vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX on XX/XX/XXXX and XXXX of 2024. In the letter written on XX/XX/XXXX of 2024, the office notified me that he/she could not locate my credit file in your company database with the identification information I provided. Since I continuously sent the identification information above mentioned office, it is difficult to understand how he/she could get my identification information without my consent. Anyway, this office has asked to provide the identification information to verify myself and my current address, I will provide your company headquarters the necessary documents, which he/she has stated, social security card and drivers license. Also, this office asked me to submit a copy of the death certificate due to my request to add a death notice. I am not sure why I need to add a death notice to my own credit report from the beginning, if so, why I need to report my own death to this office. Therefore, I strongly believe it must be another person, not myself. However, all my family members are surviving, even though one of them had harsh and difficult time during the beginning of the Pandemic as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This office kindly taught me where I should submit somebodys death in future to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Honestly, I regret to learn this information before my family members death, even though it makes me realize the future works to submit to necessary document ( s ) to create two death certificates from mother country and the United States for one of my family members, at least. I need to inform them that they need to get the death certificates from XXXX and the United States after the appropriate documentation. Also, your company office mentioned I needed to provide my telephone number, which, if reliable, your company mentioned in the credit report provided ; therefore, I had difficulty to understand why he/she had mentioned that I needed to add my telephone number for a credit grantor to use to verify my identity before establishing new credit in my name. Since the letter on XX/XX/XXXX of 2024 asked to submit to the New Jersey Attorney of General, I gladly do it. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally dispute the handling of my credit report in relation to XXXX XXXX XXXX XXXX. On XX/XX/2024, ( Exhibit A ) I submitted a dispute to your agency, expressing concerns about the accuracy of information associated with this account. It has come to my attention that, despite my dispute, Experian has failed in numerous instances to take appropriate steps to ensure the maximum possible accuracy of the information in question. On XX/XX/2024, ( Exhibit B ) I received a notification from Experian indicating that the account had been updated. However, to my dismay, the update did not reflect the proper notation of the disputed status, as outlined in the Fair Credit Reporting Act ( FCRA ). According to the FCRA, Experian is required to notate a disputed account during the investigation process or, upon completion, provide a clear indication of the resolution in the comments section of my consumer report ( Exhibit C ) which they did not. Unfortunately, it appears that Experian has not followed the proper procedures, and I am concerned that this failure may be in violation of 15 USC 1692e ( 8 ). I am attaching proof to support my dispute complaint, including documentation of the initial dispute filed on XX/XX/2024, and subsequent correspondence from Experian indicating an update to the account, also proof of my Experian report that show the comment section has no comment it's blank like there wasn't even a dispute being reinvestigated or made. This evidence clearly demonstrates that the necessary steps were not taken to accurately notate the disputed status of the account, as required by law.

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 2024-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have requested via phone and via mail for proof that this debt is mine. I have asked specifically for bill of sale or a purchase agreement and after waiting 30 days have not received the items, Instead the collection agency has requested that I ask for this information in writing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I request the removal of these inquiries. I am unaware of this matter, and the company took action without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Today I realized due to a very XXXX impact on my XXXX XXXX that something was wrong on my credit report, I reviewed it and saw that I had a medical collection of a bill from XXXX XXXX XXXX for {$1500.00} that is in a collection company called ABILITY RECOVERY SERVICES. Which I don't admit, I have never been to XXXX XXXX XXXX nor have I ever received any medical or other services from that place. I do not know the invoice, I do not have any additional information since I have no knowledge of this charge. I believe this is a fraudulent charge or identity theft.

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 2024-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I just received the bill from you about this account and the company I have never had an account with them at all and don't know where they got my information at all. I would like to have it investigated to where it can be taken care of and my name be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Please eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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 am writing to delete the following information from my file. The item I need deleted is listed below. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the FTC 's Identity theft affidavit. Please delete the item as soon as possible. 
Gramm-leach- Bliley Act : 15 USC 6801, Negative accounts : 15 USC 1681 Account Verified : 15 USC 1681i XXXX XXXX : Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: DC

Complaint narrative:
In pursuant to 15 USC 1681 Accuracy and fairness of credit reporting XXXX XXXX XXXX has violated my right by reporting inaccurate opening date and inaccurate last reporting date. These violations has caused me significant damages to my financial aspect of life. 
Attached is an exhibit of the committed violations.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently pulled a copy of my credit report and noticed that there are names, addresses, and employers on my credit report that are in error.

