vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX Inquiry : XX/XX/XXXX 3. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4. XXXX XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 6. XXXX Inquiry : XXXX. XXXX, XXXX 7. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 8. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2023-09-12 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: NC

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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
This XXXX account is very old account. 
I asked them to remove the account from my credit in a dispute foam. Due to the time laps of 7 years of hard times. 
What was done instead of removing the account from my credit report. 
The debt collector restarted the clock on the age of the account. 
This issue needs to be resolved ASAP. 

But I am on hard times financially. 
This account affected my credit report for a very long time and needs to be addressed Immediately. 
Thanks again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
This is a phishing scam from someone other than XXXX  who is impersonating the company in order to get funds from me. This is in regard to an item in the front of my desk that I have up for sale on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ever since the XXXX data breach that leaked my information, I froze all my credit reports. Experian has not allowed me access to my online account to unfreeze my credit. When I try to log into my Experian online account, I receive an error message and the provided phone number is only automated messaging which does not allow to unfreeze my credit even though supposedly that is one of the options. I have tried multiple Experian phone lines- all automated, none provide unfreezing credit services. There is no way to connect to a human Experian employee to help me. Experian is using my information to make money off of me and Experian does not allow me access and control of my own information. This is a huge problem. I am not able to apply for a place to rent. I am not able to apply for credit cards or loans.

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 2023-09-12 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: TMX Finance LLC
State: AL

Complaint narrative:
I have called InstaLoan multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DO NOT ACKNOWLEDGE THESE INQUIRIES : XXXXXXXX XXXX XXXX  I DO NOT RECOGNIZE THIS ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX  Account Number 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 2023-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group
State: CO

Complaint narrative:
Moved in XX/XX/XXXX, spoke to the office manager XXXX to let her know the smoke in the apartment as well the disregard in cleanliness were overwhelming. 
XX/XX/XXXX - Sent a follow up email asking for help to resolve this, heard nothing back. On this day, I bought cleaning supplies for about a XXXX dollars to try and remedy the smell. 
XX/XX/XXXX - Asked the office for help again and did not hear back. 
XX/XX/XXXX - Reached out yet again, received a response that they would credit me the cleaning supplies but nothing to get rid of the smell. Let them know that there were cigarette stains/ burn holes all throughout the bathroom and no response. 
XX/XX/XXXX - After spending months stayed with friends, asked if I could terminate the lease as nothing had been done nor was any other option given to me to not have to live in a smoke filled apartment. Reached out to the office to let them know my mailbox was broken into for the XXXX time as well. 
XXXX XXXX They quoted me the termination fee. 
XX/XX/XXXX - XXXX, Office manager, said I would not have to pay any other additional fees. 
XX/XX/XXXX - XXXX my final bill ( attached below : moveout statement ). Explained that I was moving because conditions were not as promised and nothing had been done, but no response. Never received any notification on an additional bill.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am a XXXX XXXX AmEx continuously denies my request for SCRA reduction in CC fees. I apply online ; they send me an email rejecting it ; I call them and they open up a service inquiry, then most times they end up honoring the SCRA regulations. Im tired of the run-around and how many other airmen are being incorrectly denied their SCRA benefits? AmEx and XXXX are in a class action lawsuit for this exact reason. I would like to log a complaint against AmEX ; I am just unsure of which entity/company/bureau I should speak with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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:
In XXXX, I was the victim of a XXXX  in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.

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 2023-09-12 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:
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.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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:
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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: AL

Complaint narrative:
I have called XXXX multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending 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 2023-09-12 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: National Credit Systems,Inc.
State: WI

Complaint narrative:
Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, NATLCRSYS, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, NATLCRSYS has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. NATLCRSYS has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : NATLCRSYS Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: WI

Complaint narrative:
Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). 

Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. 

Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX has not met this obligation, and as such, the collection account should be removed from my credit report. 

The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal 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 explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I visited the Wells Fargo branch office on XX/XX/XXXX, regarding four Saving Deposit certificates I found in my father 's safe deposit box. These are the original certificate and I am the joint owner XXXX XXXX XXXX XXXX XXXX ). He recently passed away and my name is also included on the certificate, and I needed to know if or when the certificates were cashed in. I have the original certificates. I also reached out to their XXXX XXXX XXXX, and still did not get an answer whether the certificates were cashed in or still active. Both the branch and the XXXX XXXX XXXX informed me that there aren't any records on these accounts and there is nothing they can do. The certificates were originally opened at XXXX XXXX XXXX on XX/XX/XXXX, which XXXX XXXX XXXX were bought out by XXXX XXXX and the last buy out was Wells Fargo. I was told by both departments that they only keep records for only seven years, and I should check with the state of Florida regarding unclaimed funds. I did go to the state 's site and nothing was there. My problem with their answers is that they must have some type of film or archive files that took place well over seven years. I refuse to believe that a company that size would destroy everything in the past seven years, especially when they have merged with so many financial institutions. I need these certificates researched with a legitimate answer.

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 2023-09-12 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$33000.00} 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 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The loan or account number is not on the documents received from this unknown 3rd party called shellpoint is now trying to foreclose on my home. I have continued to pay the principal on my home, allowed but being ignored by all these financial institutions. 

I have no idea who this company is, but it needs to cease and desist its illegal practices of trying to take my home. there are 2 addresses- one in XXXX, Mi and one in XXXX, SC. both need to be shut down and investigated for illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The account in question was charged off in the amount of {$12000.00} and is reported as being 100 % paid off however I hav not received a 1099c in order to file with the IRS or the title to my vehicle.

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