vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
Could you please delete these inquiries? I am unaware of this situation, and the company proceeded without my 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 explanation
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge about this matter, and the company initiated it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: PA

Complaint narrative:
Kindly eliminate these queries. I lack any information on this matter, and the company proceeded without seeking my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MS

Complaint narrative:
CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX charged off the account XX/XX/XXXX which is the tax year of XXXX. 
XXXX XXXX XXXX made the account a charge off XX/XX/XXXX which is the tax year of XXXX XXXX XXXX XXXX made the account status a charge off XX/XX/XXXX which is the tax year of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MS

Complaint narrative:
CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 XXXX XXXX XXXX made the account a charge off XX/XX/XXXX which is the tax year of XXXX XXXXXXXX XXXX  made the account status a charge off XX/XX/XXXX which is the tax year of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
I was informed today by XXXX XXXX there is auto accident on my record but I have not had a vehicle. 

XXXX informed me the information is listed on the XXXX report for Lexis Nexis. 

I have not had a vehicle since XXXX because I was in the military and out of the country. I returned back to the United States in XX/XX/XXXX and still do not car. 
In XX/XX/XXXX, while visiting the US my license and other documents were stolen because I lost my purse. During that time I had to request a credit lock and monitoring. This is the only even I can think of for the record Today, XX/XX/XXXX while in the process car buying and getting insurance I was informed of the situation on my record. I do not even know who to contact since I wouldnt know why it is on my record. 

I would love to get this resolved as it affects my insurance coverage and policy. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unauthorized and fraudulent charges were made on my account associated with either " XXXX XXXX  '' or " XXXX XXXX  ''. 

The first fraudulent charge I could identify occurred in XXXX of XXXX, and since then the value of fraud has increased month-over-month. 

Monthly totals of fraudulent transactions are as follows : XXXX {$240.00} XXXX {$1100.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$3000.00} Total {$8200.00} I have itemized lists/spreadsheets of individual fraudulent charges that I can send upon request. Note that there were some valid transactions associated with XXXX ( XXXX  ) and XXXX XXXX  that occurred during this timeframe, and those transactions have been identified ( by cross-referencing charges against my XXXX accounts ) and are not included in the monthly totals listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: MI

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On XXXX reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX  A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my Transunion report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a XXXX XXXX for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On Equifax reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details AccounXXXX NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my XXXX report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a credit professional for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to follow up on the ongoing issue regarding the late opening of accounts. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our tenth round of complaints regarding this issue, it is imperative that immediate action is taken to address and correct the situation. The continued delay in opening accounts not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that accounts are opened in a timely manner moving forward. With this, I am asking for your assistance to correct these accounts in my credit file : 1. XXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 2. XXXX XXXX Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 3. XXXX XXXX Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 4. XXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 5. XXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 6. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 7. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: GA

Complaint narrative:
I have tried amicably to resolve matter with Credit reporting agency Experian in regards to false/inaccurate misleading information on my file. The following account XXXX XXXX XXXX VT # XXXX shows a XXXX balance closed written off sold to a company XXXX XXXX XXXX status change after filing dispute in the past, I contacted original source XXXX XXXX and ask for documentation displaying my signature showing I ever done business with them. They have not complied/responded. XXXX XXXX XXXXXXXX XXXX # XXXX same issue as well. XXXX XXXX # XXXX shows a balance of XXXX and does not show original credit limit for the amount owed/balance.The fair credit reporting acts requires that 100 % true and accurate information can only be reported on a credit file. XXXXXXXX XXXX # XXXX has reached the 7 year stature of limitation allowed to be reported on my file XX/XX/XXXX was the date of derogatory. I receive letter in the mail from Experian XX/XX/XXXX stating they did not believe the dispute was from me so they would not take action. However, I included my id and utility statement as well. I am outraged over how Experian has been handling my credit file. So i decided to get some outside help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
On XX/XX/2024 I was contacted by XXXX XXXX and ABC Fitness and made aware that if I did not pay my past due balance or take part in a forgiveness program I would be sent to collections, I called XXXX  and spoke on the phone with an employee who took payment of {$65.00} as part of a program to forgive my past due balance. I was told by making this payment and starting a new membership with XXXX, that my previous balance of around {$120.00} was forgiven and that after paying the annual membership fee to XXXX, I could cancel the new membership. On XX/XX/2024 XXXX debited my bank account for XXXX, this was for 1 month of membership, plus the annual fee. 

I have since canceled the membership and have now received an email from an entity claiming to be hired by XXXX to collect my forgiven debt. This entity goes by 2 names, which one is the legitimate one I'm not sure of but they introduce themselves as " XXXX XXXX XXXX '' but end the email as " XXXX XXXX ''. The former can not be located online, however XXXX XXXX has dozens of XXXX and XXXX reviews with multiple people reporting inappropriate contact that's been made by employees of " XXXX XXXX '', I have reason to believe this company is either acting fraudulently or is willfully collecting debts via ethically questionable means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
With both Bank of America and XXXX, when I deposit a large check, they take over a week to verify it, and move it into an interest yielding account. I did research to find this information. 

Most recently, the IRS sent me a tax return on XXXX, and Bank of America said they had to " verify '' the check and it would take over a week. Every other check I deposit is instant. 

This is an ongoing scandal with banks. I did a massive amount of research to figure all of this out. It is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Pay Account Number : XXXX Balance : XXXX Citizens Pay Account Number : XXXX Balance : XXXX The above XXXX accounts have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.

Citizens pay has violated each of these US Codes, put in place to protect my consumer rights.

Company response to consumer: Closed with explanation