vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: CA

Complaint narrative:
I contacted Experian via phone and US mail to tell them about an account on my credit report that did not belong to me. XXXX notified me that my confidential information was leaked during their data breach and that accounts were a result of identity theft. I have sent Experian my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that those accounts are not mine because i did not recieve any goods or services from the creditors and the creation of those accounts were not authorized by me. XXXX has already corrected this inaccurate data on their end so i dont understand why Experian hasnt done the same?! These inaccurate accounts are detrimental to my credit health and are making my finances take a toll for me and my family. in addition, the accounts are over 7 years old isnt that against the law? to continue to report old information? Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and Experian is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 604 15 USC 1681B , FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove these inaccurate 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 2024-02-17 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: OK

Complaint narrative:
This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I had a credit inquiry submitted that was made without my consent. This occurred on XX/XX/2024 and it was done through Citibank / Best Buy. 
I was no part of it so this is fraud. I have placed a security alert on my account but need to get the inquiry taken off my credit record since it was not authorized.

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 2024-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
At the start of XXXX, I canceled my account with XXXX. On XX/XX/XXXX I was charged by XXXX and was not sure why. I contacted XXXX via chat on the XXXX and asked why. They informed me that it was the final bill. I asked the rep if that would be the final payment and he said yes. On XX/XX/XXXX I received a letter of owing money. I was confused due to the conversation I had in XXXX. XX/XX/XXXX I called XXXX. I talked to a representative and she said she could not find my account and it had been closed. I did not owe the company anything. I could ignore the letters. So XXXX, I did so. And did not receive any other letters after that. I was never informed that a bill was sent to collections. And was never contacted by the collections office. I went to apply for a loan and was shocked to find out my credit had taken a hit in XXXX due to this bill XXXX told me I did not owe in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My account is not able to use old ID and password due to a take over from Bank Of The West. I tried several times to contact BMO on the phone and online. All I get is call waiting and then a disconnect. Then finally I get someone to tell me that I need to go to a BMO bank in person to set up online. This is not a good way to start a relationship. And interest rates are 27.99 %. This bank is total 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 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was searching XXXX XXXX XXXX XXXX for an unrelated matter when I came across something shocking which stipulates a default judgment has been entered against me by and for a company named CACH LLC with legal counsel for them named as XXXX XXXX. The summons date is listed as XXXX XXXX  XXXX with a default judgment entered XXXXXXXX XXXX  XXXX and a garnishment notice served to a former employer XXXX of XXXX. So here 's the issue. I have lived in the same house I am currently in since XXXX, I haven't worked for the employer they allegedly served in XXXX since XXXX, moreover, I did not have any 'bad or outstanding debt ' to my knowledge since XXXX. I can say this with certainty because my job at XXXX Police Dpt required me to have good credit, which they checked themselves, and found one collection account that I was required, prior to employment, to bring into compliance which I did through a settlement of the debt amount which was paid as stipulated and proof had to be provided to my then employer XXXX Police Dpt. I have not applied for or taken out any other credit cards etc for well over 10 years and have no outstanding debts in collection etc. as per my credit reports. Upon seeing this I recalled a number of years ago some random judgment showing up on my credit report ( I have credit monitoring due to identity theft issues I have had to contend with ) which I disputed because I thought it was entered in error against me. It was removed thus I thought the matter was closed and in fact was entered in error. Now that I have come across this... I am quite concerned not only about what this debt could be but the tactics being XXXX and the reliability of the information/legality of any information they have apparently presented to a court without my knowledge or ability to defend myself even though serving me at my home was quite possible since I have been in the same place for 10 years. When I looked up this CACH LLC I have come across a flurry of stories with attorneys pages listing the tactics of this company which claims this company often violates the provisions of the FDCA as well as allegations they have violated Consumer Fraud and Deceptive Business Practices Act via similar state court actions and they apparently often conduct themselves this way in trying to avoid, allegedly, having the debtor know of the court filing so they can't challenge the information being presented and/or defend themselves. I am concerned not only for myself but for the public writ large since this apparently is a common practice of this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I Got Charged On My Chase Account From Something Random. & It Cost Money To Fix That? Thats In Inconvenience That I Didnt Cause Doesnt Make Sense How I Should Need To Pay? It Should Already Be Refunded To The Company That Charged Me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). 

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA. 

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against Wells Fargo Bank, their way of doing business, and treatment of Customers. And last but certainly not least- as their record / reputation validates- being an easy target and Gold Mine for identity thieves. Both Wells Fargo and the identity thieves have opened accounts in my name, and without my authorization. I cant get into my account, because I didnt open it. And to make matters worse, Wells Fargo will not help me get into my account, which is opened in my name, by utilizing my personal information. As stupid as this Sounds, it is so true. And Wells Fargo is the expert in giving the run-around,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 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: LEXISNEXIS
State: AL

Complaint narrative:
XX/XX/year> Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, Ga XXXX Complaint Regarding Unauthorized Furnishing of Bankruptcy Account Information To Whom It May Concern, I am writing again to lodge a formal complaint regarding the unauthorized issuance of my consumer report by Lexis Nexis for an impermissible purpose. As a consumer, I am deeply concerned about the potential misuse of my personal information and the breach of my privacy rights. 

I became aware that Lexis Nexis had released my consumer report to the credit reporting agencies. Upon further investigation, it became evident that this release was not in line with permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As per my understanding, Lexis Nexis is obligated to ensure that consumer reports are only provided for purposes such as credit eligibility, employment screening, insurance underwriting, and other lawful purposes specified under the FCRA. 

However, the purpose for which my consumer report was accessed does not fall within these permissible categories. This unauthorized access not only violates my privacy rights but also undermines the integrity of consumer reporting practices. I demand an immediate reinvestigation into this matter and request that appropriate actions be taken to prevent such incidents from occurring in the future. Additionally, I expect to be provided with a full explanation of how and why my consumer report was accessed for an impermissible purpose. 

Furthermore, I urge Lexis Nexis to review its internal procedures and safeguards to ensure strict compliance with the FCRA and other relevant privacy regulations. Consumers entrust their sensitive information to organizations like Lexis Nexis with the expectation that it will be handled responsibly and ethically. 

I anticipate a prompt and satisfactory resolution to this matter. Please acknowledge receipt of this complaint at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I spoke to a representative at Equifax in the beginning of XX/XX/2024 and sent in a letter to dispute items on my Equifax report. There are several things negatively affecting me and making it extremely difficult to get funding or approval for anything. In my letter to them I advised them I wanted my accounts updated to paid as agreed which is my right per US Code 1681b - Permissible purposes of Consumer Reports. I never gave them written permission to post or publish anything on my credit report. US Code 1681b a. ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax also violated my right to opt out of my private information being published per USC 15 6805 & 15 USC 6803- Disclosure of institution privacy policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: CA

Complaint narrative:
In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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 2024-02-17 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: OK

Complaint narrative:
This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: OK

Complaint narrative:
This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX 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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, a credit bureau must delete accounts off of a credit that is older than 7 years. XXXX XXXX is an account that is showing on my credit report and it's older than 7 years. The FCRA confirms that this account should no longer be showing. When looking on my Equifax portal, there is no option to dispute this electronically. Here are the details of the account : Credit Bureau : Equifax Creditor : XXXX XXXX Account Number : XXXX This account has reached its age limit and must be removed via Fair Credit Reporting Act standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ).

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA.

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on 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 non-monetary relief