vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit 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: DISCOVER BANK
State: DE

Complaint narrative:
My discover card ( XXXX ) was used fraudulently for XXXX years. This started in 2018. I didn't know it because I had stopped using the card and put it in my drawer. Then I receive a bill for non-payment. I called and explained this and they did nothing, and I received another non-payment bill. I called and got routed to the fraud department who did nothing. This scenario has been going on seems like forever. 
When I would call they would tell me I have to pay this bill, even though I was telling them it was not me making these charges. I repeated myself over and over a least XXXX times over the years. My credit rating went down causing me to get higher rates and pay more money unnecessarily. I was in the XXXX credit score and because of Discover card delinquency reports they charged me 9 % to buy my XXXX last year. 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 I am asking for financial compensation for this terrible harassment because now Discover card after all these years of harassment they sent me a letter stating that after their investigation they have determined that I AM NOT responsible for the balance and an update sent to the credit bureaus. But what about me and my pain and stress and XXXX XXXX XXXX  rising because they didn't do their jobs. I want financial compensation for my suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XXXXXX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- One Main

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Unauthorized personal information has been used for personal credit Please remove inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Westlake Services, LLC
State: TX

Complaint narrative:
Unauthorized personal information has been used for personal credit Please remove inquiries.

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 2024-05-03 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:
I have communicated with TransUnion prior to date of : XX/XX/2024 in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : XXXX. XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/2024 TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/2024 in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '

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 2024-05-03 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-03 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I called XXXX XXXX, kept speaking over me and called me a liar twice leaving me feeling harassed. I reached out to him, not the other way around. 

Pinnacle Recovery Inc ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-03 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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

Complaint narrative:
`please see all attached documents to include report to XXXX FTC Report Accounts to be removed within XXXX  days and police report showing my wallet and personal effects were stolen and identifying info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX  % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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

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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
From XX/XX/2024 to XX/XX/2024, a debt collection company called XXXX, XXXX, and XXXX called me XXXX times from an automated number saying they have a legal matter that requires my attention. On the XXXX attempt, I decided to pick up. The lady that answered the phone, XXXX XXXX, informed me that there is an outstanding debt against me. I asked several questions trying to get more information but she continued to deny providing it. She threatened freezing all of the accounts associated with my social and that a XXXX would show up to my residence to serve a legal notice. I requested a few hours to research the validity of the debt. I was not able to find any record of the debt nor has anything shown up on my credit history for the past XXXX  years. When she called back ( XXXX call ), I informed her that even if the debt existed, the statute of limitations of the debt had been exceeded. She immediately threatened freezing accounts and law enforcement intervention and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX  : we initiated a dispute last fall about a purchase made on a comentity bank credit card where we never received the merchandise. We have provided supported documentation and spoken with several representatives who were not able to do anything. We were told to rely on the secure message portal for all communication. Well, they ignored all of the provided documentation and now tell me it is beyond the timeline to submit a disupute. 

XXXX  : as a result of initiating a dispute, they apparently turnd off my auto pay of full statement balance and have charged me interestt on the balance that would have otherwise been paid. I was told that they will not waive the charge. ( our payments were always made in full and we have never been late ) In summary, they ignored all documentaation regarding the fraud claim only to now tell me " it's too late to file a claim '' AND in the process, cancelled auto pay without telling me and charged me interest on a balance that should have been paid. 

This feels like deceptive practices to me and I would appreciate you investigting this. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2023 file a claim for unauthorized transaction for {$9100.00} I provided dacuments that proof that they weren't mine bank denied claim an olso I file a claim because the bank made an unauthorized electronic transfer for XXXX it's exseted the time ten days invetegation prosese they refuse to give a credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXX XXXX XXXX XXXX XXXX, experian I am writing to formally complain about the inaccurate information XXXX XXXX XXXXXXXX has XXXX reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX  XXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **Experian Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. XXXX Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The first delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all three reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXX XXXX XXXXXXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-03 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: Westlake Services, LLC
State: SC

Complaint narrative:
I have over XXXX inquiries from all type of companies they have my name attached to people I dont even know Ive been having a hard time getting verified through the XXXX XXXX and XXXX because I cant even verify

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 2024-05-03 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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