vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX U.S.C 1

681 Section 602 A States I have a rig ht to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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 2024-08-11 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
During the course of the foreclosure proceedings, which are in dispute, the plaintiffs attorneys added defendants in error which created confusion and created the possibility for fraud. The Sheriffs documents, civil court documents and even the property records were affected by the error. This would not have happened if the additional defendants were not added in error. 

1. Ominous, unspecific, fraud inducing names such as " XXXX XXXX have been added as defendants, in error. 
XXXX. Bayview Loan Servicing , LLC ( herein bayview ) was added as a defendant, in error. The attorney for bayview is the same attorney for the plaintiff, which is not only a conflict but it gives the attorney the potential to influence the case as both the plaintiff and the defendant!?! It also puts bayview in a conflict position when evaluating a loan modification or cooperating with a realtor. XXXX XXXX has no debt with Bayview Loan Servicing , LLC. 
XXXX. XXXX XXXX is very much alive and well. XXXX heirs, none of which are even close to the age of 18, is inappropriate. This practice was further compounded by someone trying to sow discord between XXXX XXXX and the children ( XXXX XXXX has shared custody ) by falsely suggesting to the children that XXXX XXXX is in some way trying to keep money from them. The only outcome of this action is forcing XXXX XXXX and the children into a housing crisis. Similar tactics were used with other family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2024-08-11 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: MA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account Name : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm contacting you all to wipe my credit clean I don't know who else to reach out to about this issue here. My credit score should be top notch at the highest possible point due to the fact I'm a state national and credit score does not apply to me anymore. I need the highest credit score on all three XXXX XXXX and whatever the name of other one is I can't ever think of it. Also, XXXX XXXX  is going to cause a problem on my so-called credit score because they trying to say I'm late. Which I'm not I've sent them an endorsed bill wiping out the balance. my credit cards to a zero balance I've already sent endorsed bills to each and every one that has a balance on any account that I have so there's no reason why I should not have a zero balance on all of my credit cards. My auto loan, my house loan, and all of my credit cards. I need my scores at the highest score possible that's what it's supposed to be doing the fact credit score does not even apply to me anymore so it shouldn't be a problem with me getting any credit card I want so I need my credit history corrected and if there's a criminal record on me I need that wiped clean as well please and 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Right before these thieves at Chase Bank prematurely and abruptly closed our law firm business bank account, they stole/confiscated {$10000.00} of our money for reserve purposes promising to return it in 90 days to 6 months ( for which we filed a complaint against them with your agency ). Well that time has come and gone, and we are here to demand our stolen {$10000.00} now, immediately. Please urgently advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by Credit Collection Service XXXX a debt collector for XXXX XXXXXXXX XXXX 

The car was not financed and returned to the company before we drove off the lot I obtained insurance in my name for my son to get the car, we decided to return the car and didnt have the car for the month of insurance I am being charged. I believe this company actually owes me money. 

On [ date ], I received a communication from [ Credit Collection Service Name ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

[ Clearly and concisely explain how the credit collection service has violated the regulation. For example, you might state that they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I have attached copies of all relevant documentation, including [ list of documents, such as the validation notice, communication from the credit collection service, etc. ]. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ Credit Collection Service Name ]. I am seeking [ state your desired outcome, such as debt validation, cessation of collection activity, or monetary damages ]. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
I recently reviewed my credit report and found several discrepancies that are negatively affecting my credit score and hindering my ability to secure credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion Please delete the following accounts XXXX bal. {$520.00} XXXX XX/XX/XXXX XXXX bal. {$670.00} OPEN XX/XX/XXXX XXXX bal. {$360.00} OPEN XX/XX/XXXX XXXX bal. {$130.00} OPEN XX/XX/XXXX XXXX bal. {$340.00} OPEN XX/XX/XXXX XXXX bal. {$170.00} OPEN XX/XX/XXXX XXXX bal. {$270.00} OPEN XX/XX/XXXX XXXX  XXXX  bal. {$850.00} OPEN XX/XX/XXXX XXXX XXXX XXXX bal. {$11000.00} OPEN XX/XX/XXXX XXXX XXXX  bal. {$1300.00} OPEN XX/XX/XXXX XXXX  XXXX bal. {$500.00} OPEN XX/XX/XXXX XXXX bal. {$2400.00} OPEN XX/XX/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 2024-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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

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 2024-08-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-08-11 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: MA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account Name : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
All foreign owners of XXXX XXXX XXXX and other gas stations and store I was told I would not receive my money and the owner filed bankruptcy and removed all machines out of the stores and I was the loyalty ID of all cash register that was in store and I was the raw money for trading currency from foreign countries I have not received anything from buying crypto currency and XXXX currency account I was told I can receive my payment from XXXX wallets I was threatened by crypto bullies and cyper bullied by XXXX XXXX account XXXX XXXX account and other third parties owned by foreign owner my money marketing account was closed without notifying me and I have no knowledge of why

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/year> I have requested my Transunion annual credit report via the internet through all resources provided by them. They refuse to allow me to obtain my credit report via the internet. I have also reported erroneous information on my Transunion Credit Report. I have called about this previously to no avail. This has been going on for years with no response from Transunion Credit Bureau. If the information is not corrected and Transunion will not allow me to obtain my Transunion Credit Report via the internet I have no further options other than to move forward to Attorney General and other Attorneys in this scope.There are no alerts or anything else set up that would refute myself from obtaining my credit report via the internet.

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