vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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: TX

Complaint narrative:
I have made multiple attempts with the Fraudulent Company as well as EXPERIAN to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from EXPERIAN. EXPERIAN IS Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX EXPERIAN STILL HAS NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. XXXX, AND XXXX HAVE HONORED AND REMOVED THE ENTRY FROM MY CONSUMER REPORT. Further, Here is PROOF FROM THE SECRETARY OF THE STATE OF TEXAS. THERE IS NO LIEN OR LOAN IN MY NAME THAT I OWE ANYONE!!!! THIS PROVES THAT OFFICE ATTY GENERAL XXXX IS REPORTING FRAUDULENT, INACCCURATE INFORMATION!!!! I HAVE DISPUTED THIS FACT MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN REFUSES TO REMOVE THIS ACCOUNT. THERE FORE THEY ARE GUILTY OF A COUP WITH THE OFFICE ATTY GENERAL XXXX. I WANT THIS ACCOUNT REMOVED IMMEDIATELY. I WANT {$5000.00} IN DAMAGES FROM EXPERIAN FOR WILLFUL NON COMPLIANCE.

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 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: January Technologies, Inc
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on www.nmlsconsumeraccess.org This is a violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I became unemployed and filed for Unemployment Insurance with CA XXXX. A XXXX prepaid debit card was mailed out to me. However I never physically received it ( I did not have possession of the card at any point in time and therefore I never activated it with my credentials ). On XX/XX/XXXX, I logged into my online account with Bank of America and discovered that there were several charges/transactions ( in the amount of {$3500.00} ) that I did not make and/or authorize anyone on my behalf to make. Some of the charges were from out of state ( New York, which I have never even traveled to ) I immediately filed a claim on XX/XX/XXXX with Bank of America and disputed the charges. The claim was denied on XX/XX/XXXX. I appealed the claim on XX/XX/XXXX and reopened the claim with Bank of America for reconsideration. Once again, Bank of America denied the claim on XX/XX/XXXX. I proceeded to file a police report and faxed that report along with a copy of my drivers license directly to Bank of America on XX/XX/XXXX for further investigation. I have requested a copy of all supporting documents that they relied on to deny my claim a total of 3 times and have never received those documents. Please note that there are additional fraudulent transactions/charges made in the amount of {$63.00} on a separate claim that are also currently in the process of being disputed with Bank of America XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 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: MD

Complaint narrative:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: SC

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX i received a text message from phone number XXXX ( XXXX ) XXXX who I thought was from USAA. XXXX stated USAA : your access has been XXXX due to unauthorised use. Kindly, visit https : XXXX and verify your information to restore access. I clicked on this link and verified my access. On XX/XX/XXXX, my card was declined for an {$5.00} purchase. I logged in on my mobile app and saw my accounts were emptied and there were XXXX transactions from my account to an external bank, that does not belong to me. Amount were {$3700.00}, {$910.00}, and {$810.00}. I called USAA the same evening on XX/XX/XXXX to report this. I also filed a police report with the XXXX Police Department ( case number XXXX XXXX XXXX ). XX/XX/XXXX, USAA stated that I liable for the charges because I verified this account. However, I did NOT add any external account on my profile. I requested for this to be reviewed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Lexington law years ago, can't remeber when charged me upfront for their services. I don't know if they over charged me or what laws they've broken, now that I found out they've been scamming people this whole time I'll do more research

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROCKELBANK INC
State: CA

Complaint narrative:
Student loans were supposed to be in forebarance as of XXXX, when I spoke with the loan department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer adjustment placed a collection on my credit report for a XXXX XXXX XXXX. I have no knowledge of this debt and have disputed and requested validation which they have not provided. XXXX and XXXX also have not investigated this when I disputed it and report it accurate 1 day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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:
After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!

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 2023-08-30 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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Factual Data XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.

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 2023-08-30 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: IL

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX bill XXXX XXXX sent full account to XXXX XXXX refused do boosts on credit XXXX faked addresses and more does not listen written documentation or by phone sending tons redo this or type this not your ideas and your idiotic perspective on my credit data. Tons of it. Even sent full list employment with dates addresses nonstop. Department of education loved deleted all credits data schools and dictated what they think opinion of colleges. Not facts, received XXXX fraud transcripts then dictated colleges are inefficient to all and incompetent to all. XXXX XXXX XXXX, XXXX Iowa XXXX Iowa, Iowa XXXX XXXX so much more.

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