vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: TX

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 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 2023-09-22 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:
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 2023-09-21 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: MD

Complaint narrative:
You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached. Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.

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 2023-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a call that went to voicemail saying : This is an urgent message intended for my name is XXXX contacting you in regards to a complaint scheduled to be filed out of XXXX XXXX if you will not be available receive and sign for documents or if you are unaware of anything pending, it is urgent that you contact us back, at XXXX with reference number, requires immediate attention or we will be forced to move forward without her participation. 

I called back and they said they are calling on behalf of a creditor for a previous car loan back in XXXX. Saying I owe {$6400.00} I ask them for what vehicle because I did not have a vehicle solely in my name for 12 plus years and since been divorced from my ex husband. They said they will not give me the year make and model of he vehicle so I can be sure that the account or money owed is actually my debt and to get this information I would have to subpoena them for validation of debt and by that time I would already be sued by them and they will add an addition {$1500.00} in court because they rather get extra money than to give me all the info over the phone to prove to me that the debt belongs to me. I am unfamiliar with any of this information they provided. They claim they sent a letter I never received and now they are forced to move forward with suing me. I asked them for some type of documentation to understand what was going on but they only agreed to send me and email with a document. I asked them how long I have to respond and they gave me 48 hrs. I received the email but there is no address. I called back to get the address and the address they gave me doesn't contain any information regarding their name XXXX XXXX XXXX XXXX. I tried to reverse lookup the number and im only getting a website saying other people were called with the same issue by this number. Also, when I called the number there is no name or anything just a generic the person you have called is unavailable please leave a message. I called back and then got a guy who wouldn't tell me what all this was about. I call back again Then I got a girl named XXXX XXXX who says she has an assistant named XXXX XXXX who sent me the email. I voiced I was concerned that this was a scam and that I would like to make sure that the debt belongs to me. And she said the email was all they could send, and only when I'm sued and summoned to court will I get all of the information regarding the debt. Also Im concerned because I live in XXXX  and any debts I have is only from my previous residency in 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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has charged me a {$12.00} monthly maintenance fee several times incorrectly. I have called in the past and have been able to rescind the fee. However, in XXXX of 2023 it happened again. I called XX/XX/2023 ( spoke with XXXX in Florida and XXXX in North Carolina, 2 bank of America employees ) and explained the fee was charged even though I maintained the daily minimum balance required by the bank to have the fee waived. This is evident in my bank statements. There was no follow-up action or call to my request and query. The fee has been charged once again this month ( XX/XX/2023 ) and I again am awaiting a call back from Bank of America to explain once again why the fee is being charged even though it is clear the conditions for a free checking account are being met.

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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A check for {$400.00} was issued and cashed, and the funds withdrawn from my bank. 

Capital one then stole the funds and is refusing to release them to our employee and charged her additional fees as well. 

They have committed wire fraud and conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: AZ

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence 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 2023-09-21 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
What Happened? 

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding an unauthorized chargeback that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence.

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 2023-09-21 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from 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
Consumer complaint received 2023-09-21 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: TN

Complaint narrative:
I disputed accounts with Equifax on XX/XX/XXXX and it costed over {$80.00} to send these letters. I found info that was really alarming to me on these accounts : Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX : XXXX Equifax responded that these accounts were verified so I mailed in another letter on XX/XX/XXXX asking them their methods of verification and stating these accounts be removed and I have not gotten a response back or any acknowledgement to my letter that was mailed. 

Equifax has been violating my rights by not reporting accurate information on my credit file and they are avoiding doing the right thing and getting these errors removed. According to USC 1681, credit agencies must report information in regards to any consumers accurately and this not the case here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I deposited a retirement check from XXXX XXXX XXXX XXXX ( XXXX ). It was a corporate check and should have cleared immediately. Instead, after I made the deposit, Bank of America informed me they would release some the next day, 1/3 in two days and the rest on the following Monday. They gave me a receipt to this effect. 

Instead they are holding all funds until next Tuesday and didn't release any of it. This is unconscionable.

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