vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I informed XXXX Collection Services and dispute this on my XXXX credit report that this account is not mine. The account was opened by my son without my knowledge. I never opened an account with XXXX XXXX nor did I own a car so there was, no need for me to have car insurance. I had no knowledge of this account until it appeared on my credit report. XXXX Collection Services said that the information was accurate when it definitely is not!! I never have opened an account with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PRA is claiming to have validated a debt when they did not. THey did not produce 1. Offer proof of the debt, such as real accounting.

2. A signed invoice serving as proof of their claim against you.

3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.

There has not been a proper invesitagation either. ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. 

No one was interviewed and this account was not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CBC Companies, Inc.
State: TN

Complaint narrative:
Unauthorized Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Unauthorized inquiries

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2021, XXXX XXXX made a hard inquiry on my transunion credit report. This was not authorized by me.

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 2022-08-17 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: IL

Complaint narrative:
My identity was stolen a little while back and Im trying to buy a home and Im noticing all of these different charges that Ive never made and Im trying to get that removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: DE

Complaint narrative:
I have a power bill of {$650.00} from XXXX XXXX. I moved out of my apartment XX/XX/XXXX. I was contacted by XXXX XXXX in XX/XX/XXXX stating that I was still getting billed to the address for the 6 months I was not living in the residence. XXXX shut the power down in XX/XX/XXXX. I recieved my bill in the mail charging me for the 6 months not in the residence and when I called XXXX I was told to send them a move out form stating my move out date. I did so and nothing was done. The company put my account into collectiions. I still have the form for my move out date which was XX/XX/XXXX and was billed until XX/XX/XXXX. I would like these charges removed from collections. It is preventing me from getting a house and power. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus XXXX, XXXX and Experian in XXXX. After their investigation these items were removed from their reports. The creditors XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.

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 2022-08-17 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/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 XXXX 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 2022-08-17 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: GA

Complaint narrative:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

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 2022-08-17 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: GA

Complaint narrative:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I asked Experian to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from Experian states by law they are allowed to gather information without my consent. I am demanding this to be removed.

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 2022-08-17 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: TX

Complaint narrative:
I have called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called Transunion XXXX and told them my situation. I have filed 2 complaints with Transunion and both times I was told this credit card was mine. Transunion told me they have sent my info over to XXXX XXXX XXXX bank and that it matches my personal information, but when I called XXXX XXXX they tell me a different story. I want to clear this because I know I did not open this XXXX  XXXX  and it has really impacted my credit score. I also took extra steps by freezing my credit.

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 2022-08-17 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC credit equifax profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Equifax Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX Name XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ 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 2022-08-17 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Following an XXXX notice of 1.9 % APY savings account from CIT Bank, on XXXX XX/XX/2022, i attempted online to open an account. At that time, i authorized my checking account transfer of {$100.00} to CIT. I understood that i would receive " micro-deposits '' to verify the account on or before XXXX XX/XX/2022. Daily, I tried to check to see if the account opened, '' micro-deposits '' occurred. There was no activity from CIT Bank. I could not access my account online! The transfer did not happen. Each day, I called customer service to see when the account would open. They told me by Wednesday. On Thursday, XXXX XX/XX/2022 - after countless hours on the telephone waiting for customer service, i called to cancel the account. The representative told me she did cancel the account and hung up before confirming my requested transaction number. 

The entire experience was disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NC

Complaint narrative:
I am going over my credit report and i have tried to deal with this through eqiufax multiple times over the past year. Sending multiple letters and making mulitple phone calls. I never applied or gave anyone my authorization to run my credit profile. The following inquires were not made by me and was identity theft. XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was sent a notice from XXXX XXXX XXXX a collection agency. They claimed that Capital One Bank ( XXXX ) XXXX XXXX had turned over my debt to them in the amount of XXXX. The credit card was opened XX/XX/XXXX and was delivered to a XXXX XXXX XXXX XXXX, Oregon and all purchases that were made were in XXXX. XXXX is about 2.5 hours away from where I live. The account was opened with my name and social security number but a different phone number and email address. The card was closed by Capital One in XX/XX/XXXX after 4 statements were sent and no payments were made on the account. The collection agency is doing an inquiry into the debt said they would notify me by mail in 7-10 business days. The credit bureau is not showing I owe any money to either of these companies but does show inquiries from both XXXX and Capital One and shows no current collections in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
per consumer report number XXXX the negative reporting items and all inquires were meant to be removed by Equifax confirmation numbers XXXX and XXXX. 
these items are still being falsely reported and I demand removal.

Company response to consumer: Closed with explanation