vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXXXXXX

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I found out that someone one open an account under my name with Bank of America and starting to sent money from this account that was open under my name.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
My account is closed and I'm trying to have it removed from my credit report Account # 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: MI

Complaint narrative:
I drive for XXXX and once a year they do a background check on us to make sure we are still eligible to XXXX. Well as of XX/XX/XXXX this year mine came up for renewal. At the same time the new XXXX XXXX went in effect. So according to Checkr. It has put the courts behind to produce checkr reports they need. Well I have contacted my county, district and MSP ( ichat ) and up tanned my own report and sent it to checkr and XXXX. Checkr told me that they can not except it from me they need it sent from the company. XXXX told me that they can't except it only from checkr. Checkr is dragging there feet and has cost me a lot of money for not being able to work. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XX/XX/2023, both my wife and I received emails stating that an application to open a checking account at Bank of America had been received. Moments later, a XXXX email stating that our accounts had been opened, along with partial information about our account. We called BofA immediately and disputed. 

Last week, a mere XXXX  months later, I woke up to another email about an account application. Minutes later, an email stating the account had been approved. Once again I called BofA immediately to dispute. Account got closed, but this week both my wife and I received debit cards in our names! 

I don't understand how easy BofA makes it for people to open accounts. XXXX in XXXX months is quite absurd!

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
It showed up on my file a few days ago and I contacted them tried to get them to verify or validate the debt by requesting a copy of the original contract with my wet signature also tried to dispute under permissible purpose US C 15, 1681B and they refused to find my dispute or to hear anything I had to say all they wanted me to do was admit that I gave my daughter XXXX, my permission to open that account which I didnt, and they were threatening to call her and theyve already called her multiple times trying to get in touch with me about this day and I asked her to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
They charged me fees for my debit card and credit card every month even if i pay my payment at the time or not they still charge me, and always my credit card limit always, and I talked to them about it and theyre not make any sense and justified

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX illegally ran my credit multiple times. I dont know why the Federal government is not doing anything about this.Looks like I have to going the news media next. 
I called XXXX and let them know they ran my Equifax credit three times on multiple days on XXXX different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to four different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against XXXX Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.Why do I need written authorization when I am representing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America closed my account without warning one year ago approx. Without warning or reason, I dis not have access to my money. When I called them, they told me they could not tell me a reason but that I would receive a cashiers check with the balance. It took around 20 days to get this check with my money. It was awful. I was in the middle of building my house ( during covid ), everything was more expensive suddenly, my father was XXXX with stage XXXX XXXX XXXX and I had to take over his responsibilites which included his medical payments, and I had to borrow money from my father in law to help through all this additional hardship. I had the BofA account since I was a child, my mother had opened it for me and I never had a problem. There were additional deposits and withdrawals, but these are normal if you are building a house and paying for medical expenses. I feel closing my account was unjustified and plain malicious. It complicated my families situation even more, when my bank should have asked me or tried to find out the hardship that was maybe causing what caught their attention.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Dispute of Charge-Off / Closed Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off/ closed accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off/ closed accounts : Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience.

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified. 
In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute. 

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Disputed Items attach

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 non-monetary relief