vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: LA

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 XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 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 2024-03-07 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: GA

Complaint narrative:
I had a mortgage with XXXX they sold my mortgage to XXXX XXXX in XX/XX/XXXX. I paid the home off through XXXX XXXX which reflects on my credit report in XX/XX/XXXX. The problem is XXXX XXXX XXXX is still reporting my mortgage as open. I have been reporting this to the company XXXX and all credit reporting agencies still to no avail. At this point it's affecting my credit and me purchasing a home I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP
State: NY

Complaint narrative:
in XXXX I put in for a {$2000.00} loan from key bank online access on XX/XX/2024 I received a denial letter from key bank XXXX XXXX XXXXXXXX XXXX XXXX oh telling me why I was denied so since XX/XX/XXXX I've reached out to key bank I was handed over to case worker XXXX XXXX. of key bank at there executive office I asked her if she can send these ucc codes over to the under writer that they are in violation of this since XX/XX/XXXX no answer from her she is never at the desk I've been calling every day every time I called they would tell me that she is unavailable up until today XX/XX/XXXX I spoke with her twice she assured me she was handling my case and still nothing about this matter title 15 subsection 1611 states that false and misleading denial of my own credit is in violation of that bcc code and can result in legal action given the fact the entire consumer transaction is predicted on my own unlimited credit they used my social security number and created a security already once they asked for it XXXX use XXXX asking for my social because there is no lawful money and that's a crime I've called them everyday since denial letter and they keep telling me some one would reach out and never received a call back from any one how rude and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. 

I have filed an FTC report with report 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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MO

Complaint narrative:
I lived in XXXX XXXX in the XXXX and had electric service with XXXX XXXX XXXX. I moved to XXXX XXXX in XXXX  and canceled my service with XXXX XXXX XXXX. 
Recently a company named Helvey And Associates has placed a collection on my credit report for {$2000.00} owed to XXXX XXXX XXXX. I have not done any business with this company since XXXX  and seriously doubt that if I did owe {$2000.00} on an electric bill, my electricity would have been shut off long before the bill got that high. 
I filed a dispute with XXXX, and it returned as " Verified ''. I called XXXX and was told that they do not investigate the information themselves and only report it. They told me that the companies do their investigations and report their results back to XXXX. I believe that this means that the collection companies can keep reporting it as they want. I do not understand how I could have this on my credit report from XXXX  years ago. 
HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2024 XXXX contact all XXXX Credit bureau, transunion, XXXX, and XXXX advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit 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
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Sometime in XXXX of XXXX the postal box in our complex at XXXX XXXX XXXX XXXX was broken into. A number of checks were stolen including XXXX from my office. One of the checks was not cashed and was stopped. The second check was our check # XXXX written to XXXX of our remote typists. The check was for {$840.00}. Who ever cashed the check forged the recipients name on the endorsement. I reported the matter to XXXX XXXX XXXX the branch manager at XXXX XXXX XXXX. She told me that the intended recipient of the check would have to file a claim. I disagreed and filed a challenge to the ( claim # XXXX ) on XX/XX/XXXX. I have heard nothing from the bank since then. 
I filed a police report on XXXX XX/XX/XXXX with XXXX XXXX of the XXXX Police Department. I heard nothing from the police until XX/XX/XXXX. He informed me that the check in question was deposited at a XXXX XXXX ATM located at XXXX XXXX XXXX, XXXX, Alabama. He further informed me that since the check was cashed in another jurisdiction, he could do nothing further. He also informed me that there was no video recording of the transaction, so he didn't think XXXX XXXX could do anything either. 
I think that the bank erred in cashing a stolen check. They were also neglegent in not recording the transaction and not providing information regarding the account that eventually received the check. I am seeking return of my {$840.00}.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE WAS NO RESPONSE FROM THE COMPANY

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 2024-03-07 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: VA

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry, and I believe it may be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVN funding must delete this account immediately from XXXX and XXXX Account # XXXX The fcra says I have a right to my accounts reporting with 100 % accuracy this affects the banks and how they lend money. 

LVN funding LLC is furnishing false and misleading information on my credit report! 

Because this account isn't accurate LVNv funding LLC is reporting XXXX different last dates of activity on XXXX different credit reporting agencies which is a major violation. This account is reporting inaccurately, the natural Life of this account will fall off at different years. This inaccurate reporting will cost you {$1000.00} in court if this account is not removed within 10 days or less both Credit agencies XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The thief made opened fraudulent account using my personal information. Pursuant to federal law, I am requesting a full investigation under regarding the fraudulent account listed in my personal credit report. 

This account is not mine. They was opened as a Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Changed routing number and account number areas are all in XXXX XXXX CA from WELLS FARGO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX,. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ETC

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 2024-03-07 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: Marlette Funding, LLC
State: OH

Complaint narrative:
I have mutiple inquiries on my account that were not authorized by me. I also have two different loans from a Best Egg company that are not authorized by me. I have disputed the loans multiple times and they were removed from my credit report and then added back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I hope I have the right subject matter but I have received numerous calls from what they say is Esperian. About someone trying to open a credit card in Michigan. Asking if it was me ; if I know anyone in Michigan. All callers are from different countries and speak poor English. Theyll call and hang up before it goes to voicemail and then call again and again etc. a couple left a message if I wasnt interested to text no. The numbers are as follows : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX They know my name and zip. One wanted to go over my credit cards. I know I shouldve answered but they call over and over. I wanted to find out who they were so I could make a complaint.

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 2024-03-07 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: VA

Complaint narrative:
i found some hard inquiries on my report that do not belong to 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 2024-03-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I never lived at the place they are reporting on my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

XXXX5 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*Capital One is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, 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. Capital One, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, Capital One, wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. Capital One never informed me of my right to exercise my non disclosure. 

XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
It is unreasonable that my history of timely payments for this account is not being acknowledged. I kindly request immediate action to update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, Equifax, and XXXX advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2024 XXXX contact all XXXX Credit bureau, XXXX, XXXX, and Experian advising the reps I noticed some unverified and unauthorized inquiries on my credit report that I would like to be removed. However the rep didnt want to assist with fraudulent reporting on my credit 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have contacted TD Auto Finance on numerous occasions since mid XX/XX/year>. TD Auto never credit payments made on time for XXXX and XX/XX/year>. Verification was provided to TD Auto Finance from XXXX XXXX showing that payments to TD Auto Finance was processed and TD Auto withdrew the funds. 

TD Auto has reported our account to credit reporting agencies has delinquent and had a negative impact on our XXXX XXXX  XXXX. 

TD Auto Finance never attempted to correct their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX XXXX XXXXXXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be XXXX  out with the document case law and the matter of Fact presented. on the record

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: OR

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and noticed an inquiry that I did not authorize. I have no association with the listed creditor and did not apply for any credit or services from them.

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