vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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 am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
XX/XX/XXXX I requested Validation of XXXX  that included if they were bonded to collect debt from me I didn't get proper validation. Then on XX/XX/XXXX I requested that the company send me the original purchase agreement showing that they were legally able to collect debt from me. I didn't get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: KS

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2024 I made several calls to Experian to resolve an issue of a debt that was appearing on my report while applying for a home. Experian reported not seeing this debt, yet I have it in front of me when a hard pull was initiated from the mortgage company. The debt was paid years ago and it is still reporting late. Also, the case of XXXX was resolved years ago as I completely furnished proof that XXXX was in the wrong and I have been fighting with XXXX about this issue with the promise of XXXX resolving this being on my report. Yet again, XXXX has hired a third party collector for the fourth time and it is on all 3 of the credit bureaus. Please see previous dispute with XXXX on this matter through consumer finance. After being transferred several times, I keep getting 'disconnected ' from the agent. I have provided proof numerous times about XXXX showing vast amounts of emails where XXXX states I owe nothing. This was 3 years ago. Additionally, I have a ghost credit being reported as very very late, yet I can't see it and it's been paid. Could someone please remove XXXX again ( this needs to stop as it is seriously lowering my credit worthiness. ) My credit reports all show that I have never been late on anything, yet I have a score of XXXX with the mortgage using its own algorithm. I'm tired of constantly being 'disconnected ' and need this resolved asap.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is infuriating, I've been trying to lift a protected freeze on my credit for 5 years. I've sent certified mail twice and they refuse to give me access to my account or verify my identity. I can not apply for a credit card or apartment with frozen credit, and TransUnion adamantly refuses to verify my identity, unfreeze my credit, or provide me with any options. This is extremely frustrating and I don't know what I'm supposed to do, this company is ruining my life.

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 2024-01-31 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that an account is showing inaccuracy in reporting late payment from XXXX XXXX dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in accordance with the fair credit reporting act this company has violated my rights and with accordance to 15 USC 1681 SECTION 602 states I have the right to privacy also 15 USC 1681 SECTION 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions SECTION 15 USC 1666B STATES a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been having issues with the credit bureaus in the past due to not having a social security number, my passport number has been associated as a SSN in the past by mistake. I eventually got my ITIN, and finally a SSN in XX/XX/2023. I have been correcting my credit reports with all credit bureaus and found out there has been multiple credit reports with different SSN. 
I am aware and confirmed at least one additional credit report using my passport number as a social security number with Experian, I have called dispute department several times and they won't help, or understand my issue. 

I have already contacted all my creditors and updated my social security number almost a year ago. 

It's not fair my credit history is in an old credit file and not in my current report with social security number. 

Please see attachments for cover letter and supporting documentation.

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 2024-01-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have never been late in this account, consistently ensuring timely payments. I'm uncertain why there are reports of late payment remarks on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I have repeatedly requested a copy of the contract that this debt was purchased from XXXX and they have yet to produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX  XXXX XXXX XXXX Balance : {$250.00} - 0 % paid off - Date Opened : XX/XX/year> - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer 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 2024-01-29 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: CA

Complaint narrative:
I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX  XXXX XXXX XXXX Balance : {$250.00} - 0 % paid off - Date Opened : XX/XX/2023 - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I called Equifax on 10+ separate occasions to unlock my credit file as my score has not been updated in 2+ years. They asked me to send in a copy of my ID and SSN card so they could unlock my file so I was able to make an online account with Equifax. To date, my problem has been unresolved, my account is still locked and I am still unable to make an Equifax account due to an error code " NH '' when I try to make an account. 

