vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion is intentionally keeping scores low I would suspect to keep interest rates high. 
On multiple occasions events should cause my score to go up but it goes down. For instance two account account balances decreased and score dropped XXXX points two account balances increased and score dropped XXXX points. Debt ratio is supposedly 35 % of score but I have no collections perfect payments for 3 years and my score continues to drop. My credit score was higher when there was only negative information than it is now with mostly positive all accounts current paid as agreed and my score is XXXX it was over 600 when I had collections and late payment and charge offs. Payment history is supposed to be 35 % also and mine is perfect. Debt ratio is obvious 100 % of score because mi e is at 100 % no late payments and my score continues to drop. I thought your score was to show whether you pay your bills? 
Apparently not because I make every payment on time for years and my score goes down. I would like Transunion to explain this to me. Like I said my score was higher when I never paid bills than it is now that I do. 
Also I would like transunion to be held accountable for intentionally holding scores down to keep interest rates high. I know several people who experience the same problem. I believe creditors and transunion work together to keep scores down. They shouldn't be biased and should base a score on payment history as advertised they are costing consumers billions

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information has been sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On credit report us dept of education Has 2 accounts open for XXXX XXXX XXXX XXXX XXXX Stating account was opened in 2018. Which i didnt open a loan from the said creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: CA

Complaint narrative:
On credit report us dept of education Has 2 accounts open for XXXX XXXX XXXX XXXX XXXX Stating account was opened in XXXX Which i didnt open a loan from the said creditor.

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 2023-11-26 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: GA

Complaint narrative:
XXXX XXXX  My information was sold and bought illegally because I was a victimof the XXXX data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has wipe my credit clean of this wrong doing to my credit. I will attached that as well. 

I'm asking for a deletion of these illegal accounts from my credit reports from XXXX and Transunion. 

As follower : XXXX XXXX XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance {$700.00} XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX Balance {$4000.00}

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 2023-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked what I could do to settle this because I apparently had some one taking advantage of my information, numerous discussions and disputes they told me I had. To pay, they also stated. That I could not remove the information and charge offs I told them someone took advantage of my information I disputed them and discussed them and they are still on there I had to XXXX and do my research

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: FL

Complaint narrative:
I asked what I could do to settle this because I apparently had some one taking advantage of my information, numerous discussions and disputes they told me I had. To pay, they also stated. That I could not remove the information and charge offs I told them someone took advantage of my information I disputed them and discussed them and they are still on there I had to XXXX and do my research

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 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I recently received an 'error correction ' to my Bank of America credit card account. But it only corrected a small amount of errors I have encountered over the years ( inconsistent and excessive interest fees when no purchases were made, other fees aka 'junk fees ' being charged to my account ). I have not always, and most often not, received cash rewards consistent with my credit card agreement. I believe that alternative accounts were open in my name for a period of time as well due to strange calls and emails that would be consistent with this activity, so believe I am probably a victim of the misuse of my sensitive information. I am happy to have received some remuneration for all this, but it seems inadequate. The process that led to the amount I was credited is completely opaque. I am hoping for assistance in finding out how to identify what Bank of America genuinely owes me for all of these practices so that I can request it back. Apologies for the 'broad strokes ' message. I only just now became aware of the CFPB action against Bank of America and it gave me a little hope that I can come out of this fog and be fairly remunerated for unfair practices on the part of Bank of America. I hope this complaint is a concrete step in that direction. Thank you for your time in reviewing my message.

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 2023-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO XXXX SOO PROVE NOW OR DELETE CLAIMS. UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO XXXX XXXX FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX XXXX XXXX CC.PROF OF RESIDENCE CC.SOCIAL SECURITY

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 2023-11-26 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: NC

Complaint narrative:
I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}

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 2023-11-26 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: NC

Complaint narrative:
I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I do not know the exact date that Wells Fargo froze my personal checking account stopping thousands of dollars in transactions because they did not inform me. It was sometime in early XXXX. By the time I found out in XXXX ( as I started recieving late notices, lapse in coverage form insurance policies etc. ) it had wreaked havoc as all of my bills, payments have been on autopay for many years. I have virtually no history of bounced checks, payments or anything adverse to effect my account which has been in good standing for over 20 years. There was virtually ZERO reason for this freeze and Wells Fargo admitted this error in writing but they are not offering any remedy for the financial chaos and losses I have experienced. So their letter of apology means nothing. I don't believe a bank should be allowed to do this and not have to be responsible for the consequences their actions have had on me, my finances, my credit and especially the loss of over {$500000.00} in life insurance policies that I've owned for years that I am no longer healthy enough to replace. It is devastating to me that my family/ estate will not be protected now upon my demise. The stress of this has also impacted my health ( which is already compromised ) and well-being considerably. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OR

Complaint narrative:
I applied for a discover XXXX credit card. I am supposed to be guaranteed approval if i am a XXXX  They are not suppose to do a back credit check and my source of income is my leftover financial aid payments. Why am i not approved? This company is not following its guidlines and is depriving me of my college perks that im legally qualified to get based on my enrollment and my financial aid income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I have sent demand letter requesting signed information to show me where it states on my lease that a tenant is responsible for what they are claiming I need to pay for such as : paint and carpet cleaning. I lived in this apartment for 4 years and in Nevada that is nothing more than normal wear and tear. I have read through my lease and nowhere does it state a tenant is responsible to pay a fee for carpet cleaning and paint upon move out. Not to mention they also kept my security deposit as well. Which is why I feel I am being wronged in having to owe the amount of {$290.00} they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want those items deleted from my credit reports effective immediately : living address or previous address of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX as well.These are the most recent. And there are various hospital bills that do not belong to me from XXXX XXXX  Florida from a while ago that was on there. I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquiries from my credit report because my score has suffered greatly and it's still suffering because I am still getting inquiries that are not mine. 
In the year 2020 month of XX/XX/XXXX day, I began noticing inquiries that didn't belong to me and having to scour my credit report because of such inquiries that were not mine as well as charges or services that did not belong to me and improper information on my report that did not belong to me. And then later down the line after searching it all ring a bell, I must have been a victim of this credit breach and my information was and still is being sold and used wrongfully by criminals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: LA

Complaint narrative:
These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX  THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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