vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
This account with lending point is the result of identity theft and was removed from my credit file sometime in 2023. The beginning of XXXX I was notified by oliphant Llc regarding this debt and that the above stated company now owns the debt and they were attempting to collect which is a clear violation of the FCRA which states, When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) .To which limited circumstances in this plight did not fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I was arrested bye the police ... after my arrest someone took my personal belongings including my wallet and debit card. Unfortunately I was sent to prison for three years ... During this time my card was being used for multiple purchases and withdrawals.. I did not authorize these transactions and I had no clue where or who had my card ... After my release I looked at the transactions and seen my account was drained. I notified police and they suggested I notify the bank no report could be filed because it was two years prior ... the total unauthorized transactions were about {$13000.00} claims dept denied me twice.. I provided supporting document of my arrest and the release date if my incarceration. I am a legitimate victim and bank of America has added insult to injury... I was incarcerated between XX/XX/XXXX and released XX/XX/XXXX please help me recovery funds

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 2024-03-05 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: MS

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I noticed inquiries from creditors with whom I have no association. I believe these inquiries are the result of identity theft or other fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Sheffield Financial contacted me ( XXXX XXXX XXXX and left a voicemail. In the voicemail, the caller identified my brother XXXX XXXX XXXX XXXX, the caller 's employer ( Sheffield Financial ) and a contact number. This is in violation of the FDCPA and would not be a limited-content message as they identified the consumer ( XXXX XXXX XXXX to a third party ( me ). I did not know my brother owed a debt before the voicemail.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
credence resource management this has been removed from my credit XXXX  times and they keep putting it back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: LA

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe to be fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.

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 2024-03-05 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: OH

Complaint narrative:
Despite my persistent efforts to contest the inaccuracies in the information provided to XXXX, XXXX, and TransUnion, unfortunately, the issue remains unresolved up to this point. 

XXXX : 1. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX XXXX 3. The following personal information is incorrect Former : XXXX XXXX 4. The following personal information is incorrect Former : XXXX XXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Also Known As : XXXX XXXX 8. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX  13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  Account XXXX : XXXX Please investigate and delete from my credit report. 

TransUnion 1. The following personal information is incorrect Employers : XXXX EMPLOYEE 2. The following personal information is incorrect XXXX : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 2024-03-05 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: OH

Complaint narrative:
Despite my persistent efforts to contest the inaccuracies in the information provided to XXXX, Experian, and XXXX, unfortunately, the issue remains unresolved up to this point. 

XXXX : XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


Experian : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX 11. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 12. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX 1. The following personal information is incorrect Employers : XXXX EMPLOYEE 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rapid Collection Systems, Inc.
State: AZ

Complaint narrative:
When we received notification that a debt collector was attempting to collect a debt which we believed was fraudulent. We immediately contact the debt collector and requested documentation showing debt was valid. After 35 days we received an email they spoke with the original creditor and was told debt was valid. When we again requested written documentation showing the debt was valid the debt collector advised us they would no longer attempt to collect the debt but refused to provided the verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
This is a formal complaint that this company is engaging in deceptive practices. I submitted a complaint with cfpb ( plz see complaint # XXXX ). I complained about two companies reporting in accuracies on my credit report to which the company responded XX/XX/23 stating the disputed information does not appear on my credit report to which this is not true. The department of education account are very much on my credit report reporting negatively to which is hurting my credit and getting me denied for financial opportunities.

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 2024-03-05 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. 

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 2024-03-05 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: FL

Complaint narrative:
XXXX XXXX {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from Transunion, XXXX, or the collections agency. This account needs to be removed based on my rights via the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
XXXX XXXX- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, Equifax, or the collections agency. This account needs to be removed based on my rights via the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: KY

Complaint narrative:
I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. 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 2024-03-05 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: KY

Complaint narrative:
I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. 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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase with XXXX XXXX for a catalytic converter plate to prevent it from theft. It was for a total of {$420.00}, their web host decided to void this transaction and recharge me another amount for $ XXXX. Instead of charging me the difference they did two large transactions. I canceled all orders because of this. Now the {$420.00} is not reflecting in my checking account with Bank of America. I have contacted XXXX XXXX and they claim all refunds have been made on their end. I have contacted Bank of America and they can't provide any more information on my missing {$420.00}. The charges were made to my debit card.

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 2024-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: PA

Complaint narrative:
I am writing to dispute the XXXX late payment reported by KikOff Lending , LLC. on my credit report. I believe that this information is inaccurate and I would like it to be removed. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the " maximum possible accuracy '' of the information they report. This includes verifying the accuracy of the information with the original creditor before reporting it. I do not believe that KikOff Lending , LLC. has done this, and I request that they be contacted to confirm the accuracy of the information they have reported. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using " false, deceptive, or misleading representations '' in the collection of a debt. As KikOff Lending , LLC. is a company that offers credit building services, I do not believe that they are a debt collector. However, I would like to point out that any communication or representation they have made regarding this late payment may be in violation of the FDCPA.

Furthermore, the Credit Repair Organizations Act ( CROA ) prohibits credit repair organizations from making false or misleading statements regarding their services or the services of any other credit repair organization. I would like to bring to your attention that any statements made by KikOff Lending , LLC. regarding their ability to help my credit may be in violation of the CROA. 

In light of the above, I request that the XXXX late payment reported by KikOff Lending , LLC. be removed from my credit report. I would appreciate it if you could conduct an investigation into this matter and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
Equifax was given information regarding my student loans in deferment back on XX/XX/22. The refuse to update my report after documentation was provided indicating this. The other XXXX XXXX have updated my report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I have been asked transunion and XXXX  to removed those inquiries that i dont have knowledge of them. But they inquiries are still there months after 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 2024-03-05 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: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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