Upon searching XXXX I see that others have had this issue as well and it took them 6+ months to resolve it with Equifax . I want them to unlock my file so that my Equifax score is available, as well as my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently found a late payment on my credit report that I don't recognize. According to the Fair Credit Reporting Act ( FCRA ), payments are not supposed to be listed. I believe it's a mistake, and I request it be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX Complaint # Attached from, Affirm LLC . Affirm has refused to honor their contractual obligations agreement in my rights of privacy under The privacy Act of 1974. The company has refused in writing to not honor my opt out attached to the recent dispute submitted on XXXX. The company has violated their terms and conditions and privacy policy, which should indicate that Eye have the rights to opt out of this company at any time. Affirm has provided their response by adding non- public transactions on the CFBP claim, continuing to violate the rights of privacy. Affirm has provided an email which stated that they sent an Affidavit, this specific Affidavit was never received. Affirm still disregards the fact that Eye choose to opt out of any consent that Eye may have given you. Affirm does not have Authorization to report to my consumer report as they have breached their contractual agreement with me by reporting without sending me any disclosures giving Affirm consent to report. This account is reporting as a collection account yet According to the FCRA a consumer shall receive a notice of the collection and the consumer has within 30 days to validate the debt. Affirm has not sent any notice of the collection account, but continues to report to my consumer report. This is improper use of my consumer report. Affirm does not have permission to report to any of my consumer reports. As breach of my privacy rights carry several violations per the FCRA each of 1,000XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MD

Complaint narrative:
Please remove hard inquiries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I woke up one morning to multiple notifications from my bank on my cellphone that my transactions for {$20.00}, then {$19.00}, then {$18.00}, etc. were all approved and charged as a payment on XXXX. I do not have XXXX and never have. I immediately froze my card on my bank app and then the transactions afterwards began to decline. I noticed that the person committing the fraud then attempted to charge {$1.00} ( most likely to see if it was blocked or if the funds were used up ). I called my bank when they opened and reported fraud. They initiated an investigation and asked if I had contacted the vendor. I told them yes, but that the vendor was not helping at all and refused to do anything about it or escalate it. The bank investigated and refunded me the fraudulent charges. I called again today many weeks later to XXXX after I found the possible name of the person committing the fraud as my bank put the name on the transaction. The XXXX representative again was unhelpful and claimed that nothing could be done about the fraud and that they don't really do anything about that and to deal with my bank. This has been on the news about lawsuits, fraud, abuse, etc. of this company and their ( in many people 's opinions ) enabling of money laundering and illegal activities exploiting innocent people who fall victim. The government must investigate and either shut these people down out of business or fix this issue. I am writing to my senator and congressman soon. I will not stop and I am exploring my legal options with the evidence that I have so far. Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was trying to login to my account with Bank of the West and noticed that for some reason it had changed from Bank of the West to BMO. I somehow managed to change the password and logged into my account. The funds showed lower than what I had spent. I called the bank and was informed that any disputes must be done in the branch as they were not able to help over the phone. I printed out XXXX transactions from my account that were not mine and went to the branch. The branch seemed confused as to how to help me and told me to call the XXXX number to file the claim as they were in transition and did not really know how to proceed. That is when I got frustrated and raised my voice and stated that I would not leave the branch until they filed the claims. Eventually they filed the claim for XXXX transactions that were not authorized by me and had no relation to me in any ways. I was advised that the process would take XXXX  days and left. Not hearing back from them after a while, I decided to login to my account but still was not able to, so I called the XXXX and was advised that they had locked the account. So they verified me and unlocked the account. I logged back into my account and saw that the balance was still low. So I called them back and was advised that only XXXX transaction from the same merchant was settled but not the other XXXX. When I asked them how it was possible to settle XXXX transaction from the same merchant and not the other, the XXXX had no idea and no information to give. The only info I was given was an email that they said they also used to get any answers, and the XXXX was really bewildered to know that XXXX claim from the same merchant was settled but not the other one. BMO chose the lowest claim amount to settle which did not make any sense as the other transaction was from the same merchant as well.

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 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America/ Merrill Edge blocked access to the accounts under them at Merrill and did not allow access to my funds for multiple weeks as it seems they initially thought some fraud was happening in the account.

After calling them and giving them all the information they wanted and changing ID and passwords per there recommendation they still kept the account blocked despite assurances that the changes done would suffice to release the block.

After 3 weeks of providing all the information asked, the account block has not been lifted, and after multiple phone calls made in those 3 weeks where each successive agents/service person assured me that it was getting resolved within hours am still waiting for the block to be lifted and am now short of funds for completing a real estate transaction.

This is for someone who has been with them for decades as a client, so they have adequate information on self.

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