vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have numerous of soft and hard inquiries on my credit report that I havent requested myself. On or about XX/XX/2024 my phone was hacked and everything was compromised ; emails, phone number, banking info and files from my XXXX account that contained pictures of my personal information. I reported it and a fraud alert was issued to the credit bureau. But I still see that some were still able to access my credit file.

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 2024-07-18 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:
PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IAM A VICTIM OF IDENTITY THEFT.

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 2024-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX . IAM A VICTIM OF IDENTITY THEFT.

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 2024-07-18 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: CL Holdings LLC
State: GA

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today u was trying to make a few payments using my debit card. I was trying to big my baby a meal at the grocery store and my card was declined. Then I tried to buy him milk at another store and it was declined. I had to ask a stranger for {$5.00} and it was very embarrassing. I contacted the bank and they can not do anything until the investigator who froze my account calls me. I sold my house as I was told my Bank of America that my wire form the escrow company looks suspicious. I was given no notice when they froze it yesterday on XX/XX/year>. They froze not only my personal account but my business account. How am I supposed to eat and pay my current rent and feed my baby boy? I can not get in touch with anyone that can help me.

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 2024-07-18 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2024-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the actions of CREDIT MANAGEMENT LP in relation to an alleged debt they claim I owe. Despite numerous requests, CREDIT MANAGEMENT XXXX has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDIT MANAGEMENT LP are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to CREDIT MANAGEMENT LP and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that CREDIT MANAGEMENT LP provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between CREDIT MANAGEMENT LP and XXXX XXXXXXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDIT MANAGEMENT LP to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX and CREDIT MANAGEMENT LP, because it will state CREDIT MANAGEMENT LP purchased this debt with the knowledge of this account not being 100 % accurate or following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. XXXX. Furnish proof of licensing and bonding to operate as a debt collector. XXXX. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if CREDIT MANAGEMENT LP believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-07-18 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 need help with rectifying violations that I believe have been committed. I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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 HONDA FINANCE CORP
State: MA

Complaint narrative:
I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2024-07-18 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: FL

Complaint narrative:
I cant get approved for any loans, apartments, or anything else because Equifax is reporting inaccurate and incomplete information.They are reporting that I paid on time for a XXXXXXXX XXXX XXXX  account in XX/XX/XXXX and 60 days late for XX/XX/XXXX which is only 30 days later.They also have no payment history for XX/XX/XXXX XXXX they are reporting Im 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX which is 60 days later. They also have my date of first delinquency as XX/XX/XXXX but say I paid on time that month as well, which one is it? It cant be both. For a XXXX XXXX XXXX account they report I opened it in XX/XX/XXXX but has no data available for payment history until XXXX XXXX reportinging my date of first delinquency was XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX. How can they say I owe anything when they cant even provide certain data? That is DEFAMATION.of my character.For another XXXX XXXX account they are reporting im 60 days late 3 months in a row, XX/XX/XXXX to XXXX XXXX they report im 90 days late in XX/XX/XXXX. How can I be 90 days late 3 months later in XXXX if I was already 60 days late in XX/XX/XXXX? They have no date available for XX/XX/XXXX but are reporting Im 120 days late in XXXX and 180 day late in XXXX XXXX are they to assume that I missed 60 days of payments from XXXX to XXXX when They have no data available for XX/XX/XXXX? They are reporting my date of first delinquency is XX/XX/XXXX but are also saying I was already 60 days late on my payments 3 months before in XX/XX/XXXX XXXX a XXXX Credit account they have no date available for XX/XX/XXXX to even be able to properly determine anything.They are reporting I paid on time in XX/XX/XXXX but saying XXXX also 60 days late XX/XX/XXXX which is only 30 days later .They are reporting my date of first delinquency is XX/XX/XXXX but also that I was already 60 days late on payments that month XXXX report XXXX 120 days late on payments on XX/XX/XXXX but 150 days late in XX/XX/XXXX which is 60 days later. Who are they to assume anything when they dont even have any data available for XXXX XXXX are saying it is an auto loan which is false .You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-18 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: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Conn's, Inc.
State: SC

Complaint narrative:
Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: SC

Complaint narrative:
Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this 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 explanation
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXXXXXX number : XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX 

IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit card was charged around {$500.00} for things I did not purchase. I reported these purchases as fraud. My bank then denied the charges were fraudulent. I called the bank a second time and they went to a redetermination group that also denied it was fraud. I have never shopped at those institutions and have only ever reported fraud XXXX other time in my history with this bank ( around XXXX or XXXX years )

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