vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted registered securities that were suppose to settle the accounts with the following account numbers # XXXX, XXXX, XXXX, XXXX. They were sent out on via XXXX via Registered Mail with the tracking # XXXX. They did not settle the account, nor did they send me the Securities back as per UCC 3-603. Bank of America is committing Securities Fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market which is Illegal because in their XXXX and XXXX XXXX Bank of America stated it would not. As a bona fide purchaser I exchanged value for property without any reason to suspect irregularities in the transaction. By definition, a bona fide purchaser can not have actual or constructive notice as to defects in the seller 's right to transfer title to the property. However based on the UCC lien filings that Bank of America has in Delaware the debt was never belonged to me and Bank of America is actually the debtor and XXXX XXXX XXXX XXXX is the secured party. Bank of America and XXXX XXXX XXXX XXXX are the seller/buyer based on the UCC filing and I am not part of this transaction.

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 2024-03-08 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-03-08 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: CA

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. ACCOUNT NAME : Dept of EdXXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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 ) ( 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 2024-03-08 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XX/XX/year> I did not authorize this company to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Upon reviewing my credit report I noticed a suspicious inquiry from American Express dated XXXX XXXX, 2023. This is a violation of 15 USC 1681 which constitutes fraudulent activity and also a breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for this inquiry. This is needed to validate the inquiry. I did not authorize any employee by this company to make any inquiry and view my credit report. I do not have an open account on my report with them as well. Finally, I demand a wet ink production of my signature authorizing the inquiry. If you are unable to provide me this information in 3-7 business days, I demand you DELETE THIS DEROGATORY and unauthorized inquiry from my consumer report in which I gave you no wet ink written consent to furnish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
XX/XX/XXXX @ XXXX I called XXXX -- XXXX XXXXWells Fargo Credit Card Services and spoke to XXXX XXXX '' CSR customer service ] I discussed the possibility of settling my Credit Card debt [ {$3800.00} ], due to XXXX, illness, and a decrease in income. My offer was {$1500.00} XXXX countered with {$2100.00}. I declined because I was unable to perform. I was receiving phone calls and letters of past due and late fees as I continue to write to the numerous and varying addresses in hopes of getting a settlement. I sent letters XXXX. [ XXXX ] XX/XX/XXXX. All requesting settlement. Meanwhile fees are mounting and I am getting nothing but harassing debt collection phone calls. I blocked the calls. Actively searched online and and CSR " XXXX '' contacted me on XX/XX/XXXX. After a lengthy conversation and requesting contact by email, she informed me, she was unable to accept the settlement because it was not her department, but advised that she would get back to me. My request to XXXX was to have someone of authority, a Manager contact me via email. Today, XX/XX/XXXX I got an email. I call XXXX spoke with CSRXXXX and requested a Manager. XXXX, Escalation Team Member, spoke to me. He reviewed notes in the file and I reviewed with him the difficulties and frustration with trying to get this debt settled. I read my offer : My offer of {$1700.00} still stands WITH this agreement this debt will be paid in full to Wells Fargo Card Services. The offer was not accepted and the debt will be charged off at the end of the this month. Prior to I had never missed a payment or was late.

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 2024-03-08 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year> I contacted Midland Credit by mail requesting validation of the two accounts they are reporting on all three credit bureau 's. They have yet to respond but continue to call and threaten me with wage garnishment and law suits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
Three years ago I applied for a credit card upgrade with XXXX. They approved, but for reasons inexplicable they sent the card to an old address. And the invoices. Six months later I received a call from a collections company for a card I never received. I called XXXX and it took weeks to sort it out and they identified their error. By that time this had been reported to the credit bureaus. I went online and fixed the problem instantly with XXXX and XXXX. TransUnion required me to verify personal information, including addresses where I previously lived. None of the addresses were correct. I contacted them and they said I was in error. It became too much effort and I moved on. Three years later, I'm still seeing my TU score impacted by this mistake. I reached out to TU and they will not provide an online copy of my credit report, and, for me to dispute it I have to guess at the error because I can not see the error. They require verification information of which 0 % is accurate ( all the addresses they present to me as my prior addresses are wrong ) and there is no way to fix this. I have spent hours and hours trying to fix this. What is most painful is that XXXX recognized this problem and they have tried to fix it with TU, but TU requires me to start a blind dispute. Ever interaction with TU is going in circles and " wait 24 hours '' for nothing to change. I think the FTC should shut down TU : by comparison, the other two bureaus solved this in 20 seconds and TU is years into no progress at all. They ask for documentation, which doesn't exist. They ask for validation of incorrect information. How ancient are their systems? There is a point where fraud and un-navigational processes are indifferent, therefore the same. That's how dictators survive and that's how TU is staying in business.

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 2024-03-08 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Due to financial hardships, I incurred a late fee. As I planned to pay off my credit card, I requested the {$40.00} late fee to be reserved. Capital One refuse to refund me for the overly expensive junk fee. I will no longer be using this card, and will be refinancing my vehicle so I dont have to deal with this company anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a checking out with CitiBank on XX/XX/31 after seeing an advertisement on their website for offering {$300.00} to new clients who open an eligible account and deposit at least {$1500.00} in direct or enhanced deposits. I selected the get started link that was located directly below the advertisement after reading the offer details. I completed the required deposits within XXXX  days and called to check on the status of the {$300.00} bonus. I was told that my account did not have the promotional offer applied and there was nothing they could do. The supervisor, XXXX, insinuated that I had failed to follow the correct link for the promotion. I feel very XXXX because I could not have done more on my end and Citibank is refusing to take responsibility of their faulty website.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am not familiar with this account that popped up on my consumer reports from Bulk City Financial Sol. I also don't recall getting any correspondence for this account and can not remember having and account with this company. I discovered this on my report XXXX of 2024 and still have not received anything in the mail in regards to the original correspondences that was sent with the tracking number via certified return receipt. According to the rules around debt collection consumer should b provided the opportunity to dispute the validity of da debt via proper validation and per this rule and laws commutation in the connection of a debt MUST be communicated within XXXX  days I asking for the commutation in the connection of this debt by requesting that Bull City Financial Sol provide documented proof that I was provided my rights to dispute this debt before parking it on my consumer report by providing me with the certified return receipt showing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was notified through an email that a new Jefferson Capitol Systems account was added to my XXXX credit report. It states that I owe {$860.00} to XXXX XXXX. 
It also states the date opened was XX/XX/XXXX. However upon checking my credit report with XXXX, it stated that the account was opened on XX/XX/XXXX and that I also owed XXXX {$860.00}. I filed a dispute through XXXX immediately after discovering I was a victim of fraud and or identity theft. I hereby state that I never had an account, applied for credit, or have knowledge of ever opening an account or owing money to XXXX or Jefferson Capitol Systems who is a collection agency for XXXX. 
I further state that this action against me is fraudulent and I should not be held responsible or liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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