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 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I dispute but they not respecting the law I didnt give written consent for them release information information 15 US Code 1681 ( b ) ( 2 ) ,15 US Code 1681 ( a ) ( 2 ) ) (

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
This is a follow up to a previously filed action : Complaint ID # XXXX. Old National Bank purposely provided false information in their response knowing that they are 100 % liable under the XXXX Article XXXX for proper endorsements and payee information. 

ONB cleared at least 3 checks that clearly had either an improper endorsement or altered payee.

Consumers have up to 60 days ( and more in some instances ) to report fraudulent activity on their account. We absolutely did that in this case. ONB 's response of the " twenty-four hour reclamation time '' is an absolute and willful attempt at misleading a consumer. the 24-hour reclamation time frame is for COMMERCIAL BUSINESS ACCOUNTS not CONSUMER ACCOUNTS. ONB surely knows this. Yet they chose to perpetrate a lie against an elderly individual. 

Furthermore, they are very aware of their liability ( which has no statute of limitations ) as they just closed the account in question. 

XXXX Article XXXX clearly puts the liability on the clearing bank, in this case Old National Bank, to ensure that the check is properly endorsed by the account holder. Additionally, they are liable to ensure that the payee information on the check has not been altered in any way. 

I am in the process of filing a XXXX request to force the CFPB to turn over all complaints against ONB for clearing improperly endorsed checks and improper payee information, amongst other actions. 

I consider the CFPB to be complicit in this action for allowing a financial institution to knowingly submit false information. 

In conclusion, one of the account holders is an elderly individual who does not use email, thus the need for this additional complaint as the CFPB would not talk to me ( the joint account holder ).

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 2024-03-10 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: TN

Complaint narrative:
I am very dissatisfied with XXXX and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

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. 

HARD INQUIRIES AS REPORTED ON 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 


HARD INQUIRIES AS REPORTED ON TRANSUNION : XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was charged for something i didn't authorized and I disputed at once and the XXXX  card company didn't accept my dispute on the charge and I needed to reopen the case and they closed it again throwing the responsibility on 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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My credit cards were closed with capital one because of Payments not going through due to my bank. Im getting charged interest fees and late fees when they close my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
I am writing to bring to your attention an issue I have kept encountering with the credit bureaus after numerous attempts by phone, a certified letter regarding unauthorized credit inquiries on my credit report. Under 15 U.S. Code 1681b ( 2 ), I have not provided written authorization for these inquiries, yet they persist on my credit report. 

As per the statute above, it is clear that credit bureaus are prohibited from including information on a consumer report solely based on transactions or experiences between the consumer and the reporting entity unless specified otherwise in 15 U.S. Code 1681s3. I firmly believe the credit inquiries in question fall under this provision and should not be reported without my explicit consent.

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 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I submited multiple documents and made multiple calls about the many mechanical issues with my XXXX XXXX XXXX. The car was causing me to spend thousands of dollars and made it difficult for me to keep up with my payments. On XX/XX/XXXX, I called a few times over the course of a month to ensure that my car was voluntarily repossed after I got another car. They have been continuously reporting this car as a regular reposession with a current balance due.

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 2024-03-10 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: NC

Complaint narrative:
15 US Code 1681 ( a ) ( 2 ) ) ( a ) ( i ) I didnt give written consent

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 2024-03-10 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: GA

Complaint narrative:
I am writing to bring to your attention an issue I have kept encountering with the credit bureaus after numerous attempts by phone, a certified letter regarding unauthorized credit inquiries on my credit report. Under 15 U.S. Code 1681b ( 2 ), I have not provided written authorization for these inquiries, yet they persist on my credit report.

As per the statute above, it is clear that credit bureaus are prohibited from including information on a consumer report solely based on transactions or experiences between the consumer and the reporting entity unless specified otherwise in 15 U.S. Code 1681s3. I firmly believe the credit inquiries in question fall under this provision and should not be reported without my explicit consent.

Company response to consumer: Closed with explanation