vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: MI

Complaint narrative:
W/o recourse W/o prejudice 15 USC 1681 section 602 a states " 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. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have on multiple occasion requested Experian updade my personal information to match my XXXX, XXXX and XXXX XXXX. They have over many calls lied and said it is the other credit reportorial agencies. They have ignored drivers license sent in, lease sent in, bill statements sent in. They REFUSE to update my file and continue to month after month prevent me from fixing the errors. When i call they say its the other companies issue. Included is the incorrect names and address within the file. XXXX names and XXXX address non of which are current address lived at past XXXX years

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 2024-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO Synchrony. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. 

In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. 

Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a questionable and unverifiable debt entry on my credit report, associated with an account I have never authorized or engaged with. The entry in question is linked to CBE Group for a supposed Charter Communications account, which I assert is a mistake or a case of mistaken identity. 

**Details of the Disputed Entry : ** - **Service Provider : ** Charter Communications - **Collection Agency : ** CBE Group - **Reported Account Date : ** XX/XX/year> - **Amount : ** {$320.00} I firmly state that I have never opened an account with Charter Communications nor authorized any transactions that would link me to the aforementioned debt. The appearance of this account on my credit report is erroneous and is causing undue harm to my credit score and my ability to secure future credit. 

Given the above, I request the following actions to be taken : 1. A thorough investigation of the disputed entry by CBE Group for Charter Communications, as per the regulations governed by the Fair Credit Reporting Act ( FCRA ). 
2. The immediate removal of this incorrect entry from my credit report with all the credit reporting agencies, should there be no concrete evidence substantiating this claim. 
3. Provision of all documentary evidence that supports the validity of this account, assuming such records exist. 
4. A written confirmation sent to me acknowledging the receipt of this dispute and updates or results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I bought 2 used 1999 XXXX XXXX parts from a person on XXXX. I paid via Bank of America XXXX app a XXXX  transferin the transfer I indicated it was for XXXX XXXX XXXX parts the transaction was all a fraud. I didnt get the items, they didnt refund me the money and their XXXX account disappeared. I called Bank of America to report this scam. They took all my info and a week later I got a letter Saying they werent going to refund me for the fraudulent scam because THEY transferred the money as requested.. it was only XXXX but it was FRAUD, a scam. I am entitled to a refund of my money. Please help me get my money back.

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 2024-03-12 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: MA

Complaint narrative:
In accordance with with the Fair Credit Reporting Act this creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-03-12 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: FL

Complaint narrative:
As a federally protected consumer, I am writing to formally address several concerns regarding the unauthorized sharing of my personal information and collections activity by your company. I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, in accordance with the provisions outlined in 15 U.S Code 6802-6805. This opt-out is effective immediately and indefinitely.

It has come to my attention that your company has engaged in the sharing of my private information with third-party agencies without my explicit consent. This action is a blatant violation of my privacy rights as guaranteed under the Privacy Act of 1974. I want to make it unequivocally clear that I have never authorized any entity to disclose my personal information to third parties for any purpose whatsoever. 

Furthermore, I demand the immediate cessation of all collections and charge-off activities associated with my account. It is essential to note that any attempt to collect on these debts is in violation of federal law. Under IRS publication guidelines, collections and charge-off activities are considered a certificate of indebtedness, constituting income that must be reported and subsequently removed from any records. 


Thank you for your attention to this matter. I trust that you will act swiftly to rectify these violations and prevent any future breaches of my privacy rights. 

Sincerely,

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 2024-03-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and 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 2024-03-12 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: CO

Complaint narrative:
I am writing to file a complaint against Experian regarding their failure to resolve an inaccuracy on my credit report following my dispute submission. 

On XX/XX/XXXX, I submitted a dispute to Experian through the XXXX XXXX XXXX, requesting an investigation into an item in the XXXX XXXX section of my credit report : XXXX XXXXXXXX XXXX XXXX  XXXX Identification Number XXXX. Despite my efforts, I received a response back from Experian with investigation results dated XX/XX/XXXX, stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' However, I believe Experian 's investigation was insufficient. It is my understanding that the Public Records section may include items obtained through third-party vendors, such as XXXX XXXX XXXX XXXX XXXX To verify this item, I contacted XXXX on XX/XX/XXXX, but did not receive a response with investigation results. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting detailed information regarding the reinvestigation procedure, as outlined in 15 U.S.C. 1681i ( b ) ( 7 ), for the disputed item : XXXX XXXX XXXX XXXX  XXXX Identification Number XXXX. Specifically, I request the following information : 1. The Date You Contacted the Creditor/Furnisher : Please provide the specific date on which you initiated contact with the creditor regarding the disputed item.

2. Contact Information for the Creditor/Furnisher : Furnish the complete contact information for the creditor, including their business name, address, and any available telephone numbers.

3. Name of the Person Who Verified the Item : Provide the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

4. Method of Communication Used to Verify Information : Specify the method ( s ) through which you communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). 
XXXX. Did the Creditor Provide SSN, Address, and Date of Birth? : Confirm whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.

Enclosed, please find a copy of the dispute letter sent to Experian, along with Experians investigation results for reference. Additionally, I am providing a copy of the dispute letter mailed to XXXX as additional evidence of my attempts to address this matter directly.

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 2024-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUERIES FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
Kingston Data and Credit has flagged my collections for {$300.00}. I have no knowledge of this debt or where it comes from. I never gave Kingston Data and Credit my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt. Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: The Leviton Law Firm, Ltd.
State: OH

Complaint narrative:
I requested more information on what the debt was. The collector sent a sheet with a commission payments that I could not understand. I need more details to understand what the debt is and why the are collecting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: LA

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding XXXX XXXX for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,

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 2024-03-12 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for {$3000.00}, concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I initiated a dispute regarding XXXX XXXX for {$3000.00}, as reported in my credit report. As per the FCRA, specifically under Section 611 ( 15 U.S.C. 1681i ), creditors are required to conduct a reasonable investigation upon receiving a dispute and provide verification of the disputed data. 

However, despite my repeated requests and the adequate time provided, XXXX XXXX {$3000.00} has failed to furnish any evidence or documentation validating the accuracy of this disputed item. This failure to respond appropriately contravenes the FCRAs provisions which are designed to protect consumers from inaccurate and unverified credit reporting. 

This unverified information has caused significant harm to my credit reputation and has been a source of considerable distress and inconvenience. It is my right, under the FCRA, to have accurate, fair, and substantiated information reflected in my credit report. 

Therefore, I am seeking the CFPB 's assistance in resolving this matter. I request that the CFPB takes appropriate action to ensure that XXXX XXXX complies with the FCRA regulations by either providing the required verification or removing the disputed item from my credit report. 

Enclosed with this letter are copies of the correspondence with the creditor and any relevant documentation supporting my claim. I trust that the CFPB will address this issue promptly and uphold my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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