vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts inquiries listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: BOK FINANCIAL CORP
State: OK

Complaint narrative:
The Bank of Oklahoma in violation of 15 USC section 1 and 2 utilized unfair practices to cause the respondents account to be delinquent. Bank of Oklahoma through credit discrimination utilized private information i.e., email to commit wire fraud in order to place the respondents account delenquent with XXXX XXXX to obstruct and impede trade and commerce. Bank of Oklahoma subsequent openn8ng of secured credit card to build credit inappropriately used the respondents information to cause harm and injury through the utilization of XXXX XXXX to deny further usage of the Bank. The bank using unfair practices misused the respondents information to leverage account and deny utilization of any other bank given the complaints ignorance. Furthermore, Bank of America using a third-party debt collector charged of accounts without providing the repondent with 1099 A, 1099B, 1099C, or 1099OID. Bank of Oklahoma breaching the contract by data breach placed the plaintiff in a compromising position. Moreover the Bank failing to take the proper precaution to protect the consumer cash a fraudulent check after using the complaintaints information to disguise as a opprotunity to nake extra money as a car wrap company. Equally important under HJR 192 there is no money and only unlimited credit which the bank intending to oppress and suppress complaintant demands the debt to be paid with a debt after using the respondents social security number to benefit and enrich Bank of Oklahoma. Bank of Oklahoma being responsible for the delinquency demands payment after breaching information to obstruct commerce. The bank using the respondents XXXX XXXX XXXX XXXX XXXX under the Social Security Number requires payment after failing IRS forms to charge off the account. Bank of Oklahoma using XXXX XXXX to obstruct the life, liberty, and pursuit of happinessmisappropriate tgeir fadicuary duties to hinder Power of Attorny over the account to disallow respondent tge ablity to utilize Other Peoples Money ( OPM ) to benefit the posterity and prosepeety of African-American Bankers. Bank of Oklahoma being aware there is no money reportedinformation to XXXX XXXX unfairly to disallow future utilzation of the bank after coming into the knowlegde of banking and trust after applying for secured credit card. The Bank of Oklahoma using unfair bank practices to obstruct growth of XXXX XXXX used a third party collection agency XXXX XXXX  ) to collect a debt. In addition, both the Bank and third party reporting agency using unfair practices in violation of tge Fair Credit Reporting Act reported the debt a charge-off through the third-party agency after causing the delinquency. Bank of Oklahoma in violation of tge Fair Credit Reporting Act Section 609 provided information to a third-party debt collector without permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-09-24 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-09-24 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-09-24 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: NJ

Complaint narrative:
I received a XXXX XXXX XXXX XXXX with a limit of {$500.00}. 
XXXX XXXXXXXX allowed a merchant that I had done business with in the past to charge an additional {$1300.00}. 
I disputed the amount. It was incorrect. And, my limit was only {$500.00} and I did not approve this transaction. 
When i got the bill I attempted to make a minimum payment on the total {$1800.00} so that I dont get reported late. While, trying to resolve the balance. HoweverXXXX XXXX XXXX insisted that I pay the entire amount above the {$500.00} limit at once. I was unable to. And, they reported me late and closed my card. This has made my credit score drop XXXXXXXX XXXX  I took them to small claims and agreed to pay in full just to remove this negative on my report. The lawyer was adamant that his client wont settle. This is their tactic to make money off their client. Losing my credit has made my life a living hell.. I should have been allowed to make minimum payments so not to be reported 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 2024-09-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-24 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: PA

Complaint narrative:
Experian Credit Bureau sent me an email stating that they had system issues with their Boost product. The failed Boost product kept removing information from my credit report. I called numerous times and Experian refuses to fix this problem but kept reducing my credit rating. 

Experian Credit Bureau reduced my credit rating which resulted from their failed Boost product. Additionally, Experian keep repeatedly removing credit information showing payments that I had made. I filed a complaint with the XXXX XXXX XXXX  ( XXXX XXXX XXXX ) and they failed to respond to the 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-24 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XXXX XXXXXX/XX/year> I deposited {$XXXX} CASH into the ATM at the TD bank at XXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX. The receipt states " We are unable to provide the details of your deposit at this time. '' I have reached out multiple times to resolve this issue. I was told the money would be in my account in XXXX business days. Today XX/XX/year> a supervisor told me they do not know when I will get my money. I am currently unemployed and need that money returned to me as soon as possible. The reference number they gave me is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-24 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: MN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I sent this company a letter of validation and requesting a XXXX since the debt has been written off and charged off. I need the XXXX for my IRS records. The company send me a computer generated statement that doesn't validate nor verify the debt, I reported this debt as a identity theft but the response was they didn't care, it's gon na remain on my record. They have failed to submit a written signature of mine, a permissible purpose, the purchase agreement and the insurance claim of the debt. 

This company never notified me of this debt to be placed on my credit file. I should have had XXXX letters/warning given to me with the opportunity to dispute this debt, but they decided, without written consent to place this on my credit file. 

This creditor is listing the account as charged off/written off and still owed a balance, how can it be charged off, written off, and still seek me for a balance of {$XXXX}. The balance owed is incorrect as well. 

This creditor continues to report for 9 months that the balance is charged off. Reporting a charge off continually is a violation of statute of limitations.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : XXXX, Equifax, and XXXX. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. XXXX, Equifax, and XXXX continue to claim the account has been verified, just XXXX days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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 am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : XXXX, XXXX, and Experian. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. XXXX, XXXX, and Experian continue to claim the account has been verified, just XXXX days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I 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 non-monetary relief
Consumer complaint received 2024-09-24 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation