vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
This is a follow up to XXXX Today I received a poorly written " Cease and Desist '' letter from lending tree. 
Apparently after I posted several reviews and complaints including screen shots of their stalking of me someone signed up one of their employees for their service. 

Of course if you take a look at their responses to me they claim once they remove info from their system the harassment stops. Obviously this is not true because these liars claimed they removed my info months ago yet several times a week I get calls/emails offering me insurance on the same vehicle my stalkers provided lending tree. 

it was nice for them to acknowledge their lead generation system is a form of harassment maybe now they will review who they provide consumer information to and how it is used. 

I am sorry for what has happened to the employee and obviously deny doing anything but post their bogus responses on different review and complaint forums but its kind of refreshing for someone there to have to deal with the harassment/stalking of Lending Tree customers. It appears to be painful enough for them to threaten to sue one of their victims. 

Perhaps if the do sue me I will finally get the IP address used by the XXXX to harass me. Its pretty powerful evidence of harassment when the company doing the harassment admits its harassment. 

I have updated both my local police report and my TX Attorney General Complaint with this new unsolicited email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-18 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: MD

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit report.

List of Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} 4. XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} 5. XXXX XXXX ( formerly Simple Finance ) XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2000.00} Fraudulent Credit Inquiries : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquiry Dates XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is to formally dispute a credit inquiry on my credit report, originating from XXXX XXXX XXXX, that I did not authorize. I did not grant permission for a credit inquiry nor do I have any account with XXXX. The alleged inquiry appears on my Equifax credit report on [ Date of XX/XX/year> ]. The inquiry is associated with XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I believe this unauthorized inquiry is likely a form of identity theft. I request that this inquiry be immediately removed from my credit report. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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 writing to formally request the immediate blocking and deletion of fraudulent information on my credit report due to a data breach. I did not authorize the creation or use of the following account and inquiries, which were the result of identity theft. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such information blocked and removed from my credit report. 
Fraudulent Account to Block and Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-18 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that n
o consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-18 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: LA

Complaint narrative:
I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$310.00} INQUIRIES : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-18 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. I was a victim in the XXXX XXXX data breach, the XXXX data breach, a hospital breach, and the XXXX data breach. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed 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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my rights to request the cessation of debt collection communications. In Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filling complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thanks you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was asked if I had requested a Cashiers Check that was being cashed. This check was issued on XX/XX/XXXX. I immediately contacted Bank of America and was told that I had to wait for the transaction to post before doing anything else. I called again on XX/XX/XXXX and went through the motions of creating the complaint. I had to wait until the next day to get my money back. I was suggested to freeze my account which I did and my payments started to bounce. I opened a new account and I'm still in the process of contacting pay to 's to change my information. I'm concerned how somebody was able to get a cashiers check at a branch. They either had a cloned ATM card, an ID or a combination of both. How far is this fraud going? what is the extent of it?. Bank of America told me that they will not provide any more information to preserve the branches security. Therefore XXXX cant open a police report. There is no method inside the bank to move my transactions or to accept certain transactions. Bank of America actually charged me {$30.00} to cancel the fraudulent Cashiers Check but this charge was refunded because I'm a preferred customer... I'm concerned about the integrity of my accounts and Bank of America is not providing any information. Their investigation is internal. I don't know the pay to in the cashiers check : XXXX XXXX. Whoever tried to cash the check signed 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 monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: TX

Complaint narrative:
" I am disputing an inaccurate entry on my credit report by Zion Debt Holdings, which is reporting a debt to the credit bureaus despite my prior disputes directly with them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they should have ceased all collection activities until verification of the debt was provided. '' Details of the Inaccurate Entry : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} Date Reported : XX/XX/year> Reference Number : XXXX Summary of My Actions : On XX/XX/year>, I called Zion Debt Holdings to dispute the debt 's validity. 
On XX/XX/year>, I mailed a certified letter requesting debt verification ( see attached XXXX tracking ). 
Despite my request, Zion Debt Holdings reported the debt to credit bureaus on XX/XX/year>, without verifying the debt.

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 2024-11-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under 15 USC 1681. I told experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
i requested the name and address XXXX dates of breach with original creditor and the last payment date, they have not sent me in writting when was the last payment made with original creditor they sent me a notarized bill of sale and affidavit of sale of account when they bought account that do not state the account number or my name anywhere on it they also sent me purchase information and they refuse to fill out last payment date they are in violation of the Rosenthal Fair Debt Collection Practices Act.they are using unfair debt collecting practicez and i will continue to report them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: PA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-18 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: IL

Complaint narrative:
I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-18 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: AL

Complaint narrative:
As referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.

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 2024-11-18 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN 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 explanation
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : 1. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 4. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX ( formerly XXXX XXXX  ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Fraudulent Credit Inquiries : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  - Inquiry Date : 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