vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WA

Complaint narrative:
Received a letter from " Credit Control LLC '' with a business address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The letter stated that the current creditor is " XXXX XXXX XXXX ''. The letter stated the original creditor was " XXXX XXXX XXXX XXXX '' for the amount of {$1900.00}. I do not have any recollection of a purchase for that amount or from that company. 

I XXXX searched XXXX XXXX & Credit Control LLC and it had hundreds of reviews stating it is a scam. To confirm, I called XXXX XXXX XXXX XXXX requesting information on the purchase as it was not something I recognized. XXXX XXXX XXXX XXXX looked through their data bases- they confirmed there was nothing with my name, XXXX XXXX XXXX, email or phone number associated with any purchases at their store ( XXXX ). However, my credit karma account is showing XXXX as a delinquent account opened on XX/XX/year>. I would like to get this dropped from my credit.

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 2024-06-20 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by Transworld Systems Inc. The basis of my complaint is that Transworld Systems Inc is not licensed and bonded to collect debts in the state of Georgia, where I reside. 

According to Georgia XXXX law, debt XXXX must be properly licensed and bonded to engage in debt collection activities. Transworld Systems Inc has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations. 

I did not authorize Transworld Systems Inc to use my personal information for debt collection purposes. Their lack of proper licensing and bonding further compounds the illegality of their actions. Moreover, their failure to respond to my cease and desist letter underscores their disregard for consumer rights and legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a pending debit from my account. I always wait to see what comes though in the morning to make sure its a valid pending debit so I can make sure the transaction is legitimate. I have been in a position previously where I had someone use my account and routing number in which to withdraw money with an ACH transaction out of my account. I lost that money and never got it back. So now I wait to see what transactions are pending in the morning and then I transfer the money from a separate account at the same bank into that account that pays my bills. It provides me peace of mind. So I transferred money into that account for the pending transaction and that transaction was paid by my money not the banks money, yet Wells Fargo the next day charged me an overdraft fee for the pending amount that I paid with my money transferred from XXXX of my other Wells Fargo checking accounts. I find it obscene that Wells Fargo what have the gall to charge me an overdraft fee for an item that was paid with my money not theirs. If they're doing this to me they're doing this to thousands of customers.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is closed with a XXXX balance. Balance needs to be update. 
Also show as paid/never late. 

XXXX XXXX XXXX acct ending in 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account is closed with a XXXX balance. Balance needs to be update. 
Also show as paid/never late. 

XXXX XXXX XXXX acct ending in 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 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
I requested forbearance on XX/XX/XXXX, XXXX payments are due and Interest keeps accruing and my application still has not been accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-06-20 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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is a complaint following my previous complaint : XXXX. I applied an Amex XXXX XXXX XXXX in XX/XX/year>, and Amex promised XXXX membership rewards after I spent {$10000.00} more. However, Amex refused to give me the rewards and said I am not eligible. 

I have read Amex 's response carefully, and did not believe Amex told the truth : 1. Amex said " We advised you were ineligible '', which is not true. I did not see the notice during the application process. As a reliable company, Amex should keep a record about this. However, all I was told was " we have a standard process ''. Did Amex check if there was technical leakage and their logs?

2. Amex said " We did not find that this offer was rescinded as a result of you advising that you would be filing a regulatory complaint as you indicated in your complaint. '' The customer service person clearly told me " If I filed a complaint, Amex will not give me that offer ''. Otherwise, there is no reason I would reject the offer ( if you consider the offer is kind of free rewards ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have included proof that these accounts are inaccurately report as delinquent accounts. One bureau is reporting accurately and the other is not. This tome sounds like a billing error.

For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: PA

Complaint narrative:
I think FCRA 605B requires the removal of any wrong accounts from my credit report. Could you examine the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.

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 2024-06-20 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have several unauthorized hard inquiries on my credit report, which are fraudulent and likely due to identity theft. Under 15 U.S. Code 1681c-2 of the FCRA, these inquiries should be blocked. Attached are my FTC Identity Theft Report, identification, and credit report highlighting these inquiries. I request their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: LJ Ross Associates
State: GA

Complaint narrative:
NOTICE * GRAMM LEACH BLILEY ACT * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to L.J. ROSS & ASSOCIATES that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does L.J. ROSS & ASSOCIATES, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be proven and substantiated, I DEMAND that L.J. ROSS & ASSOCIATES PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
date opened XX/XX/year> amount {$2200.00} XXXXXXXX XXXX  : Account number : XXXX THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN NY i never open XXXX XXXX XXXX XXXX {$2200.00} XX/XX/year> Account Number : XXXX address i never lived in XXXX XXXX XXXX XXXX XXXX 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 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received a call shortly after XXXX XX/XX/2024 from a gentleman who identified himself as XXXX from Professional Credit Services . He informed me that it was an attempt to collect a debt with all of the proper disclosures including that a recording was being made. He then proceeded to tell me that unless I made payment arrangements immediately that they would proceed to take legal action. I then had to ask what the debt was for and in what amount. The debt is for approximately {$500.00}. When I questioned the cost of such an event, lawyer fees, etc. I was met with more hostility. " I am not here to discuss the law sir. '' I do recognize this debt and intend to pay it in full. But the person on the phone used threatening tactics and was quite combative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-20 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: TX

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. 

Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXXXXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX, ACCOUNT # XXXX ( APPEARS TWICE ON MY CREDIT REPORT ) Account name : XXXX XXXX XXXX XXXX  ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.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.THEY DO NOT HAVE MY WRITTEN CONSENT!

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 2024-06-20 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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