vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit Reporting Agencies listed illegal information in pursuit to Section 15 USC 1681A.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows 6 credit inquiry/ inquiries that I did not authorize. 
XXXX XXXX XXXX reference number XXXX Date XXXX XXXX XXXX XXXX reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX - reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX- reference Number Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am writing to dispute the following inquiries and asking for their removal from my credit report.Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against Telerecovery for committing identity theft. I have never given Telerecovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im demanding a cease and desist of illegal activity, any alleged debts until Telerecovery can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and company continues its collection efforts, I will file for litigation for actual damages caused and Telerecovery will be held liable for aggravated identity theft Pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of documents herein and of this notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Telerecovery # : 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WA

Complaint narrative:
We got scammed trying to rent a home. Someone was posing as a real landlord. We sent electronic payments through XXXX and the moment that we realized it was a scam we contacted the bank and opened cases for fraud and also informed the police as well as XXXX. The bank credited us {$1500.00} which was half of the money that we lost while they did the investigation. After that it was determined nearly a month later that the charges were not fraudulent and they would not be returning our money and instead would be debiting back the money that they credited us from our account. We sent 90 documents of proof including emails transaction reports text messages and screenshots to the bank along with a letter asking them to reconsider and explaining the scam and fraud. We can not pay our rent at our current home now, have 4 small children and no money. We got completely screwed and the bank wont side with us. Weve been long time customers for 15 years. All transactions were to the same merchant.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello! 
I had a shared personal account with my husband at Bank of America for 7 years. My husband also had his own business account at Bank of America, not shared. He had his business account closed in the beginning of XX/XX/2023 as a result of a bad deposit. Also, Bank of America closed all accounts in his name, which was a personal shared account with me. 
I tried to open a personal account at Bank of America again, and they confirmed that they dont have any fraud information or activity on me personally, but since I was at this shared account with my husband they refused to open an account for me and work with me again. 
I also have issues opening any deposit accounts now at any bank since I believe this situation with Bank of America effected my records

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
1. Ally Bank 2. Date of false reporting starts almost 4 years ( XXXX, XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since XXXX isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at ally. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, ally bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by XXXX. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there XXXX  off in first place. Im sending with this report my bank statement who issued check directly to ally bank. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that ally received check.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I have tried several times to get inaccurate reporting removed such as listed below, Date of birth ( inaccurate ) Address 's ( inaccurate ) as seen on TransUnion and 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX PL XXXX XXXX, IL XXXX and lastly there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a credit card with TD Bank for over a year and had chosen " paperless '' billing and account management. Over the past 6 months I have not been able to access my online account in a consistent manner. When I try to log on I get error messages telling me that " something does not match ''. I go through the process of recovering and changing my password which all seems to work fine ( the website recognizes my ID, sends me a one time password by text, and then allows me to change my password telling me " confirmed '' ) but when I try to log in again I get the same error message and can not access my account. 

Because of this problem, and the fact that I do not get paper bills, I have made late payments and have been charged late fees and increases in my APR. I have no way of paying my bill or see my account status because I can not access the account online through no fault of my own. Every time I try to resolve the problems I have to spend 1-2 hours of my time on the phone with customer service who eventually resolves the problem but 1-2 weeks later I can no longer access the account due to the same problem. I have also had several dropped calls when speaking with customer service and attempting to get the late fee waived as I did not have access to my account online and was not getting paper statements. I have requested to speak with supervisors when the initial customer service representative could not help me but each time I am told that no supervisor is available and I should call back another time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: TN

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. 
XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX Bank : # XXXX, XXXX XXXX XXXX : # XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: TN

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. 
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 : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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