vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 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: MS

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-12-03 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: TN

Complaint narrative:
I am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: TN

Complaint narrative:
I am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand 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 2023-12-03 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: TX

Complaint narrative:
My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, XXXX, and TransUnion have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.

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 2023-12-03 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:
I am writing this formal grievance and a request for immediate action on your part. You are improperly reporting to XXXX, consequently harming my credit. Concerningthe provisions of the FCRA, also known as the Fair Credit Reporting Act, you are acting dishonorably. Acts of non-observance can result in fines and damages. I am only offering you one last hope for the suitability of this alleged credit situation. I had previously sent you a letter informing you that you were inappropriately reporting. Furthermore, in that request, I did assert your requirement ( s ) to properly modify my file. Because of your now-clearly ongoing misreporting ( s ), albeit all or any unfair and/or unethically non-compliantly reported insinuates that my forwarded notice wasdisappointingly belittled and or denigrated.

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 2023-12-03 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:
I am writing this formal grievance and a request for immediate action on your part. You are improperly reporting to XXXX, consequently harming my credit. Concerningthe provisions of the FCRA, also known as the Fair Credit Reporting Act, you are acting dishonorably. Acts of non-observance can result in fines and damages. I am only offering you one last hope for the suitability of this alleged credit situation. I had previously sent you a letter informing you that you were inappropriately reporting. Furthermore, in that request, I did assert your requirement ( s ) to properly modify my file. Because of your now-clearly ongoing misreporting ( s ), albeit all or any unfair and/or unethically non-compliantly reported insinuates that my forwarded notice wasdisappointingly belittled and or denigrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: TX

Complaint narrative:
I am a victim of identity theft and I have been filing the correct disputes to the credit agencies according to the FCRA. MY disputes are not being filed correctly and the paperwork I attached is not being forwarded. The FTC reports are not going being attached to the disputes. I am not getting copies of the verification process. This is all in violation of the FCRA>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: GA

Complaint narrative:
The following companies have been furnishing unauthorized and unlawful information in accordance with Federal law 15 USC 1666b... ALL LATE PAYMENTS MUST BE REMOVED from my account immediately. 
Here are the following accounts that are also not XXXX XXXX compliant... 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Bank In addition, I have supplied a Federal fraud report for all the above accounts. The accounts need to be removed. I am also requesting the written permission from your company that gives you my permission to report information via my permission, and for you to request the same from your affiliates.

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 2023-12-03 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: TN

Complaint narrative:
I have been filing fraud disputes that are not being processed and the FTC paperwork I send in is not being attached correctly to the disputes. I am not getting copies of the verification process. This is in violation of the FCRA regarding fraud/identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
For almost 6 days been trying to get XXXX money from VA TREASURY thru my credit karma account ive allways had and they refuse to acknowledge any funds in the accound and that my trace ID # is too long over 15 digits and no info on my old account and why it isnt in the new account or why i cant get an answer from using my trace id to loacate funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: CT

Complaint narrative:
15 U.S.C. 1681 Section 602 A - I have rights 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 ) states : No consumer reporting agency may make any consuming 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I did not receive any disclosures on opting in or out of credit reporting at closing. I have asked for the opt-in and opt-out documents, in addition, I need a copy of the 3-day recission documentation that outlines that I had 3 days from the date signed to cancel the loan. These are all supposed to be given to be in line with Federal laws / RESPA/.

The Company repeatedly sends a copy of a Note and DEED not signed by them so there is no agreement.

I have ALL the original closing documents and there are no opt-in opt-out in regards to credit reporting and 15 USC 1666 B, states that they need my permission. RESPA, and TILA disclosures are also not in the closing documents in regards to the 3-day right to rescind. 

Do to the strain of fighting with the bank I am facing a divorce and have advised the Bank to forward all mail to XXXX XXXX XXXX XXXX GA XXXX to ensure that I receive their correspondence.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About 5 month ago someone start charging money from my checking account, I've noticed and called to file a complain, bank closed my account and opened fraud case. On XX/XX/2023 I received letter from Citi Bank stating that investigation is complete and permanent credit was applied to my account, I called to the bank and they said they send a check for the amount of {>= $1,000,000}, I did not receive money and called again, they said that they got the check back, we checked the address and found out that they put wrong apartment number ( instead of apartment # XXXX they put Apartment # XXXX ) someone in the bank made a mistake, because before I received my debit card and other correspondence to the correct address, after that conversation, I called every week, no one was able tell me where the check, I went to the bank a few times, branch manager told me that he will find out and will call me. He did not call, I went again, he said they shroud have send by now and he does not understand why they still did not send money is still there on some reserve ledger. Manager said they he send 5 emails with questions to proper department, No 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 monetary relief
Consumer complaint received 2023-12-03 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: TX

Complaint narrative:
My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, Equifax, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: TX

Complaint narrative:
My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' Experian, XXXX, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.

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 2023-12-03 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: TN

Complaint narrative:
I have been trying to remove fraudulent accounts from my credit report due to identity theft. The disputes I am filing are not being done correctly and the paperwork I am submitting is not being attached. The FTC reports are not being sent to the creditors and I am not getting copies of the verification process that I am requesting according to the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I told Capital One this was not my debt. They still continue to charge me. I submitted an application to have the fee reversed and collections terminated. They never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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:
I am a victim of identity theft and I have been filing disputes to remove the fraudulent accounts. The disputes are not being filed correctly and the FTC paperwork I am submitting according to the FCRA is not being submitted with the disputes. The people I talk to don't understand English and are not helping. I am not getting copies of the verification process per the FCRA.

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 2023-12-03 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: CT

Complaint narrative:
Please look at the attached documents.

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 2023-12-03 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: MS

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
XXXX XXXX XXXX XXXXXXXX

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 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BOA maliciously denied my online access to my mortgage account messages, statements and all other documents for my mortgage loan number XXXX with no explanation, all that occurred by design as BOA always on weekends, to intentionally induce XXXX and fear for no reason other then to intimidate customers. 
I have been denied modification and I am in the process of getting my XXXX XXXX XXXXXXXX XXXX approved to pay the balance due, XXXX XXXX XXXXXXXX program analyst called and spoke with BOA to let them know about the pending approval application. 
my Mortgage loan number is 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 2023-12-03 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: NH

Complaint narrative:
My information was sold and bought illegally because I was a victim of 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 done nothing. Please help me delete the below illegal accounts from my XXXX, Transunion, XXXX credit reports XXXX XXXX 30 day late payment Bank XXXX XXXX account # 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 2023-12-03 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: NH

Complaint narrative:
My information was sold and bought illegally because I was a victim of 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 done nothing. Please help me delete the below illegal accounts from my experian, XXXX, XXXX credit reports XXXX XXXX- 30 day late payment Bank XXXX XXXX account # 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 2023-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor Advocates Inc
State: MN

Complaint narrative:
On XXXX, I received a demand letter from a collection agency by the name of Creditor Advocates Inc dba XXXX XXXX collection agency. Their contact information, listed at the top of the letter, is the following : XXXX XXXX XXXX XXXX XXXX  MN XXXX ( XXXX ) XXXX XXXX This is not my debt. The underlying creditor is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with an apparent service date of XX/XX/XXXX. I never had a tow on or around this date, and was in fact living 60+ miles away at the time, in XXXX MN. I have never even heard of this towing company until now and didn't even know it existed. 

In addition, this is the first time I have ever heard of this until now. This appears to be a possible scam or some sort of shakedown.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief