gave them {$7000.00} almost 6 months ago and its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have this " XXXX XXXX '' gift card for a few years. Because of Covid and other health related situations, I have not used the gift card until yesterday. I always write down the balance on the card ( {$110.00} ). Surprizingly, I was told yesterday there is almost no blance on the card ( XXXX cent ). 

I contacted XXXX XXXX customer support and requested a transaction history. I was told that they do not have transaction history. 

I live with my husband and no one gets access to my storage. There is zero chance that this gift card gets used unless there is some fraud involved. It happened before years ago that a store clark used one of my gift card. I suspect something similar to it might have happened on 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 explanation
Consumer complaint received 2023-05-15 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-15 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: TX

Complaint narrative:
I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Starting on XX/XX/XXXX and for one to two days after, approx. {$6000.00} in cash transfers were initiated without my approval, nor were they me. 

USAA was contacted, as they have every time an issue has since happened. 

My profile was hacked, a new card was being sent, and the address was changed for it to go to Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: DE

Complaint narrative:
Dear TRANSUNION, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. TRANSUNION has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-05-15 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: NC

Complaint narrative:
I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( Ive never worked with this employer )

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