vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, several accounts listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I received an alert on XX/XX/XXXX about my credit. I open my credit a saw there had been a hard inquiry done by Barclays Bank of Delaware between XX/XX/XXXX and XX/XX/XXXX. My credit score dropped XXXX point because of this. I called them immediately that evening - I told them I have an inquiry on my credit from them that I know nothing about or authorized. He asked for my social security number and stated he did not have any credit applications or accounts for me ; then he asked for my date of birth and he said they did not have anything in their system. He told me to all the Credit Bureaus. I placed a fraud alert and a credit freeze on my credit XX/XX/XXXX, the same evening. On XX/XX/XXXX, the next morning, I called Barclays Bank of Delaware again, and was told the same thing - she has no record of my social security number or date of birth. On XX/XX/XXXX my credit score dropped XXXX more points. I have never applied, inquired, or had dealings with Barclays Bank of Delaware. Please correct my credit, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The Original Creditor XXXX XXXX XXXX XXXX XXXX debt was charged off in XX/XX/year> and I am filing a complaint for being threatened, forced, harassed, stalked excessively by all communications for income garnished, house being taken, lawyers, lawsuits and excessive fees, if I didnt arrange a payment by XX/XX/year>. This was a second collections Account for Midland Credit Management. 

I'm requesting : 1 ). A Full Detailed list of payment history for account.

2 ). The Original Signed Contract I agreed to the contract for the creditor 3 ). The Insurance Claim filed on this debt. 

4 ). The Chain of Title you have to collect this debt.

According to 15 U.S.C 1692g Debt Collectors must send a written validation notice to consumers within five days of their first contact about debt collection.

According to 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

I am requesting Original Signed Contract, Debt Validation, Insurance Claims, and Chain of Title to collect debt documents with 3rd Party Collection Agency Midland Credit Management for a charged off debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I never signed any other documents to repay another agency for the debt already written off, especially if a insurance claimed was filed. Im requesting a refund and cease of payments as I was coerced for payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Account has been written off and still being reported monthly as open late with profit loss status. 

Account with XXXX XXXX XXXX is clearly aged out it has been listed since XXXX This limit is 7 years this has been almost 10

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE, CEASE AND DESIST ALL CREDIT REPORTING USING ALL CREDIT. 
This notice is to inform you that you unlawfully reported fraudulent accounts and inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC $ 1681b ( c ) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of accounts and inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

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 2025-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE, CEASE AND DESIST ALL CREDIT REPORTING USING ALL CREDIT. 
This notice is to inform you that you unlawfully reported fraudulent accounts and inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC $ 1681b ( c ) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of accounts and inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
The information on my report was leaked in a data breach which included social security number. The was a direct violation of right to privacy under 15 US code 1681 which states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2025-01-02 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information rom me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX XXXX and Transunion for violations of federal laws, specifically : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide complete and accurate information regarding the alleged debt.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to disclose key details, such as the breakdown of the debt and the identity of the original creditor.

12 CFR 1006.34 ( d ) : Failure to provide the required written notices and disclosures in their communications.

15 USC 1681-S2 ( 7 ) ( A ) : Furnishing inaccurate, incomplete, or unverifiable information to credit reporting agencies, thereby failing to ensure the accuracy of information being reported. 

Details of Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX has engaged in collection practices and reported information about an alleged debt to credit reporting agencies without providing the necessary and legally mandated validation. Their actions include : Repeated communication with me via emails, texts, and phone calls about an alleged debt without providing sufficient details or documentation. 

Failing to disclose the origin of the debt, including the name of the original creditor and a breakdown of the alleged amount owed. 

Transunion removed XXXX XXXX off my credit report between XXXX XX/XX/year> and added back XXXX XXXX back to my credit report between XXXX XXXX this alleged debt to credit reporting agencies without proper validation, causing harm to my credit profile. 

Despite my efforts to request validation and transparency, XXXX XXXX XXXX has failed to comply with the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

TransUnion has contributed to the harm caused by XXXX XXXX XXXX by failing to ensure the accuracy of the information reported on my credit file. This includes : Failure to Verify : XXXX and maintaining inaccurate and unverifiable information about the alleged debt reported by XXXX XXXX XXXX. 

Noncompliance with FCRA : Not promptly investigating disputes and rectifying errors in my credit report, as required under 15 USC 1681-S2 ( 7 ) ( A ).

Consumer Harm : The inaccurate reporting of this debt has negatively impacted my credit profile and caused unnecessary distress.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a charge show up on my credit card for {$350.00} after I checked out of the XXXX XXXX XXXX XXXX XXXX XXXX. This charge was not included on the original invoice. After trying to contact the XXXX XXXX with no success, I disputed the charge with Bank of America. Bank of America requested my invoice to which I uploaded to their claim 's website. The claim was closed immediately with no further explanation. I called the claims department, and they could not tell me why the claim was closed but refiled the claim on my behalf. Two days later, the claim was closed and denied without any further explanation or information. Since then, I have tried multiple times to reach the Bank of America claims department with no success. I have been placed on hold for hours, transferred, hung up on, placed back in the call que. I have spent well over 12 hours on the phone trying to resolve the issue with Bank of America only to be told I need to try and call back at a later date. I am getting nowhere with Bank of America and the hotel manager does not return my calls.

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 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'd been looking at used cars through popular websites such as XXXX, XXXX, XXXX, etc. and requested information on a few vehicles I found, but I have never requested to apply for auto-financing or submitted an application to finance any vehicle. 

Just today I received a letter in the mail from CapitalOne about the status of an auto-loan application that was denied due to other application currently pending or recently processed, which again I did not submit or request. 

I don't know who is attempting to open an auto-loan in my name, but I've not submitted any applications for any auto-financing through any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
On the day of XX/XX/year> I have tried since then to get thois issue resolved with no luck I consider asking for help filling the next issue Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ), I am entitled to dispute fraudulent accounts and expect a thorough investigation. I am invoking the rest of the piece of legalization XXXX XXXXXXXX XXXX XXXX ( XXXX. XXXX XXXX ) - Protects consumers from unfair, false, misleading, or deceptive acts or practices, including inaccurate credit reporting. and use of ambiguous responses as this letter is from a credit lab or you did not send the verification documentation all information is complete and I have sent all verification elements XXXX Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX. ) - Requires credit reporting agencies to investigate disputes and remove or correct inaccurate information promptly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies to block fraudulent information upon receiving valid documentation of identity theft or dispute. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 15 days. 

Truth in Lending Act ( XXXX ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. this also means cease and desist all fraud reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone got hold of my information, and sent XXXX transactions that i did not authorize and bank of american will not give me my money. They sent {$4900.00} of XXXXXXXX XXXX  transactions in total.

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 2025-01-02 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief