vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: AZ

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy Equifax and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to Equifax, XXXX XXXX and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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.

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title Equifax and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto 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 explanation
Consumer complaint received 2024-06-02 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: CA

Complaint narrative:
An unknown suspect obtained my name and Social Security number by unknown means. The suspect then used that information to rent an apartment with XXXX XXXX at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( Phone # XXXX ). That account was then sent to collections with an agency called Property Receivables Corp which is located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( Phone # XXXX ). The company that rented the apartment to the suspect was contacted and advised that the account is unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-06-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the XXXX Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of XXXX closed accounts on my TransUnion credit report XXXX The accounts in question are : Inquiries due to Identity Theft : 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 XXXXXX/XX/XXXX Transunion 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 XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, 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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
First of all I owed an certain amount on my credit card that was higher last month than this month. I paid a monthly payment that was less than this upcoming payment and owed more money last month than this month. Please see attached information.

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 2024-06-01 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: AZ

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
Good Afternoon, I was recently reviewing my checking account statement and noticed that from XX/XX/XXXX to XX/XX/XXXX, NFCU have charged my account excessive amounts in return item fees or overdraft fees. 

Optional Overdraft Fees : {$340.00} Returned Item Fees : {$400.00} XXXX Total Fees : {$740.00} Optional Overdraft Fees : {$600.00} Returned Item Fees : {$580.00} XXXX Total Fees : {$1100.00} Total Fees Paid to NFCU in the past 17 Months : {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-01 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: MO

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and XXXX disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report. In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. *** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, 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 2024-06-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: UT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against MyPrepaidCenter.com and Blackhawk Network Holdings , Inc . 

Upon receiving two prepaid cards issued by XXXX XXXX, XXXX card worked properly while the other was restricted to online merchants only. Despite promises from MyPrepaidCenter.com representatives to reissue the restricted card to match the functionality of the other card, this never occurred. 

I am currently residing in a XXXX XXXX XXXXXXXX and my restricted card has now expired with funds still remaining. Attempts to resolve this issue via MyPrepaidCenter.coms phone, email, and self-service options have been unsuccessful. 

I urgently need access to these funds. If this issue is not resolved within ten business days, I will pursue legal action in small claims court. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : Equifax XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, 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 2024-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have never done business with AMSHER COLL and I do not owe any alleged debt to them. This company has no right to collect any debt if they are not the original creditor. Furthermore, the listed original creditor has received and equipment and payments listed on the file. I have attached the receipt of the return to the original creditor. AmSher Compassionate Collections violates several laws including 15 U.S.C 1681 Section 604 A Section 2, 15 USC 1692b ( 2 ), and 15 USC 1692e ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I lost my wallet in XXXX. Around that time, ive notice unauthorized accounts starting to appear on 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 2024-06-01 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX acct # ending # 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 an account without my written instructions.

Company response to consumer: Closed with explanation