vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
XXXX XXXX has placed a Charge off on my account with proof of validation or consent to place such item on my credit report. I also sent them the Letter of the law. I have attempted several times to have them remove these items from their company off of my credit report. Through response they have refused to remove these items. They are not in compliance with the law and I'm asking for help to Kindly get these items removed from my credit report. This negative item has devastated my livelihood and my chances of being approved for a new home. 

Regards, XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: First National Auto Sales, Inc
State: WA

Complaint narrative:
My credit was processed with authorization.

Company response to consumer: Untimely response
Consumer complaint received 2024-06-26 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: AL

Complaint narrative:
I disputed a bankruptcy item that the XXXX consumer information reporting company and the Transunion consumer information reporting company. I disputed this bankruptcy item with both companies during the disputing process and alerted them that the bankruptcy item that their company was reporting was not my bankruptcy. I received information from both companies at the end of their investigations that the information had been verified as accurate and not changes will be made. I contacted the Clerk of Court and was told that there is NO BANKRUPTCY in their court system for me, as well as, that they do not give court case information to any " credit bureau '' and that they do not verify any court case information with any " credit bureau '', because they do not give out that information. Employees from both companies committed fraud against me, because they sent me dispute results saying that the item had been verified as accurate, when the Clerk of Court said that they do not verify any court case information with any " credit bureau ''. The Clerk of Court also instructed me on how to get to the informational page of the Court website that states this for everyone to see. The XXXX consumer information reporting company is reporting a bankruptcy item on my " credit file '' that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The XXXX consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The Transunion consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. This is in violation of 15 USC 1681s2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), 15 USC 1681e ( b ), and 15 USC 1681 ( b ) ( 2 ). I request that this bankruptcy item that is not mine and is being shared as my consumer information through fraudulent activities by both the XXXX consumer information reporting company and the Transunion consumer information reporting company be removed from the " credit files '' attached to my social security number of both companies.

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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper is servicing my loan and believe they purchased my mortgage loan from some other company. Now they have assigned the Mortgage to a company that is already a subservicing company in the same company. 

CFR 1024.33 ( B ) ( 2 ) VIOLATION SEE ATTCHED DOCUMENTS VIOLATION OF REGULATION X

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: 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 confidentially under 15 USC 1681. 

Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX has violated my rights. 

15 U>S>C 1681 section 602 A. States i have rights 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 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 the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the 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 : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2024-06-27 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: SC

Complaint narrative:
I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Experian and XXXX XXXX XXXX is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY! 

also, the alleged account states that it went into delinquency in XX/XX/XXXX. How is that possible when the original creditor ( XXXX ) was paid in full the month of XXXX of XXXX. Experian is NOT doing its due diligence and reporting correctly on my consumer report. 

DELETE ACCOUNT 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 2024-06-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: LA

