vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: NJ

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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX 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 : Its 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 2024-07-30 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:
I reached out to the credit bureau to remove fraudulent information without success. I have submitted all requested documents to establish an identity theft claim. Attached is the documents sent to Equifax to remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Recovery Solutions, LLC
State: NC

Complaint narrative:
In XXXX and XX/XX/XXXX, a debt collection agency contacted me multiple times within a XXXX period, making four calls and leaving two voicemails. Additionally, they contacted my sister and mother without my consent, attempting to use them to reach me. These actions were distressing and felt harassing. I have been registered on the National Do Not Call list since XX/XX/XXXX. The debt collector 's conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), and potentially other consumer protection laws, given the unsolicited calls. Despite not initiating any direct contact with the debt collector, their aggressive attempts have caused significant emotional distress. I have retained call records, voicemails, and messages from my sister and mother as evidence of these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX use a radios global solution llc to deb collector to get XXXX when I call they never answer and they put my credit so low I payed all ready mi cycle to XXXX  to other company and they leave XXXX line active with out phone and now they said I have to payed why they do that if when they give code or pin to move it is when you are good with your payment and is because your are moving to other company and your free

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 2024-07-30 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-07-30 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-07-30 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notification on my credit and seen the hard inquiries. This doesnt belong to me. I called the Card company to closed the card so it wouldnt get worse, however this is not mine. I have a pretty good standing and I am aware of the inquires I have done but not these. These hard inquiries does not belong to me please remove : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sold a bicycle online for {$8000.00} on XX/XX/XXXX. The person told me he would make an initial payment of {$2000.00} to secure the item. That same day I received a deposit in my Citibank checking account for {$4000.00} from this person ( ATM deposit in a branch in XXXX XXXX ). Next day, when I realized this I contacted the buyer and he told me a mistake had been made. He asked if I could give him back the extra {$2000.00}. I got suspicious so I called the bank and asked them if the deposit had been made in cash or check. I was told it had been a cash deposit. I was still uncomfortable with the situation so I logged into my Citibank account and saw that it said the {$4000.00} deposit had been posted and the funds were already available. Still, I opened de chat in the website and contacted a Citibank agent. Once again, I asked him if the deposit was cash or check and he confirmed it was cash. I even took a screenshot of the conversation, which I have. With this info, I made an instant transfer to the account that the buyer gave me ( an account in XXXX Bank ). I transferred {$2000.00}. On XX/XX/XXXX I contacted the buyer again to ask him to make the remaining payment ( the {$6000.00} ) but he said he had a family emergency and could no longer complete de purchase. He asked me if I could give him back the {$2000.00}. At his point I got scared so the next day I logged into my account to get in touch with Citibank and realized the initial {$4000.00} deposit had been cancelled. It said : Returned check. I called the bank and asked them why they had told me ( XXXX  ) that this was a cash deposit when in reality it had been a check deposit. The person from customer service said there was nothing that could be donde and that I was free to take outside actions. I acted based on wrong information that Citibank gave me and they should reimburse me the money that I lost. They told me XXXX times ( on the phone and in writing ) that this was a cash deposit. If I had known this was a check deposit I would not have returned any money to the buyer for at least a few days.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I was notified by Bank of America credit asking me if I authorized a {$4.00} charge from XXXX. I contacted the fraud dept and told them I did not authorize charge. They cancelled my cc and issued me a new card with new number. 
On XX/XX/year> I was notified by Bank of America credit asking me if I authorized a {$5.00} charge from XXXX on my new cc they issued. First I contacted XXXX  to find out why they continue to charge me. They had no record of me as an account holder. I contacted Bank of America fraud dept and told them I did not authorize this {$5.00} charge and asked how XXXX would have gotten my new credit card number? They cancelled my XXXX card and issued me a XXXX credit card with a new number. 
On XX/XX/year> I was again notified by Bank of America credit asking if I authorized a {$4.00} charge from XXXX. I contacted Bank of America fraud dept and told them I did not authorize the {$4.00} charge and asked how did XXXX get my XXXX new credit card number? I had not even activated the XXXX card! They had no answer. 
I need your help with this issue. Bank of America should not be giving out my new number to XXXX. I do not have an account with XXXX  and have not given anyone my credit card number to use. This is a continuous issue that Bank of America credit will not solve.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America sent me an email in regards to Complaint ID : XXXX ( attached ) on Mon, XXXX XXXX XXXX XXXX XXXX XXXX asking if I am the person who filed the complaint. Please reference Complaint ID : XXXX for details on the original complaint. 

I responded that I am the person who filed the complaint about them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have not responded to me since I replied. I asked them to communicate by email since I am unable to use the phone when I am working from XXXX XXXX XXXX XXXX XXXX 

I responded quickly and showed Bank of America that I am willing to communicate with them about my original complaint and they have completely ignored me and have not responded to my email.

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 2024-07-30 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT

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 2024-07-30 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Remove Unauthorized Inquiries Dear TransUnion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

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 XXXXXXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
This is my XXXX attempt to get transunion to remove the closed XXXX XXXX XXXX account # XXXX that appeared on my credit report. It is fraudulent/merged file identity theft. I provided the FTC and police reports along with multiple Transunion and CFPB disputes. 

Transunion keeps responding that the account has come back UN VERIFIED but have yet to remove the inaccuracy from my credit report. 

The name reporting attached to this XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/2018 is XXXX XXXX XXXX XXXX. My name is XXXX XXXX. 
Per the FCRA 15 U.S.C 1681c-2 section 605B : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had XXXX dollar loan from Alphaeon credit  thru Comenity bank for dental implants from XXXX XXXX XXXX for my wife. We paid XXXX cash beside loan. Promo ended with me borrowing half through XXXX flex pay CC and remainder from my XXXX loan on my home. The balance transfer fee was the amount my loan fell short of complete payment on XX/XX/XXXX. Comenity bank nor Alphaeon credit informed me of shortfall and my contact info is known to them. XXXX XXXX XXXX in XXXX Florida would never return my calls for assistance nor would the dentists I knew personally help in the slightest. I have paid 28.99 % interest on entire loan and tho I have kept loan current I still owe over XXXX dollars ; ; over the XXXX dollars they should have informed me of. I have shown a lifetime of credit worthiness and have always dealt in good faith. I have dealt with XXXX XXXX and now regret it. I will have paid roughly the same amount for wifes teeth as the home I bought in XXXX. Please help

Company response to consumer: Closed with explanation