vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in 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 2024-09-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BK OF AMER 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 2024-09-23 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
this company has been reporting an account that i do not recognize on my credit. I've previously recieved phone calls and have tried to resolve because it is hindering me from getting a home to rent. i know that the law is contract and i do not have a signed contract with this company. they have also illegally obtained my personal nonpublic information without my authorization which is in direct violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
Follow-Up on CFPB Complaint XXXX As I have already brought this matter to your attention, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates.

XXXX  XXXX  : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : XXXX. Immediate removal of the inaccurate information that your company is reporting to my credit. 
XXXX. If you do not remove these accounts, I will be forced to sue for compensation of damages. 

Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary. 

Estoppel by Silence : Your failure to respond or act within the required timeframe reinforces your noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( XXXX ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX BALANCE {$840.00}, XXXX XXXX XXXX BALANCE {$530.00}, I XXXX XXXX BALANCE {$830.00}

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 2024-09-23 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2024-09-23 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home or my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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 recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home or my family. Please remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
Subject : Debt Collection Activity Related to Identity Theft Company Involved : Bank of New York Mellon XXXX Mortgage, XXXX Description of the Complaint : I am filing a complaint against the Bank of New York Mellon for pursuing debt collection activities related to an XXXX loan that was fraudulently created in my name without my permission. This loan, numbered XXXX, was initiated by XXXX Mortgage, XXXX, acting as an agent for Bank of New York Mellon, on XX/XX/XXXX. 

Details of the Incident : Identity Theft : The XXXX  loan mentioned above was established using my personal information without my consent. I did not apply for or authorize this loan, which constitutes identity theft. 

Foreclosure Attempt : Bank of New York Mellon and XXXX Mortgage, XXXX attempted to foreclose on my XXXX using this fraudulent loan. This action was taken despite the fact that I had no legitimate connection to the loan. 

Credit Report Discrepancy : In XXXX, the fraudulent loan was removed from my credit report as a result of being identified as a fraudulent account. Despite this, I continue to face debt collection activities from Bank of New York Mellon related to this loan, which I believe is illegal and unjust. 

Lack of Resolution : I have attempted to resolve this matter directly with the Bank of New York Mellon but have received no adequate response. Their continued pursuit of debt collection regarding this fraudulent loan is causing me significant distress. 

Requested Resolution : I urge the CFPB to investigate this matter thoroughly. I request that the Bank of New York Mellon cease all debt collection activities related to the fraudulent XXXX  loan in question. Additionally, I ask for assistance in ensuring that my rights as a consumer are upheld, and that any necessary corrective measures are taken to prevent further harassment..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXXand AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to payment some of my credit card, rent and senior graduation items and my card got declined. Went to the online app and it states your funds are currently not available for withdrawal. Please call us at XXXX. I called them and was told something is wrong with my online profile. I was not able to locate the error as I have several capital one accounts, credit cards, and auto loan accounts and it appears only my checking being impacted. She then said it could be the joint owner. When I first created the account in XXXXXXXX XXXX XXXX, I had made my boyfriend as a joint holder so he can access my funds to pay bills since I was going in and out the hospital and did not want to lose my place. He has never created an online account or received a debit card for this account. He always knew he can go to a local branch if needed. The agent had to text him a code to identify himself and then he had to create an account. He added his drivers license and the agent state he will receive an email with the next steps. We still have no email and no one can tell us anything. I need to access my funds and now trying to stop my direct deposit so I can have access to some money to pay bills that are going past due because of this. I dont understand the why as he has no dealings with this account, it was just for emergencies and all of my money comes from my employer. I just need help and my money fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NE

Complaint narrative:
Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XX/XX/year>, disputing a debt claim made by XXXX XXXX XXXX regarding an account with the original creditor XXXX in the amount of {$600.00}. Despite my requests, XXXX XXXX XXXX has failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : XXXX. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
XXXX. Insufficient Account History : The documentation provided does not include a detailed account history showing transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
XXXX. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX  is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX to XXXX XXXX XXXX XXXX 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of XXXX XXXX XXXX, assuming that no proof of the alleged debt exists. 

My Demands : XXXX. XXXX cessation of all collection activities until the debt is properly validated. 
XXXX. XXXX removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.

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 2024-09-23 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: NE

Complaint narrative:
Follow-Up on CFPB Complaint XXXX As I have already brought this matter to your attention, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : XXXX. Immediate removal of the inaccurate information that your company is reporting to my credit. 
XXXX. If you do not remove these accounts, I will be forced to sue for compensation of damages. 

Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary. 

Estoppel by Silence : Your failure to respond or act within the required timeframe reinforces your noncompliance.

Company response to consumer: Closed with explanation