vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : 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 2024-04-30 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/24 at XXXX am I spoke to the representative at XXXX and she stated that in XXXX hours I would have my updated balance letter. After XXXX hours had passed, there was no letter. I called back and spoke to XXXX representatives, who didn't even know what a letter type of letter I was referring to. They spoke with my XXXX and informed me that I have to wait XXXX business days to get the letter in the mail. I know this is false information and the letter can be faxed or sent via email in an encrypted file. I explained how this letter is needed for the mortgage company. These representatives were not helpful kept me on hold for a long time having side conversations with XXXX another. I asked for another XXXX and was told there is no other 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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a tax refund check from the state of Virginia into my account today XX/XX/XXXX and I received an email that said that they thought this check was fraudulent and wouldnt clear based on some confidential information that they had so they are going to hold the check until XXXX XXXX, which is absolutely unacceptable. This check is from the state of Virginia and its a tax refund made out to both my husband and myself. 

When I saw that when I saw the check was being held that long I called immediately and asked them to cancel the check so that I could deposit it into my XXXX XXXX account. They said this couldnt be done. I think thats a bold lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. These list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

a. Account Name : XXXX XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX  Account # XXXX c. Account Name : XXXX XXXX - XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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. Code 1681s2 ( a ) ( 1 ) ( B ) ( ii ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the information is, in fact, 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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to bring to your attention an error in the information contained in my File Disclosure. Upon reviewing the report, I noticed that it incorrectly states that I am in XXXX due to an account with Wells Fargo. However, I have confirmed with Wells Fargo that my account has been closed since 2018 and I do not owe anything on any checking accounts or credit card accounts with them. 

I spoke with a representative from Wells Fargo who advised me that I should not be in XXXX by them as there is no outstanding balance or any issues related to my account with them. Therefore, I kindly request that this inaccurate information be rectified as soon as possible. 

I believe that maintaining accurate and up-to-date information in my file is crucial for my financial well-being, and I would greatly appreciate your prompt attention to this matter. 

Thank you for your cooperation and prompt action in resolving this issue.

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 2024-05-01 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: SC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 of 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 2024-04-30 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: LA

Complaint narrative:
I just received copy of my credit report and found those fraud inquiries below that were used without my knowledge. 

XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX  XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX DELETE ALL THOSE 9 FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b XXXX This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Incident Description Upon checking my credit report and receiving multiple letters concerning auto loans and credit cards, I learned that I had been a victim of identity theft. 
XX/XX/XXXX a XXXX XXXX Credit card was opened with a credit limit of {$300.00}. Partial account number : XXXX XX/XX/XXXX a XXXX XXXX was opened with a limit of {$6000.00}. Partial account number : XXXX XX/XX/XXXX a XXXX Credit Card was opened with a credit limit of {$200.00}. Partial account number : XXXX XX/XX/XXXX XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$40000.00}. The remaining balance is {$31000.00}. XX/XX/XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$22000.00}. The remaining balance is {$6400.00}. XX/XX/XXXX a XXXX  XXXX Credit card {$530.00}, XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  date unknown {$9700.00}. XXXX, XXXX XXXX XXXX XXXX XXXX 2 accounts {$6000.00} and {$25000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$2700.00}, Columbia Debt Recovery {$10000.00}, and XXXX XXXX XXXXXXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OK

Complaint narrative:
There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have XXXX inquiries that are also fraudulent please delete them also XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries

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 2024-04-30 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: OK

Complaint narrative:
There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: OK

Complaint narrative:
There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I am a licensed firearms dealer and my customer from XXXX was wiring funds for a purchase to secure inventory while I processed an export permit with XXXX. I sent the international wire instructions from Relay Financial Technologies , Inc. that used XXXX XXXX XXXX as their payment processing institution. My customer sent the wire and sent me the wire confirmation. I then received an email from Relay asking for the nature of the wire and for additional information. I provided the information, Incvoice and a letter from XXXX XXXX XXXX that explained the transaction. About an hour later, I received an email notifying me that the transaction was unsuccessful. I then called and opened a trouble ticket with Relay and inquired as to the reason it was unsuccessful. They responded by writing to me that XXXX XXXX declined to process the payment due to internal policies and sent me a link to their site. While this was a lawful transaction, XXXX XXXX applied their internal policies to a wire transfer. This is illegal in the state of Georgia where I have offices, and the state of Wyoming where I am registered, under XXXX. XXXX and Wyoming Statutes Title 13, Article 3 discrimination by denying a service to the firearms industry. Since they are nationally chartered, they must comply with all state laws. I want you to suspend their ability to operate in the united states until they comply with state laws of Georgia and Wyoming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint against Midland Credit Management , XXXX XXXX 
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. 
It has come to my attention that Midland Credit Management XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my rights to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Midland Credit Management XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Midland Credit Management XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Midland Credit Management XXXX XXXX is blatantly false. I neither received any services or products from Midland Credit Management XXXX XXXX nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

The actions of Midland Credit Management XXXX XXXX constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( a ). I am formally demanding the swift deletion of this collection from my credit report, and I trust that Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
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 informationisinaccurate.

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 2024-04-30 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: GA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief