vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On this date XX/XX/2023 there has been false permissions on my credit report from creditor name Bank of America. 
Due to 15 U.S. code 1681b - Permissible purposes of consumer reports I demand these inquiries to be removed from 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 2024-05-05 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: NY

Complaint narrative:
Company take more than 30 days to respond, request to have negative accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: I.C. System, Inc.
State: MO

Complaint narrative:
I.C. System fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to [ REPORTING AGENCYs ] Consumer Reporting Agencies by way of identity theft New York Penal Law 190.79 and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-05-05 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: VA

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Received an email at XXXX PM on XXXX XXXXXX/XX/year> informing me that an amount of {$8100.00} needed to be paid toward my balance by XX/XX/year> or that I was at risk of having my credit reduced and my card frozen. The card was actually frozen on XXXX XX/XX/year> shortly after receiving the above email. I have made XXXX payments in the last XXXX weeks totaling {$4100.00} that is not counted toward the total {$8100.00} requested. I currently have no minimum payment due and an XXXX history of timely payments. 

I have requested that the company provide me of the consequences of not paying upon their request and have been told that they are unable to do so given that the decision is still being reviewed by analysts. I feel that it is incumbent upon American Express to inform me as a consumer how my credit will be impacted based on a decision to pay or not pay. Without that information, the consumer is unable to make an informed and educated decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXXXXXdismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXX-dismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I sent XXXX separate letters to Progressive Management Systems regarding XXXX collection accounts that I wanted validation for. 

Here is the first part of the letters to which i never received a response : To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX Reasons : I would like to be provided proof that I CONSENTED to here accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of he Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address immediately.

Remove Collection accounts from my credit report due to violation of 15 USC 1681i ( 5 ) ( B ).

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Recently, I sent a certified letter/affidavit with a notarized signature to XXXX regarding a public record that has not been validated. Despite this, XXXX has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email that my credit limit was changed. When I logged into my account, my XXXX XXXX AMEX card limit was reduced. XXXX limit was $ XXXX with about {$12000.00} available went to {$8300.00} limit and {$480.00} available. I have never missed a payment and always paid more than the minimum. I've had this card since earlier than XXXX and a member since XXXX my account history with AMEX has been excellent. Yes, my XXXX XXXX has changed but that has not impacted my obligation to pay my debt. Reducing my limit impacts my XXXX XXXX which further perpetuates the cycle of my score decreasing do this action. I understand the economy is challenging and uncertain, but I value my relationship with AMEX and would appreciate their partnership with a consumer that is committed to them and reflect that with reinstating my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I call the debt collector to inform them that it is illegal for them to have this on my credit report, for the reason that they have paid the debt and therefore it can not be collected twice, the company name is XXXXXXXX XXXX XXXX the amount is for {$1800.00} the date is XX/XX/2023. I informed them that they must produce original paperwork with my signature which they do not process. So, I politely asked for them to have it removed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-05 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: Click n' Close, Inc.
State: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that three late agencies had taken on a role and had a responsible report. Information to the consumer to the best of its ability with maximum precision. I am not late in the account payments : XXXX  XXXX XXXX : XXXX, Investigate and provide evidence with statements showing that these payments are late. If proof can not be provided, I demand that these payments be updated in time as they should be. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: UT

Complaint narrative:
I purchased a {$200.00} XXXX XXXX XXXX issued by US Bank National Association on XX/XX/23 at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ut ( XXXX ). The card never worked. I spoke to the manager at XXXX XXXX  who reported that the card numbers of gift cards are frequently being stolen before customers can use them. I have been contacting the XXXX XXXX XXXX customer service representatives for months with no results. I have faxed and emailed information they requested in order to be refunded the {$200.00} but each time I follow their guidelines, they make excuses as to why they are not sending me a refund.

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 2024-05-05 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: UT

Complaint narrative:
Experian will not reinvestigate a dispute with creditor : XXXX after they accepted a false and misrepresentation of facts from XXXX verifying accounts due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted a complaint and the law states that there is a max 45 days to have a response to this complaint. I have yet to hear back regarding the complaint from Experian, so I assume that my complaint is indeed accurate and demand these fraudulent inquiries be deleted. 
Complaint Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NJ

Complaint narrative:
The agency known as REMEX INC, has failed to comply with my requests and to date I found this account is still listed on my credit reports. At this juncture I will bring this matter up with the Attorney General and the FTC unless immediate removal of this fraudulent collections account is removed from all credit reporting bureaus The abuse and harassment and falsely reporting a debt along with violating a few FDCPA rules is inhuman.The action this company has taken constitutes fraud under both Federal and State Laws The reply REMEX INC furnished is attached to this complaint which is only an electronic bill and does NOT validate the debt. 

This is the second complaint to this agency in regards to this matter, I am asking for CFPB to fully investigate this complaint before closing it when the company replies with information that has no value. 

I Do not owe the alleged debt and therefore i have requested the following from the company below, which to date has not been supplied : - Proof that your agency has been assigned this debt from the original creditor, I Have not agreed to the assignment of the alleged debt in question in writing or verbally. 

- A valid copy of the original signed contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents, a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation - Proof of the chain of assignment that shows who/what was transferred and to whom/to where it was transferred, with the prior assignors listed ultimately giving your agency the legal right to collect the alleged debt. 

- Proof the account in question is included in any assignment. 

- What the money you say I owe is for - The address and contact number of the original creditor - Prove the Statute of Limitations has not expired on this account - Provide me with your license numbers of the Registered Agent in my state. 
- Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party. 

Please treat this debt as disputed until you provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: MA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief