vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was served paperwork to be sued in court in XX/XX/2024. I researched the information in the summons. the summons had an affidavit stating that an employee had information on the history of the account and that the creditor had changed names. I mailed the company that represented itself as a debt collector, the credit reporting agency, the creditor at two addresses, and the lawyer on the lawsuit. The lawyer on the lawsuit had originally posed as a debt collector on a charged off account. I sent debt validation letter to ask for a wet signature on a contract with a creditor, the payment history, proof of debt assignment, and any insurance claims filed in connection with said account- please all attached documentation. I was only given a letter stating an amount was valid and the date it opened and the account in question statements and itemized bills. I have a right to request information in relation to the account in question. I have been given the run- around and not a response to my debt validation request that listed specific items that the worker/ employee stated that they have access to in the affidavit submitted.

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 2024-05-17 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: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
Apparently an account with XXXX was opened in my name at an address in XXXX, XXXX XXXX I have never had an account with XXXX nor have I ever lived in Mississippi. I was alerted to this account because it was placed on my Credit Report as a derogatory account and was in collections. The collection agency is Credit Management LP, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX account was opened XX/XX/year> and the amount owed is {$390.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : The Bank claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, The XXXX XXXX XXXX XXXX provided false information to the credit agencies.

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action

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 2024-05-17 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: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of 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 non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2024. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NV

Complaint narrative:
Equifax has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. Equifax has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with Equifax or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from XXXX XXXX XXXX, sold the data directly to Equifax and then Equifax ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between Equifax and the 3rd party, has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and even a roof over my head. 

The bankruptcy reference numbers are ( XXXX ) and ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Credit Karma was shown as an option to deposit my tax return on XXXX XXXX. At no time was it made clear that the funds deposited would have limits and huge service fees to access them. I've spent hours on the phone with them to find a resolution but they are not willing to change the limits available. 

I now have over {$10000.00} dollars that I can only access at {$1000.00} dollars a day with a monthly limit of {$5000.00} and each {$1000.00} dollar transaction is assessed a {$17.00} service fee. 

This company is a SCAM. Both XXXX XXXX and Credit Karma are profiting off of customers via misleading and incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MD

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 non-monetary relief
Consumer complaint received 2024-05-17 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed things off my credit reports they did not remove them so now I want to file civil liability for willing compliance 15 US CODE 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My credit was stolen and used in a different state last year. I had a Wells Fargo credit card and been with them over 10 years. Never missed a payment. Always in good standing state. Then my card got stolen and some one from different state used it and purchased over XXXX $ worth of items. I did what everyone else would which calling the bank immediately but they messed up my report and filed it as dispute then months later they denied it and told me I should of filed it as fraud even tho I have told them it was fraud. This been going back and forth for a year now. Wells decided to close down my account and report it to collection agency. I simply cant do this with Wells Fargo anymore, this is not a good way treating a customer who been with them for ages without having a single issue. I need help fixing this

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 2024-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

Thank you for your attention to this matter.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( XXXX, Equifax, and XXXX ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I`m requesting under the Cares Act Law that was enacted by Congress that seven of my late payments on my credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) be removed as they were reported 30 days late during the XXXX  Coronavirus Pandemic. I would like all credit reporting agencies XXXX, Transunion, XXXX as well as my bank XXXX to remove these as it a poor reflection on my credit history. The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis. I was unaware that lenders were supposed to do this and my accounts have been current for a five years. This negative reporting has affected me financially in my borrowing and payments.

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 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/year>. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/2024. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Gemini Direct LLC, dba Credit Innovation Group
State: TX

Complaint narrative:
I had Hired them to help clean up my credit reports, after paying them {$560.00} over the last XXXX  days. I keep very close eye on my credit reports and they have done nothing other than get an account removed in good standings, So i contacted them to cancel my service and all i get is the run around tell me they wont cancel until i pay the another {$120.00} for services they did not do. 



My email to Them XXXX, As of this moment your services is canceled, i keep very close eye on my credit reports and yall have not done anything on it. I have gotten more done in XXXX  days than yall have in XXXX  days. STOP MY SERVICES IMMEDIELTY. 

His Email I would need you to call us to cancel. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, UT XXXX XXXX XXXX Credit Innovation Group ( XXXX ) XXXX email : XXXX XXXX I have already called them and they said the will not cancel until i pay them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief