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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, 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 2024-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rentdebt Automated Col XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX Account Number XXXX Dear [ Rentdebt Automated Col ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am requesting that you validate this debt. I request proof that I am indeed obligated to pay this debt and that it is accurate and legally enforceable. 

Please provide the following information : 1. The name and address of the original creditor.

2.The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4.A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired
.

6.Copies of any paperwork that shows I agreed to pay what you claim I owe.

Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated.

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY

Complaint narrative:
Our apartment leasing office forced us to use only XXXX credit card for rent payment. 
And after I setup auto-payment, it first told me on XXXX that my balance was 0 so " Your autopayment was not processed '' then on XXXX, it charged me nonsense late payment fee {$25.00} and interest {$66.00}. 

Their practice is to mislead the customer on payment and earn these junk fee for profit.

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 2024-09-24 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NY

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 ) ( 4 ) 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 ( s ) 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 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 2024-09-24 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-09-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information.

Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
6 years ago I had a XX/XX/XXXXaccount. I didn't have any money in it and overdraft it {$280.00}. They gave me the {$30.00} overdraft fee. Then kept giving me the {$30.00} fees daily for quite some time. They sent it off to a creditor company. In XXXX I started getting mail from a creditor company informing that I owed {$1200.00} to XX/XX/XXXXon this account. I went to XX/XX/XXXXto set up a new bank account for myself in XXXXXX/XX/XXXXXXXX and put {$100.00} into my new account. Within 3 days the money was gone from a " recovery offset. '' I freaked out and came to XX/XX/XXXXto find out what it was. They told me it was from owing that money all those years ago. I asked XX/XX/XXXXhow to take care of the issue so they don't keep stealing money from me. They told me to call them. I then called and attempted to set up {$50.00} a week with them. I went to make my first payment in the branch, as instructed by the creditor company. XXXX told me the account was closed and they couldn't make payments to it. So I was confused and let it be. Money never came out of my account after setting up payments. In XXXXXX/XX/XXXXXXXX I received a refund check for this account amounting in {$970.00}. In the letter it stated " since your account ending in **** is now closed, we are enclosing a refund check in the amount of {$970.00} representing certain past overdraft fees. '' I assumed this meant they realized I never owed them {$1200.00}, only the original {$310.00} ... ( {$280.00} I used and {$30.00} overdraft fee ). After the refund check I never got anymore mail from the creditors. XX/XX/XXXX I got a piece of mail stating I still owed {$1100.00}. I was hugely confused and called XX/XX/XXXXand had not gotten a response back from the branch XXXX. XX/XX/XXXX I went to pay my rent with my {$1200.00} in my current account that I had since XXXX, and my money was gone from " recovery offset '' yet again. I go to XX/XX/XXXXand the branch XXXX calls the recovery offset line and speaks to them and she basically told them they will not refund me the money they took without authorization, and gave XXXX explanation for the refund check they sent me and why they didn't just apply it to the debt owed if that's what it was originally intended for. Now I'm in a bind because they quite literally stole money from me. I don't know what to do.

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: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
On about XXXX US Bank  XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to XXXX representatives XXXX and XXXX they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is XXXX. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with XXXX supervisor XXXX XX/XX/24 and she advised no follow up on complaints but provided case # 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I received a debt collection notice from XXXX XXXX XXXX. The debt is supposedly for XXXX XXXX XXXX. never had an account there. this is identity theft. Please see the official government identity theft document and all parties listed on the debt collection letter was included in this report. 

Please note for the record that i sent in the form and checked the box stated this is NOT my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 I went to XXXX in XXXXXXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and bought a single milkshake which cost around {$7.00}. I paid through the drive-thru with XXXX XXXX using my Bank of America debit card. I was not given a receipt. The next day XX/XX/2024 I noticed XXXX had charged me {$420.00}. I figured it was an error and filed a dispute with Bank of America, who told me they would investigate. About a month later they told me they denied my claim due to lack of evidence and said since I used my XXXX XXXX, that it couldn't have been fraud. I then went in person to speak with the XXXX of XXXX to see if they could pull up the receipt for the transaction so that I could show Bank of America and get my money refunded. However, the XXXX let me know their financial records erase after 30 days. I even tried contacting their corporate phone number, but could not reach anyone that could help me. I once again tried to file a dispute with Bank of America letting them know what the XXXX had told me and trying to explain my situation. They once again denied my claim a couple of months later. I don't know what else to do to get my money back since it is clear that it was either an error or my money was stolen from XXXX. I am closing my account due to being unhappy with Bank of America 's service during this situation, however this is my last effort to get my money back before I do so. I have also recently filed a complaint with the Better Business Bureau with the same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting inaccurate information and refusing to delete the disputed information. I have done four disputes and the reporting agency refuses to delete the inaccurate information. I have also filed a report with the Attorney General and I am requesting mediation and representation services from CFPB

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