vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: AR

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: MD

Complaint narrative:
Credit Karma stays behind in reflection of extra payments that pay down the balance. There is no change and they stay behind not reflecting major payments made, but CK quickly drops my score on credit report when the balances rises slightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$7100.00}. Bank of America placed a hold on these funds. Aware of this, I proceeded to make payments of {$2500.00} to my XXXX XXXX card and approximately {$1500.00} to my XXXX XXXX card. Despite having been a long-standing customer, I later discovered that Bank of America froze these funds until XX/XX/XXXX without explanation. The core issue is not that the funds were returned, but rather that over {$4000.00} is now unaccounted for, as the funds are missing from both accounts. This appears to be a result of Bank of America 's failure to properly manage my money.

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 2024-12-14 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: 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.

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 2024-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX, XXXX, XXXX, Equifax Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the XXXX and Equifax credit file of XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account needs to deleted and permanently removed from the XXXX and Equifax credit file of XXXX XXXX, Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow up to complaint number XXXXInitially I stated that the XXXX was due back, however after further review there is more due to us then the XXXX. 

The bank approved release of the funds of which XXXX was used. However, the denying of the XXXX was included in the total check denial of the XXXX. The bank then took the money from another account to cover the overdraft. 

Since the bank initially approved the check but then later denied it resulting in an overdraft of the XXXX the entire XXXX is due back to us not just the 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 2024-12-14 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: TN

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 : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 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 2024-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Equifax IncXXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, Equifax, and XXXX credit file of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Experian Information Solutions , Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, XXXX, and Experian credit file of XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Management Company, XXXX, XXXX, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Credit Management Company is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text.

1. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Consumer Adjustment Company , Inc., XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX  and Privacy Laws. Consumer Adjustment Company , Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX, XXXX, and XXXX credit file of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
I tried to access my Equifax credit report. It showed an XXXX date for the last update. it did not show any current information. i called to complain but that didnt help. the representative asked me to send in my license front and back of the card. my Social with an utilitiy bill. Equifax still didnt unlock my credit bureaus Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Experian Information Solutions , Inc. any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and XXXX XXXXnd Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and Experian credit file of XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Experian Information Solutions , Inc. any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and Experian credit file of XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-14 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-12-14 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, Transunion, LLC, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account needs to deleted and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, Consumer.

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 2024-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
A dispute was added to my credit report and they have not removed the dispute. I have requested them to remove several times but because the provider has changed several times the request to remove the dispute has been overlooked.

Company response to consumer: Closed with explanation