vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I HAVE BEEN TRYING MY BEST TO RESOLVE THIS ALLEGED DEBT WITH THIS COMPANY AMPT AMOUNT OF TIMES! I HAVE BEEN LEFT WITH NO RESPONSE OVER AN OVER AND OVER AGAIN. I've NEVER done business with CREDIT COLLECTION SERVICES AND IM NOT SURE HOW THEY GOT THIS ACCOUNT NUMBER XXXX! I HAVE COMPLETED A THOROUGH research & they're INDEED a debt collector whose FALSELY attempting to collect a debt that DOES NOT BELONG TO THEM. I've requested that CREDIT COLLECTION SERVICES provide proof of this alleged debt. 

WHEN I SAY " PRROF '' THAT MEANS THE ORIGINAL APPLICATION/CONTRACT, NOT SOME COPIES THAT THEY BOUGHT FOR PENNIES BUT A INSTRUMENT BEARING MY SIGNATURE WITH CREDIT COLLECTION SERVICES. 

TO ADD please provide the contract signed between CREDIT COLLECTION SERVICES AND PROGRESSIVE, INCLUDING a notarized and sworn under penalty and perjury for CREDIT COLLECTION SERVICES to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not creditors, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are able to collect debt that aren't theirs. They are being WILINGFUL non compliant. This is inaccurate reporting! According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. PLEASE PLEASE PLEASE DO YOUR DUE DILIGENCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: U.S. BANCORP
State: KS

Complaint narrative:
Please remove the following Inquiries : - US Bank XXXX XXXX XXXX XXXX XXXX XXXX  - Reason : Fraud - Did Not Authorize

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 2024-07-14 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Please remove the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : Fraud - Did Not Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my TransUnion consumer report from a company named XXXX XXXX  # XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX  # XXXX with a balance of USD 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 2024-07-14 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:
This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment hisipry. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : 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 2024-07-14 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: CA

Complaint narrative:
This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment hisipry. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: UT

Complaint narrative:
I received a letter from TransUnion stating their information is Accurate and Verified. I have submitted documents from the CFBP from XXXX  stating their investigation into inaccurate information has been removed. But TransUnion still refuse to remove this fraudulent placement. My XXXX  credit report doesn't show any bankruptcy reporting as well. I request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected. XXXX updated inaccurate information on my credit report without notification by mail. I submitted proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : TransUnion Reasons for Dispute : Fraudulent Bankruptcies Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. TransUnion stated if I wish to request proof of their investigation procedures it will be provided by TransUnion. It states to which I did and in return I was on hold and when I spoke with a representative from another country I was told that information wasn't available. So I've submitted my FTC reporting with TransUnion and yet they can't and will not confirm this bankruptcy reporting account address it's attached too. This inaccurate account doesn't belong on my credit report. I want proof of the furnisher information to dispute this fraudlent claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES XXXX XXXXXX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( XXXX XXXX XXXX XXXX ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION. 

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW

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 2024-07-14 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: MO

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 use 1681. 

XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I never even had a prepaid card XXXX card from Bank of America. I had XXXX accounts and my benefits went to XXXX of my accounts. My benefits also had stop for a couple months then came back on then stop again because I mistakenly said no to a question then submitted a document to show I to didn't mean to press it. Small screen XXXX fingers. Then my payments stopped all together and I still didn't receive the back pay of what was owed to me because XXXX XXXX lied on federal documents. I worked for that company since XXXX and they called me a new hire in XXXX. XXXX quit your fraudulent XXXX XXXX so I can receive my compensation. Any lawyers out there willing to help? Anywho yes Bank of America I have no knowledge of a check sent to my address and no knowledge of a prepaid card when I never had a card from unemployment. I had direct deposit and I have that account number. All because I don't have a prepaid card number I NEVER even received is XXXX. That was to set it up where it looks like y'all did everything in y'all power to help me. When y'all never sent a check or a prepaid card. I know my identity have been stolen here and there. It has to be another underline issue why this financial institution is giving me such a hard time about my funds. Then I asked to speak with fraud and was not giving the option to. I want to know what is going on with my funds and why is a big bank lying about sending me a check and prepaid cards to cover up their fraudulent activities. WHERE IS THE CARD AND WHY HAVE I NEVER KNOWN ABOUT HAVING A PREPAID CARD IN MY NAME? I never had that account they speak of in my email and on paper. I only had XXXX accounts. Where is that account coming from and how is it transactions on it when I never even used it. I have XXXX dollars of interest built up already. Ummm how? How long have this been going on for and at this point I truly believe the bank did something with my funds and now trying to halfway fix the problem. I'm too the point of fighting this in court. I want compensation of being a victim to the big companies that feed off of us. Your so called fraud agency did nothing to help me with my fraud issue. I went into the bank and clearly they could see it was me. So why is it that I still can not access these funds of mine. They told me the amount of two different checks then I received letters with different amounts on it. How is this 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 monetary relief