vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and anxiety. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 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: FL

Complaint narrative:
Equifax is in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( XXXX ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section XXXX ( a ) ( XXXX ). XXXX and XXXX have updated credit reports accordingly and removed these fraudulent inquiries. If Equifax is unwilling to do the same, legal proceedings will be brought against the credit reporting agency for negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: TX

Complaint narrative:
( Original Creditor ) CAC FINANCIAL OPENED XXXX XXXXXXXX XXXX ( XXXX Yrs, XXXX Mos ) {$600.00} I have called the consumer bureau ( XXXX ) that this information is being reported to. I have no information on the original creditor besides what the bureau has given me. At the time of account opening XXXX XXXX XXXX I was XXXX XXXX XXXX. This Account does not belong to me. ( High probability of fraudulent activity ) This account is causing me harm and is preventing me from getting my life as well as my credit journey stared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received responses from the company on XX/XX/year> in relation to the company 's continued abusive and dishonest conduct. 

The responses were dishonest and continued to lie and be abusive. 

The company referred to the process of intentionally hanging up the phone on a customer as being " professional. '' The company referred to employees giving incorrect information as being " professional. '' This shows a continued level of negligence and abuse. It was exactly this kind of disrespect that got the company reported years ago when they proceeded to retaliate against me for reporting them. I put up with their negligence and abuse for years before saying anything and it is disgraceful that they continue to engage in this conduct several years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-17 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at XXXXXXXX XXXX having been reported to ChexSystems. I never opened an account at XXXX XXXX and this account is fraud. I have called many times to XXXX XXXX but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called XXXXXXXX XXXX  they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/1999 SSN # : 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 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING hid who they represent on my XXXX, The original creditor use the excuse of the pandemic for why they could not work arbitration. They then sold the account to a debt buyer before the pandemic was declared over. XX/XX/year> would have been the statute of limitations in the state of Alabama on the credit debt, but LVNV funding After telling me, they would get back with me a lawsuit, got a default judgment a year after the statute of limitations was over And still refused to talk to me. They filed false documents with the state of Alabama for recording, which is a violation of Alabama state law and is being investigated by the attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/XXXX I received a XXXX from BMO Bank NA, XXXX XXXX XXXX XXXX XXXX SD, XXXX. I contacted the BMO Bank Fraud department and let them know that I have no relationship with BMO Bank and I did not open the account which is in my name and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The said the account was closed and BMO would do a internal investigation. BMO said that its appears to be identity thief and I also contacted the US Identify Thief, gov web site and used their tool kit to request my credit reports from the 3 major credit companies. I also file a police report with the local police sheriffs department. I requested from BMO what was the details on the account and they refused to provide that information. On XX/XX/XXXX I received a letter from BMO Bank fraud department that their internal investigation was complete and they found the account to opened properly. Again I have no relationship with this bank now or ever in the past. The requested additional information from me which would provide additional personnel details on my identity, I refuse to send anything to them as I believe they are part of the scam and should be shut down. My concern is someone is trying to use the card in and I'm getting notices that their insufficient funds so the requests have been denied, but I'm responsible for the bank services charges on an account I never opened. These letters have been coming in from XX/XX/XXXX up to the present day. I have contacted the Florida State Attorney General Office who recommended to contact you. I want verification that BMO has closed this illegal account associated with my name and company 's names closed and I'm not responsible for any charges.

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 2024-06-17 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: TX

Complaint narrative:
I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.

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 2024-06-17 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: TX

Complaint narrative:
I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX  I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.

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 2024-06-17 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark is a source of immense worry for me, as I fear its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial burden and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I went to a local bank for financing and they advised me I have a collection on my XXXX XXXX credit report from WAYPOINT RESOURCE GROUP LLC representing XXXXXXXX XXXX I called XXXX XXXX XXXX and they advised me to go to a local store to speak with the manager. I went to the XXXX XXXX store and the manager advised me that they could not see my complete account information due to the account being sold to a collection agency. The manager did share with me that there were 2 numbers listed for collection, they would only give me the last 4 digits of the phone numbers, XXXX & XXXX. I looked through my contact list on my phone and those numbers were never on my account. I then called Waypoint, I asked the rep to provide me with invoices proving the charges and she refused, and stated that the charges are valid and the only thing she would offer is a lessor payment, fromXXXX to XXXX. I advised the rep I knew nothing about the charges and would not pay anything until it was proven of what I owed. She got very rude and said " it's not my credit that's being ruined if you don't pay '' I asked her her name and she would not provide it. I asked to speak to her manager and she hung up. I called back to try to get a different rep and she answered the phone again, she asked me why am I calling unless I am going to pay her XXXX dollars, and hung up on me again. I filed a dispute with XXXX XXXX and then called them. after speaking to the XXXX XXXX rep she advised me to submit a report with the FTC and she opened another dispute on my credit file for fraud. She stated by law, the collection agency or XXXX XXXXXXXX has to provide me with documentation of the charges. She advised me once I get the report number to mail it and a copy of my SS card to the XXXX XXXX office to have the collection removed from my credit 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 2024-06-17 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:
SOMEONE TRIED TO OPEN A CREDIT CARD IN MY NAME WITH XXXXXXXX XXXX AND XXXX WAS NOT ME I NEED IT REMOVED FROM MY CREDIT REPORT AS IT HAS CAUSED MY SCORE TO FALL XXXX POINTS.

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 2024-06-17 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: AL

Complaint narrative:
SOMEONE TRIED TO OPEN A CREDIT CARD IN MY NAME WITH XXXXXXXX XXXX AND XXXX WAS NOT ME I NEED IT REMOVED FROM MY CREDIT REPORT AS IT HAS CAUSED MY SCORE TO FALL XXXX POINTS.

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 2024-06-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX of 2022 my unemployment account was hacked on 2 different occasions. Ive talked to there fraud department on numerous occasions. I still have not received any feedback from Bank of America

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