vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-18 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: MD

Complaint narrative:
I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-12-18 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-18 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding an inquiry to be in error.The Fair Credit Reporting Act states that The only permissible purpose for pulling a persons report is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The below inquiry is not related to one of the allowable purposes as I have reiterated from the Fair Credit Reporting Act. 


XXXXXXXX XXXX XXXX XXXX XXXX 
Inquiry Date : XXXX XXXX Please Remove the Inquiry from my Consumer Report immediately.If the above company purport to have pulled my consumer report with my permission, then I exercise My legal right to ask for verification, including ; 1.Name and title of the person who pulled my consumer report 2.Date they purport that I gave permission.

3.Method they purport that I gave permission.Please include documentation of said permission. 


Thank You XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: WA

Complaint narrative:
I closed my checking account on XXXX XXXX XXXX On XXXX XXXX a refund was processed by a merchant XXXX. The refund showed on the account as returned to merchant due to account closure, XXXX XXXX. The merchant however did not received the returned funds and the transaction from their end show successfully refunded to my bank account. They have in investigated it with their payment provider Stripe which confirmed, XXXX XXXX XXXX  the refund was successfully processed to my closed account on XXXX XXXX and no return was received since. Both parties therefore state the funds are with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I am receiving emails asking for over {$2000.00} to XXXX. 
I do have XXXX and my account is current, have had them for 33 years. 
I did report this to XXXX a few days ago. 
It's a True Accord account, number XXXX. I'm receiving emails from a XXXX XXXX. Address provided for TrueAccord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And they indicate current creditors is XXXX XXXX XXXX. 

I do have credit monitoring, i do not know who these entities are and believe im being targeted for money.

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 2024-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am receiving emails asking for over {$2000.00} to XXXX. 
I do have XXXX and my account is current, have had them for 33 years. 
I did report this to XXXX a few days ago. 
It's a XXXX XXXX account, number XXXX. I'm receiving emails from a XXXX XXXX. Address provided for TrueAccord is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  And they indicate current creditors is XXXX XXXX XXXX. 

I do have credit monitoring, i do not know who these entities are and believe im being targeted for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-18 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: CT

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 1661. 
Account Name Collections : 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 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 noticed some things are incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 s-2 ( e ) ( b ).

According to 15 USC 1681i 5 they are suppose to do this, Treatment of inaccurate or unverifiable information.

According to 15USC 1681f s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CT

Complaint narrative:
According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove or block information that was deemed incorrect as a result of identity theft no later than 4 business days after the receipt of the dispute. 

My information was exposed in the XXXX data breach will resulted in accounts being opened fraudulently, Please remove these accounts asap. 

Attached is a copy of my FTC report and dispute letter.

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 2024-12-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-18 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: TX

Complaint narrative:
Upon checking my credit reports, I found a large number of inquiries that I did not authorize, nor am I aware of. These inquiries are not associated with any legitimate credit applications or transactions made by me. 

In response, I promptly sent letters to the credit bureaus informing them of the unauthorized inquiries, as well as discrepancies in my name and previous addresses listed on my credit reports. Despite notifying the bureaus and providing the necessary information, 30 days have passed, and they have not removed these unauthorized inquiries or corrected the discrepancies as I requested. 

This situation has caused me significant stress and fear that I may be held financially responsible for these unauthorized inquiries and accounts, which I did not open. I am deeply concerned about the impact this has on my credit report, and I seek immediate resolution to protect my creditworthiness.

The following laws support my claim : Fair Credit Reporting Act ( FCRA ) : The FCRA ( 15 U.S.C. 1681 ) mandates that credit reporting agencies ensure the accuracy, fairness, and privacy of consumer information. Under Section 1681c-2, I have the right to dispute any inaccurate information, including unauthorized inquiries. The failure of the credit bureaus to remove these inquiries after 30 days is a violation of this law.

Identity Theft and Texas Penal Code : According to Texas Penal Code 32.51, identity theft occurs when someone uses another persons identifying information, without consent, to commit fraud. In my case, these unauthorized inquiries suggest potential identity theft, and I have filed an official identity theft report to document the situation.

Federal Identity Theft Laws : Under the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ), identity theft is a federal offense. I have filed an identity theft report, which I am attaching to this complaint. This report outlines the unauthorized actions and serves as evidence that I am a victim of identity theft, entitled to protection under federal law.

I am requesting that the CFPB assist me in ensuring that these unauthorized inquiries are removed from my credit reports and that the credit bureaus take immediate action to correct the inaccuracies. I fear that if this issue is not addressed, I will be held financially liable for accounts and inquiries I did not authorize, causing irreparable damage to my credit and financial stability.

Enclosed with this complaint is the identity theft report I filed and letters I sent, which outlines the unauthorized activities and provides further documentation of the situation. 

Thank you for your prompt attention to this matter. I look forward to your guidance and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I just discovered unauthorized inquiries on my credit report, and I am extremely frustrated as I dont understand how this happened. When I checked my report, which I do regularly, there were discrepancies that shouldnt be there. Despite refreshing my browser to see if it was a technical issue, the unauthorized entries persisted. I need this matter resolved immediately, and I request a thorough review of the documents I sent to prevent this from happening again.

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 2024-12-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$21000.00} XXXX  # HXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2200.00} UNKNOWN ACCOUNT # XXXX XX/XX/XXXX -- {$810.00} UNKNOWN ACCOUNT # XXXX XX/XX/XXXX -- {$780.00}

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 2024-12-18 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX # XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 2024-12-18 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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. PLEASE SEE ATTACHED LETTERS.

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