vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
see attachments

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: IL

Complaint narrative:
On XXXX XX/XX/year>, I filed a XXXX dispute relating to inaccuracies being reported on the LJ Ross Associates Account. While this account was in dispute, XXXX XXXX failed to mark the debt as disputed on my credit report, as required, underXX/XX/XXXXof the Fair Debt Collection Practices Act ( FDCPA ). XXXX also failed to ensure the account was annotated properly. Subsequently, on XXXX XX/XX/year>, XXXX completed the investigation and reported that XXXX XXXX verified that the account information was being reporting accurately and no corrections were made. Based on the account information that I have from the original creditor, as well as, my own bank statements, this account tradeline remains incorrect. Further, it confirms that the disputed information on this account is not being properly investigated. 

When I contacted XXXX to inquire into what information was provided by XXXX XXXX to verify the accuracy of the account in response to the XXXX XX/XX/year> dispute, I was told that my Name and Social Security Number was verified. This did not make sense, considering that my name and XXXX were not the items in dispute. Therefore, I requested further information as to what was provided by XXXX XXXX to support the information that is being reported and which was verified as accurate. Neither of the XXXX XXXX representatives that I spoke with could provide any explanation, although, XXXX of the XXXX continued to maintain that my Name and social security number were used to verify the information. 

On XXXX XX/XX/year>, I submitted CFPB complaint # XXXX requesting and investigation into the verification method that XXXX used XXXX ensure the accuracy of the XXXX XXXX account XXXX In response to this complaint, on XXXX XX/XX/year>, XXXX informed me that another dispute investigation has been opened into the errors on the XXXX XXXX account, which is still pending as of today. However, I have accessed my XXXX credit report several times since XXXX XXXX, to include today, and notice that ONCE AGAIN, the XXXX XXXX is not marked as dispute in accordance with the Fair Debt Collection Practices Act ( FDCPA ), section XX/XX/XXXX of the Fair Debt Collection Practices Act ( FDCPA ). 

This blatant, continued practice of ignoring laws that clearly state what information furnishers, debt XXXX and credit reporting agencies are required to do once an account has been dispute, egregiously violates of my consumer rights. 

Credit report, dated XXXX XX/XX/year>, is attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX 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. XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-05-14 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX.XX/XX/XXXXXXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
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 non-monetary relief
Consumer complaint received 2024-05-14 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: AR

Complaint narrative:
I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXXXX/XX/XXXX According to the FCRA, credit bureaus are required to respond to disputes withinXX/XX/XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-14 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been received multiples calls and even my husband received this phone calls asking to speak to me. When I return the phone call because they left a voicemail in regards of a civil complaint. They state of the phone call been recorded and made me confirmed my name, my last 4 digits of my social. And my address.They said I owe {$3000.00} from capital one. I responded saying that I dont have an account with that company for a very long time. They responded by saying that it was an account from 2006. That I need to pay it back or if anything we could have settle down by paying {$1000.00} or else I will be disputing this charges in court. When checking my credit I dont have any account capital one or owe that company no money. I even check with an operator to check my credit just make sure I dont owe anything and they confirmed there is no account under my information. This the number that I was told to call back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/year>, I reached out to all 3 credit bureau to notify them that i noticed some addresses on my credit report that did not belong to me. I was able to get one address removed from my credit report, but was unable to do so because of the multiple addresses and accounts thats in collections reporting to those accounts that did not belong to me. 

Im unable to finance for loans to do XXXX to XXXX XXXX because I have inaccurate & discrepancy on my credit report with all 3 credit bureaus. 

I reached out to all collections agencies that were reporting the inaccurate information to my credit report and requested to get all debt that was linked to the address that didnt belong to me removed and both the collections agencies & credit bureau refused to move those accounts or fix the information reporting on my credit report. 

I XXXX XXXX didn't give written permission to have those accounts furnished on my credit report. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This is regarding BMO Bank I logged into my BMO accounts to find most all funds removed. Further review showed Unauthorized Fraudulent ACH Epayment to XXXX. I reported this within hours of finding this issue, however it was 10 days after the XXXX XXXX was made. Bank is citing RegE XXXX hour notice. However, I believe the bank had a data breach that lead to this Fraud and they are not providing information to research. It has been XXXX weeks and I still don't have information regarding the research the bank performed to make this decision. This is a XXXX figure loss and the bank is not being cooperative of wanting to find out what actually occurred.

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 monetary relief
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update 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 2024-05-14 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: WA

Complaint narrative:
When applying for a loan with XXXX XXXX XXXX on XX/XX/XXXX, I was informed of a delinquent balance in the amount of {$270.00} in XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX confirmed there was no outstanding balance owed and no history of delinquency at any residence within the last several years. This delinquency according XXXX is negatively impacting my credit score. XXXX utilizes Equifax to pull credit for prospective borrowers, therefore XXXX explained it was Equifax who had provided them with this information, which we were not able to get a copy of per their contract with Equifax. Upon speaking with Equifax there is no such delinquency, and my credit score was XXXX not the XXXX score XXXX is reporting from Equifax. To ensure the accuracy of XXXX 's information, I pulled a credit report from all three credit bureaus which confirmed no such delinquency. When speaking to Equifax, they blamed XXXX for the discrepancy. When talking with XXXX, they said I need to work with Equifax to get it resolved. Essentially these XXXX companies are pointing fingers at each other and there will be no resolution without the help of a XXXX  party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I owe no debt ( XXXX ). 

My name is XXXX XXXX XXXX My name is NOT any of the following nor do I have any A.K.A. names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Any other address is NOT associated with me, XXXX XXXX XXXX. 

I, XXXX XXXX XXXX, has never lived/resided at any of the following NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, are all are INACCURATE, INCOMPLETE, UNFAIR, and has violated my federally protected consumer rights. 

XXXX XXXX XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX XX/XX/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. 

This company is violating my federally protected consumer rights to privacy pursuant to XXXX U.S.C XX/XX/XXXXwhich states, in accordance with the written instructions of the consumer to whom it relates ; this company also has NO permission to report ANYTHING using my information pursuant to XXXX U.S.C XXXX XXXX which states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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 non-monetary relief
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union . I even filed the police report, which I already attached to this report. Are three hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXXXXXX XXXX XXXX  which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX community credit Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are three hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/year> on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these two accounts have not been removed yet.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union XXXX I even filed the police report, which I already attached to this report. Are three hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXX XXXXXXXX XXXX, which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX community credit Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are three hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/year> on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these two accounts have not been removed yet.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
An improper investigation was conducted by your agency. Experian failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 2024-05-14 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have an account with CitiBank and they blocked me from having access to my account and refused to tell me why. I asked could I go inside a branch so that I could verify who I am and they told me no. They refuse to unblock my account which means I am not able to pay my bills. I have called several times and no one seems to be willing to help me. I have asked to speak with a manager and still no help. Its been over a month and I still dont have access to my funds thats in 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 explanation