vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax has continued to report fraudulent inquiries that I did not authorize or give consent for. I am a victim of identity theft and these fraudulent inquiries need to be removed immediately. I have already submitted an identity theft affidavit to support my claim. XXXX XXXX XXXX, XXXX XXXX, need to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
XXXX XXXX with Mountain America Credit Union in XXXX, Idaho led me to believe I was going from 14 % interest to 12 % interest with the refinance of my car. Ive recently discovered after my first payment that I was originally at 4 % which he did not disclose at the time. He turned his computer towards me with every document I had to sign and said this is all this is saying, go ahead and sign the computer pad. When I found out the bank said too much time has passed and I did sign the documents, so theres nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights.

This account is not my account and he listed on the Police department as fraud account.

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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I obtained a new Bank of America Mastercard through Allegiant Airlines. I called the number on the sticker and cleared my number with the credit card company when I received it. Then I tried to purchase Allegiant Airline tickets and I was blocked. I called to have the block lifted, tried to make the same purchase, and was blocked several times more, called again, and finally was able to make the purchase. Then tried to make other purchases, but my transactions were again blocked. I checked my online account to see if any strange transactions had been made but was blocked. I called again and was kept on the phone for another 10-15 minutes. Finally I said this isn't worth it, I want to cancel the account. One of the operators I spoke with referred me to a " financial center, '' to which I physically have to report with " two forms of ID. '' The nearest bank of america is across town and I've already spent too much time trying to clear holds to make simple purchases. I don't have time for all this. I should be able to just cancel the account. I've spent so much time on the phone with these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I applied for a XXXX XXXX card, run through Comenity Bank, and was approved. I never received the credit card as it shipped to a location I could not receive it at. I called several times when I received an email about a payment being due from an online purchase made by one of their sales associates ( as I did not have a credit card I could use to make the purchase ). I tried to get the card sent to a different address. I offered to verify my identity using my SSN, or any other PII they had on me. They refused to verify my identity, or send the credit card. Without verification, or an actual credit card, I could not access my account, view my bill, or even get my account number. I also was unable to make any purchases. I told them I would not pay a bill that I was not allowed to review, or for a card I was not able to use. I then closed the account. They have now been harassing me non-stop for months on end. It is my understanding, following some light research after this incident, that they are only supposed to call up to 7 times a week. On average, I get around 5-7 phone calls every single day, sometimes more. This is harassment and totally unacceptable. They also block their caller ID, which it seems they are allowed to do, but is still very deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  AND TRANS UNION...REFUSE TO EXCEPT MY DISPUTES. XXXX  REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number XXXXXXXX
Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX XXXX
Account number
XXXXXXXX  ACCOUNT NAME
XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
On XX/XX/XXXX, there was money deducted from my bank account by Current, an online bank/crypto company. A fraudulent account was set up in my name and they had all my personal information. I took care of the issue with my personal bank, however when trying to work with Current to cancel the fake account they were no help. They would not allow me to do anything without an account #, which I did not have as I did not set up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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 these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, XXXX, and TransUnion These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose Thanks in advance for your he

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act these creditors XXXX  Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX Amount {$1000.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX Amount {$240.00} XXXX, XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX, Account number XXXX XXXX, Amount {$240.00} XXXX XXXX XXXX Date reported XX/XX/XXXX, Date assigned XX/XX/XXXX Account number XXXX XXXX, Amount {$1000.00} These accounts are reporting on XXXX, Experian, and XXXX These creditors have violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604A section 2 also states that the consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose Thanks in advance for your he

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