vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Dear, CFBP officer. 
I reported and disputed about this Identity theft roughly 3 months a go regarding TRANSWORLD SYSTEM INCXXXX XXXX XXXX  XXXX PA XXXX they claimed I owe them {$2300.00} for service that never exist. I never knew this company and does not exist in Ca. please CFBP help me. this company really ruin my credit score. I did report and dispute to XXXX credit company too, but they still has not remove it yet. I really don't know what to do anymore. should I hire an Attorney to file a lawsuit against this company? I will be really appreciate if you can tell XXXXXXXX XXXX XXXX to remove this company from my credit report and restore my credit score back. Thank You CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
Hello, I am writing regarding a major concerning issue regarding MOHLEA. They have incorrectly listed my loan balances on my credit report. I have seen on my credit report that they have my loans listed XXXX times on my credit report. So instead of showing a balance of {$290000.00} on my credit report, it is showing my balance as {$880000.00}. This is egregious and is false. I would like to have this rectified as soon as possible. I have contacted MOHLEA and they have made it very difficult to get ahold of them. I am concerned about this inaccurate reporting on my credit report. Please contact them as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 was stunned to see inaccurate accounts on my credit report tonight, and I have no clue how they got there. I routinely check my report, but this time, there were strange discrepancies that I didnt expect at all. I even tried refreshing my browser, hoping it was just a glitch, but the errors stayed. Im truly frustrated and am asking that the documents Ive sent are carefully reviewed to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALLY FINANCIAL for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX XXXX  performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : XXXX. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had an account with Bank of America which i closed in XXXX. XX/XX/XXXX an online merchant refunded an order i placed for {$720.00} and incorrectly refunded it to my Bank of America debit card ( debit card ending XXXX ) which was still in their system. I contacted the lender who showed that the payment did go through and was accepted by the bank despite the card and checking account being closed. they provided me with the XXXX number XXXX. If the bank had rejected the payment due to a closed account they would have been notified and could route to a current account but as BOA accepted the payment BOA needs to either reject the transfer or refund me. I've called BOA multiple times with this information and been told there is no way they could receive a payment to that account despite the merchant providing proof that they did.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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 XXXX 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 2024-11-14 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: MOHELA
State: MA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my XXXX credit report, and noticed some late payments posted on my credit report : Name : XXXX  XXXX Account Number : XXXX Reporting Period 1 : XX/XX/XXXX Reporting Period 2 : XX/XX/XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the late payments referenced above, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identify Fraud Fair Debt Collections Practices Act 15 U.S. Code 1692g violations Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S. Code 1681n ] Attached supporting document : XXXX  Credit Report snapshot showing the two reportings in violation of the Fair Credit Reporting Act 15 U.S. Code 1681. 

Thank you for your cooperation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX Soc : XXXX DOB : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: CA

Complaint narrative:
I transferred {$1800.00} to Sigue Company on XX/XX/year>, but my family has not received the money yet, and I can not contact Sigue Company. Sigue Company has closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
15 U.S. Code 1681c-2a 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 XXXX  business days after the date of receipt. It has been more than XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIAYELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the following accounts listed IMMEDIATELY. 

My information with XXXX has been breached and here is the proof attached below. They refuse to delete these accounts. So please delete this from my credit report immediately as I was a victim of this data breach. I received a copy of my credit report and found the following item ( XXXX ) to be in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: PA

Complaint narrative:
I had a bitcoin on an online storage site, blockchain.com. I went to check on it and its gone. This apparently is a common issue with these people. I opened support tickets and no response to any of them for several weeks. These guys are running some sort of scam and should be investigated. My losses are greater than XXXX dollars. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX  {$690.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXk {$84.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} Inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of the charge-off account associated with Lexus financial Services XXXX XXXX ] on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX  years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) 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 2024-11-14 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I recently discovered this parked debt account on my XXXX credit profile. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute this alleged debt. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting this alleged debt on my credit profile and I feel like im being extorted into paying something. I believe this accounts to be inaccurate and falsified. this must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying this alleged debt that have not been verified with me that they are my responsibility. Under XXXX you are supposed to have my consent to share my private financial information with XXXX parties and I DO NOT CONSENT TO THIS by your company. I am not aware that I have any contracts with you. This is considered unauthorized use of credit which I received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to XXXX parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i may verify responsibility of this debt. XXXXPlease provide the XXXX form that was used to verify authorization to open an account XXXX. Please provide all correspondence records for the accounts. XXXX. Please provide the applications with the original creditor that verifies this accounts as belonging to me. XXXX. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. XXXX. Please provide verification of whether or not this accounts were assigned or purchased by your company. XXXXProvide the Regulation F Disclosures. XXXX. Provide the XXXX Accounting for this accounts so that I may verify the creditor/credits/debtor/debt on the account. I need all of the above in order to do my due diligence on this matters. Please do note that I am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for this violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter, I expect response in a reasonable time frame which would be XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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