vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2024-02-20 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: CA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-20 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: CA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 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 2024-02-20 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: PA

Complaint narrative:
This is a fraud account

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
Constant calls for debt collection. Unable to file for financial assistance. I was unemployed. Debt is now in collections for the amount of {$1300.00} as of XX/XX/2023. Less than a year old

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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
DEPTEDXXXX XXXXXXXX Balance : {$4200.00} ; DEPTEDXXXX XXXX Balance : {$7500.00} ; US DEPT ED XXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; 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 2024-02-20 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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Referring to Federal and South Carolina FCRA Identity Theft Fraud Laws Dear AMEX, I am writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina FCRA identity theft fraud laws. 

It has come to my attention that AMEX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear infringement of federal and South Carolina state laws. The FCRA explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, South Carolina FCRA identity theft fraud laws impose strict regulations on the reporting of consumer credit information without explicit consent. Any unauthorized access or misuse of personal information, as in this case, is considered a serious offense under South Carolina law. 

I want to emphasize that I have not provided consent for AMEX to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and poses a significant risk to my creditworthiness, as well as a blatant disregard for federal and state laws. 

I demand, unequivocally, that AMEX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and South Carolina FCRA identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance and subject to penalties under applicable laws. 

Compliance with these laws is not optional but a legal obligation. This is a demand for immediate action to rectify these egregious violations and uphold my rights under federal and state laws. 

I expect your prompt attention to this matter and anticipate AMEX 's compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX and list of Inquiries. 


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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX account should not be on my credit report. The information was incorrect.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-02-20 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: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-20 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Open date XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX Acct # XXXX Open date XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  Acct # XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) This is not my account. I have no knowledge of this account. 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I would like to register a complaint about a Fraudulent transaction on my Credit Card. Attached is the receipt for the Fraudulent transaction and below are complete details : Bank/ Credit Card Issuer XXXX Bank of America Card Type : VISA Merchant : XXXX XXXX, Store # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Purchase Amount : {$1000.00} Purchase Type : In-Store Self Check Out/ Card Purchase Date of Fraudulent Purchase : XXXXXXXX  Time of Purchase : XXXX The credit card used for the above purchase was with me, and I am at my home at the time of the Fraudulent activity ( XXXXXXXX XXXX ). 

I received a text message on my mobile on XXXX at XXXX about the above purchase, after which I immediately 'locked " my XXXX Bank of America credit cards and called Bank of America Fraud protection customer service and reported the fraud. 
I spoke with XXXX XXXX store the next day ( XXXX ) and informed them about the incident. I spoke to store manager ( s ) 3 times over phone and went to the store and got the attached Receipt with the details of the goods purchased using my ( cloned ) Credit Card. 

Bank of America closed my claim stating I am responsible for these charges, and I am not happy about being held responsible because I did not loose credit card and my physical credit card was not used for the purchase. 
Attached are the screenshots of the Claim, Claim Notes and the Credit Card transactions asking me to pay the charges.

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 2024-02-20 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: NV

Complaint narrative:
This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXXXXXX XXXX  on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account 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 2024-02-20 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: NV

Complaint narrative:
This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXX XXXX on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Card plan as late for any purpose.

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 2024-02-20 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: MS

Complaint narrative:
XXXX, XXXX, and TRANSUNION are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974. 

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See XXXX. XXXX. XXXX ( b ) ( XXXX ) ( i ). 

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See XXXX. XXXX. XXXX ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXX XXXX- {$1500.00} - XXXX XXXX  - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA XXXX, XXXX, and TRANSUNION are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.

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