vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: IL

Complaint narrative:
I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of 3 credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from XXXX regarding my Debt validation letter I sent certified with signature required. Equifax and XXXX did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all 3 credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist letters.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I retrieved my credit profile. Upon reviewing I noticed several incorrect accounts. I sent a debt validation letter to each of 3 credit reporting agencies XX/XX/year> regarding late payments accounts in collections and inquiries. I did not receive any response from Experian regarding my XXXX validation letter I sent certified with signature required. XXXX and XXXX did respond with a letter asking for more time to respond to my debt validation letters in which it has now been 60 days over due for a response. I recently sent a Cease and Desist to all 3 credit agencies on XX/XX/year> and XX/XX/year> demanding to take legal action if the accounts was not resolved by the time given in the Cease and Desist 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 2024-06-27 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: FL

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per15 U S 15 6801 that states non public information is protected from the public unless creditor obtains written consent to share information on my consumer report. I've never had a account with portfolio or security credit nor did I give wriiten consent to anyone to report the accounts listed below on my consumer report.Per 15 U S Code 1681b Permissible Purposes of consumer reports ' *XXXX XXXX XXXX XXXXXX/XX/year> collection XXXX XXXX XXXX XXXX collection

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per15 U S 15 6801 that states non public information is protected from the public unless creditor obtains written consent to share information on my consumer report. I've never had a account with portfolio or security credit nor did I give wriiten consent to anyone to report the accounts listed below on my consumer report.Per 15 U S Code 1681b Permissible Purposes of consumer reports ' *XXXX XXXX XXXX XX/XX/year> collection *XXXX XXXX XXXX XXXXXX/XX/year> collection

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: Improper use of your report — Reporting company used your report improperly
Company: Saul Jablon Attorney at Law
State: MD

Complaint narrative:
I am writing to formally notify you of your violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding unauthorized communications via text, mail, and phone calls. 
Under the FDCPA, debt collectors are prohibited from contacting consumers without prior consent. Despite this, I have received the following unauthorized communications from your company : Text message ( s ) on XXXX XXXX XXXX Mail on XX/XX/XXXX and XXXX XXXX XXXXXX/XX/year> Three phone calls on XXXX XXXX XXXXXX/XX/year> These communications were made without my prior consent, constituting a violation of the FDCPA, specifically under 15 U.S.C. 1692c. Each unauthorized contact is considered a separate violation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unfair Mortgage ( and Checking ) Payment Practices by Bank of America Account Information : Mortgage with Bank of America : Approx. {$4000.00} Payment Method : Auto pay / debit on the 1st of each month Transfer Funds : From another savings account Payment History : Never been late Incident Description : Payment Not Debited : On XXXX XXXX XXXX, I noticed my XXXX XXXX  mortgage payment, set up for automatic debit on the first of every month, was not processed. A late fee of {$200.00} was imposed.

Auto Deposit Issue : I had set up an automatic deposit for the mortgage amount on XXXX XXXX XXXX ( which was a Saturday ). However, the checking account credited the deposit on

XXXX XXXX XXXX, the next business day. My balance on XXXX XXXX  was {$16000.00}.
Customer Service Call : I noticed the issue on

XXXX XXXX XXXX, and immediately called BofA. I was on hold and on the phone for over an hour, speaking with three different customer service representatives. BofA informed me that since XXXX XXXX  was a weekend, the deposit was credited on XXXX XXXX  ( the next business day ). Despite having sufficient funds on XXXX XXXX BofA mortgage did not process the payment, making it feel as though they were waiting for me to default. Lack of Notification : BofA did not notify me of the payment issue. I only discovered it by checking my online mortgage statement on XXXX XXXX. Resolution : BofA did not offer to refund the penalty or provide an apology during the call. It was only after being on hold for over an hour and threatening legal action that BofA finally agreed to refund the {$200.00} late fee. This does not address the underlying issue. Weekend Processing Discrepancy : BofAs checking accounts apparently do not process deposits on weekends, while mortgage payments are apparently collected even on weekends. This inconsistency caused the problem. Potential Credit Impact : If I had not caught this error within 30 days, it could have been reported to credit bureaus, damaging my credit score. Unfair Practice : BofAs failure to process the payment despite sufficient funds on XXXX XXXX  and lack of notification is unfair and could have led to severe credit consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 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: VA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my account. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-06-27 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: GA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00}

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 non-monetary relief
Consumer complaint received 2024-06-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$25000.00}

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my account. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXXXXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-27 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or hXX/XX/XXXX : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$1200.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$1000.00} XX/XX/XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XX/XX/XXXXXXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XX/XX/XXXXXXXX Balance : {$3700.00XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$3700.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XX/XX/XXXXXXXXXX/XX/XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: Self Financial Inc.
State: NC

Complaint narrative:
Self/XXXX XXXX ( XXXX ) Is Listed As A Charge Off, And the address thats connected to it too is not a place i stay at and need it removed. I Know i can write it off but i just need it off to up my credit score because im unaware of these transactionsand credit report checks they did without my knowledge XX/XX/XXXX Self/XXXX XXXX - ( XXXX ) listed as closed XX/XX/XXXX should be removed off to and is effecting my credit score. stoppage from my bank trying to help me. 
XXXX XXXX ( XXXX ) - ( XXXX ) on XX/XX/XXXX this statement was charged off and should be removed too. 
These three things are putting a tremendous turmoil on my credit score it is effecting me because its extra loops i have to go through and try to figure out when these inquiries should've been off and wiped off my statement because these are unfamiliar too me and something that was not done by my doings.

Company response to consumer: Closed with explanation