Complaint narrative:
I started receiving calls from a Vance & HUFFMAN LLC about a debit total ing XXXX, XXXX dollars I requested documents for the amount detailing they indeed had the right person about the Debit and never received any information from the company i never herd of this company and do not know what they are trying to collect money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
On XX/XX/XXXX we received a XXXX XXXX package on our doorstep market urgent. This sat on our front doorstep for XXXX days not knowing it was out there. It was overnight express. The packet contained a cover letter stating my husband was the beneficiary of an account but did not reveal the name of the account holder. When we called they would not tell my husband until we sent the packet back with all of my husbands personal identification. About 12 days later we reviewed another packet saying they needed a death certificate and still we were not sure if it was his brother or his father. Both had passed within the past four Months. After several calls to Marcus by Goldman sacs we finely got an answer to our question. Fast forward to today XXXX XXXX and doing the dance of filling out 3 times identity sheets with notary and 3 different times a W9 that our tax advisor said was not necessary since one we won't don't have to claim the inheritance and two the interest they have given is XXXX XXXX and some change as of the first of XXXX. They kept telling us that the W9 was not filled out correctly and the identity verification sheet was missing certain things. Our bank notary seen nothing wrong with the last one we sent and we just sent our 3rd one to them this past Monday it was received on Tuesday XX/XX/year> and then on Tuesday afternoon XX/XX/year> we had another XXXX overnight packet on our doormat. This was contained another w9 to be filled out and another intent letter to be filled out and returned. This is the 3 Rd one of these we also received. Every time we have called they won't let us talk to any supervisor and say they will have one call and no one calls. So we had our attorney who is a tax attorney and 3 different people at the bank where we have had the identity document notorized No one can figure out why they are not excepting these documents. This is the case number given to me by the last person I spoke with on Monday XX/XX/year> her name was XXXX case # XXXX Thank you so much, XXXX XXXX XXXX and his wife XXXX XXXX ( I did not attach files of documents they have personal identification information )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX a lawful debt request affidavit was sent to XXXX XXXX XXXX I received none of what I requested XXXX XXXX XXXX sent a statement not a signed invoice.They sent a agreement signed by a third party for XXXX XXXX XXXX named XXXX XXXX corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.They also showed no equal consideration.XXXX XXXX XXXX brought nothing of value to the table and had nothing to lose this company has had more then enough time to send documents i lawfully requested.XXXX XXXX XXXX has since sold the debt to a company name XXXX before verifying anything I requested and is now improperly reporting to credit report.XXXX XXXX XXXX has committed several crimes starting with. Anticipatory Repudication Criminal acts of XXXX XXXX XXXX 1.The contract was void-ab-initio because XXXX XXXX XXXX lied and never intended to lend a single cent of their own asset XXXX valid contract must have lawful or valuable consideration.The contract failed for anticipated breach.XXXX XXXX XXXX never planned to give the Buyer/borrower ( me ) any valuable consideration XXXX XXXX XXXX XXXX XXXX breached all its fiduciary duties to the buyer and is therefore GUILTY of criminal breach of trust by failing in its good faith requirement XXXX XXXX XXXX XXXX violated its corporate charter by lending credit or nothing at all to the buyer ( me ) and then charging interests on this make believe loan.Banks are only licensed to lend their own money not other peoples money.XXXX XXXX XXXX used the buyers ( me ) promissory note to clear the title which essentially purchased the property from the seller.The transaction is an ultra vires transaction because XXXX XXXX XXXX engaged in a contract outside its lawful mandate.An ultra vires contract is void or voidable because its non existent in law 6.Everyone involved in this undertaking with XXXX XXXX XXXX starting with the loan officer, lawyers and even central bank are equally guilty by association by aiding and abetting XXXX XXXX XXXX in its commission of its crimes against the buyer ( me ) XXXX XXXX XXXX XXXX XXXX and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert in this joint endeavor to deceive the buyer ( me ) XXXX XXXX XXXX has sent me the same information THREE times! and fails to send the documents I lawfully requested and has had more then 30,60 even 90 days to send documents.Credit report should be updated immediately or hold XXXX XXXX XXXX and XXXX XXXX accountable for federal questioning regarding Anticipatory Repudication UCC 2-610.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Si many inquires in my profile this are no good because I have never do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: SC

Complaint narrative:
I am writing to dispute a credit inquiry on my credit report. I recently obtained a copy of my credit report and noticed an inquiry by which I do not recall authorizing. 

This inquiry is fraudulent and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which strictly regulates the permissible purposes for which credit inquiries can be made. Unauthorized inquiries are a serious breach of my privacy rights, and I request that you take immediate action to address this matter.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a victim of Id theft I have been contacting American Express regarding this account and have submitted multiple documents. I have been met with silence from the back office on why they keep rejecting my claim. I was first told that payments made on this account. Were valid and I submitted documents proving that was inaccurate and due to checking accounts being opened in my name. I have requested MULTIPLE phone calls and havent gotten one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: NY

Complaint narrative:
XXXX XXXX is reporting a late payment for XX/XX/year> i made XXXX payments for that month one being on its due date XX/XX/year> in the amount of {$39.00} and another on XX/XX/year> for the same amount. I repeatedly disputed this and not correct actions have been taken. Please assist me. They are reporting this inaccurate information on my Experian 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 2024-06-26 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: TX

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 XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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 any consumer if the person knows or has reasonable cause to believe that the information is inaccura
te.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Sunday, XX/XX/year> about XXXX I was attempting to make a {$4000.00} cash deposit into my business checking account at the Huntington Bank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I followed the instructions the ATM gave me as usual as I have done this many times before. I put the XXXX {$100.00} bills into the ATM deposit compartment. The hatch closed after as it usually does. This time it gave a message on the screen which SHOCKED me : " YOUR TIME TO MAKE A DEPOSIT HAS EXPIRED. IF THERE WAS ANY MONEY IN THE COMPARTMENT, IT WILL BE PULLED IN. CALL YOUR BANK ''. 
That is what I believe the message said. It was brief. The screen then quickly went to the home screen. There was no counting sound happening that usually occurs when the machine is taking money in, or when it is dispensing it out. There was no receipt issued, there was no credit for the {$4000.00} applied to my account at the time, or since that time. This happened approximately XXXX cdt Sunday, XX/XX/year>.

Company response to consumer: Closed with monetary relief