vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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:
This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process.

2. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification. 

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my 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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I saw an unusual creditor on my XXXX report and dispute it immediately bevaus I never heard of company named DRS the dispute came back stated I owed debt which is puzzling because I never heard of them nor have I open anything during the End of XXXX time frame I know because I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at my home which I know whoever opened that debt was fraud while othe fraudulent acts occured because I had to close my bank due to this nature to focus on my mom during her XXXX of life stages. So this debt is not mine and is fraud. I called today XX/XX/2024 the company DRS they couldn't find me in their system either which is more confusing l, so now I want this cleared off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: WA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I am writing to formally submit a complaint against Exeter Financial for the following reasons 1.inaccurate reporting Exeter Financial has reported inaccurate information regarding my account to credit reporting agencies, This misinformation has adversely affected my credit score and financial stability.

2. Misuse of Federal Reserve Loans, I am concerned that Exeter Financial may be abusing loans obtained from the Federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3. Abuse of Insurance Policy, Exeter Financial charged me and continue to charge me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden for me. 

4. Exeter Financial is in violation of the FCRA and Privacy Act of 1974 as I havent received a Privacy Notice from them to be able to Furnish to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion y XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion y XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-13 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 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 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 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I was past due on my loan due on XX/XX/year>, I paid two separate payments on the online system on XX/XX/year>. One for {$290.00} and the other one for {$700.00}. I paid the late payment, and the corresponding fees associated with the payment. Once I checked my balance most of my money was applied towards the interest of my loan and also for the payment due for XXXX. So, I don't have a payment due until XX/XX/XXXX. On the online system it does not disclose or specify any additional payment made thru the online portal will be credited towards principal. Once I realized the issue I went to the store location on XX/XX/year> to resolve this issue and they advised they could not help to contact the corporate office. I contact the corporate office on XX/XX/year>, and they advised me to contact the store location. I have gone in circles with this matter. I went to the store location on XX/XX/year>, and the district manager was there. She advised the problem could not be resolved, she had contacted her IT department and nothing could be done in regards to this matter. I specifically asked where in the contract could she point out that any additional payment would be credit towards interest and the principal. She could not help me either. I told her I wanted to speak to IT department to understand how this happened. She advised I could not the last point of contact was her.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I filed bankruptcy and the account was included in the bankruptcy, Security Services. I disputed the information on XXXX and it came back as verified correct. I called their customer service number and the rep said they would remove it and it is still there. I called back and they said they are unable to remove it because its been verified twice and to contact the consumer finance bureau to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
XX/XX/XXXX MY XXXX NAME READS : XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXXXXXX XXXX XXXX XXXX, VA XXXX MY DOB READS : XX/XX/XXXX MY SSN LAST FOUR READS : XXXX My First & Last MIDDLE name are as follows : : XXXX XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXXXXXX, VA XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX, VA XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXXXXXX, VA XXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER EXPERIAN WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES ALIAS THATS NOT IN THIS LETTER THAT IS HOUSING ON YOUR PLATFORM! 
AFFIANT .ShaideXXXX XXXX XXXXXXXX. Beneficiary OF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE

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 2024-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children.

I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-13 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:
Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-13 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: FL

Complaint narrative:
These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America customer for last 24 years. However, I am surprised by the scam run by them. 

On XX/XX/XXXX I signed up for a CD with Bank of America. account # XXXX. 
The interest rate on the application was 5.00 % APY. for a term of 7 months. The interest payment is monthly and the method is reinvestment. 
I filled the application online and verified my credentials at Bank of America branch at XXXX XXXX XXXX XXXX, XXXX CA XXXX. 

The online CD account itself is not accessible for information. It shows a number/amount with no details about the CD. 

On XX/XX/XXXX, this CD matured and auto-renewed. No email or documentation was sent to me at the time. I was on travel at the time and could not visit the bank personally. However, I expected the bank of send me correct information or provide access to that information online in their app. 

On XX/XX/XXXX, I received a letter saying that the fixed term CD will mature on XX/XX/XXXX. Again in the note, there is nothing clearly stating my interest rate. 

I went to the bank branch in XXXX, CA, today ( XX/XX/XXXX ) to figure out my next steps regarding the CD. 

This is where I learn that the original CD interest rate of 5.00 % APY was changed at the XX/XX/XXXX, renewal to 0.03 % APY. This resulted in a significant financial loss to me of almost {$3000.00}. The interest rate at Effectively Bank of America is running a scam. They are getting folks to sign up on CD 's with promising interest rates ( 4 % to 5 % ) for the first term, and then renewals at near 0 %. This is resulting in losses to investors in the CD and also significant loss of trust of the Bank of America- who is reputed as a good bank. Not anymore.

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 2024-11-13 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized credit inquiries appearing on my credit report. These inquiries were made without my authorization or consent. I request that the following inquiries be immediately blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Inquiries 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 submitting this formal complaint regarding three student loan accounts with XXXX that are incorrectly reporting a 90-day late payment for XX/XX/XXXX. Despite sending seven dispute letters over the past seven months, there has been no resolution, nor has any verification method been provided. 

The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account XXXX Date Opened : XX/XX/XXXX There are no prior late payments on these accounts, making the 90-day late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. 

Please find attached my notarized affidavit and original dispute letter with date and time stamps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9900.00} INQUIRIES : 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 non-monetary relief