vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: VA

Complaint narrative:
Account name : XXXX - Acct. # XXXX, Account name : XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: LA

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I've always had problems with this particular PLS location downtown XXXX. Through my relationship for years with them they have always given me bad attitude problems and bad customer service. Repeatedly they have malfunctioned my accounts and my debit cards with them. So the district manager that just started working here about the most recent incident, as I usually have complained in the past and they won't do nothing. When I called her cell phone or she called me she told me that she would fix the most recent issue. She told me to go back down there in person so that the issue can be fixed but I didn't show up because of personal crisis. When I did not show up she told that store do not deal with me anymore because this is what they told me when I finally came in person. I then text messaged and told her that they didn't want me in the store no more and they refused to cash my check. They also were talking about me like a dog. I also spoke to her on the phone she was mean and hung up in my face and started forwarding my phone call now she doesn't want to talk to me. I went back into the store on 3rd shift and it was a XXXX XXXX XXXX girl in her XXXX XXXXXXXX  working there by herself, she told me to give her my check and she put my check into the machine, then she told me I'm blocking your profile here and I just snuck and put Fraud on your check so get out and don't come back. I didn't believe her and went to XXXX to cash my check, and XXXX gave me a printout that shows that this girl placed fraud on my check. I contacted the fraud line and no one works there, it's just an automated machine so at this point I'm in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a collection account from XXXX XXXX for XXXX XXXX XXXX that is not owed. I contacted XXXX XXXX XXXX at ( XXXX ) XXXX regarding this account and XXXX XXXX XXXX advised me that there is no account found in my name nor social security #. I work at XXXX XXXX XXXX XXXX for over six years and have XXXX XXXX insurance coverage for my myself and my family. This medical debt should not be reported on my credit reports because it's not owed and President Biden signed a bill regarding medical debt being reported incorrectly.

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 2023-05-19 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: NC

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. 

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 XXXXXXXX, has violated my rights. 

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 2023-05-19 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: NC

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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: OH

Complaint narrative:
On XXXX at XXXX I received a call from a women who stated she worked for D2 Management and asked could she speak to XXXX XXXX . I responded by asking the lady who is she and what does her company do? She responded and said the company is a 3rd party who collects debt on behalf of their client and I stopped her and told her I am not sure who she is and to stop calling and she proceeded to ask if the last 4 of my social was XXXX  and I disconnected the call. Later that day I received an email from the same company saying they were trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I have been receiving multiples text and calls from ICS- Collection Service on XXXX, and XX/XX/23 I called ICS on XX/XX/23 6 times each time I called ICS Collection Service they hung up on me when I asked questions are the legal owner of alledge debt I was told to provide name and birthdate I told them they should already have information in front of me I spoke with XXXX on XX/XX/23 XXXXXXXX XXXX she states ICS Collection Service does not have ownership of alledge debt so she hung up in my face the first young lady I spoke I didnt get her name hung up as well they couldnt validate debt to me on the phone Im being harassed by ICS Collection Service daily when I call they want to hang up in my face . This is the second Collection Agency contacting me ( XXXX XXXX XXXXXXXX XXXX  with exact same alledge debt calling how can they both trying to collect on same alledge debt this has to be illegal. I recorded all calls I informed XXXX before conversation started

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: WI

Complaint narrative:
Please remove bankruptcys from my credit report. They should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I have no idea where this I.C. Systems debt come from and I tried to get them to delete it off my credit report and it wont delete.

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 2023-05-19 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: NY

Complaint narrative:
I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Instarem PTE Limited
State: WI

Complaint narrative:
I was contacted by a third party debt collection agency, XXXX XXXX XXXX, by mail on XXXX XXXX XXXX ( received XX/XX/2023 ) for debts associated with alleged accounts held with XXXX XXXX XXXX Instarem. 

I have disputed this debt as I do not hold any accounts with XXXX XXXX XXXX Instarem. I requested additional information from the creditor and received copies of the transaction details by mail on XX/XX/2023 ( dated XX/XX/2023 ). 

The account user for these transactions is using my maiden name ( XXXX XXXX XXXX ) and alleging that I have sent money to an individual using my father 's name ( XXXX XXXX ). The recipient accounts are associated with XXXX XXXX XXXX and XXXX XXXX XXXX. My father is a US citizen and does not reside in XXXX, nor does he hold any bank accounts there. 

I contacted the Instarem customer support email and included a detailed description of the transactions and requested they halt account activity. I received a response that the customer support email account is no longer monitored and that I need to log-in to an Instarem account to submit a query.

I am not able to log-in to an Instarem account as I do not hold any accounts with this company. 

The Instarem website has a customer support chat bot, but no other means to elicit help unless you log-in ( no phone number or additional contact information ). Again, I am not able to log-in as I do not hold any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted disputes the Experian, XXXX and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : 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 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 2023-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
To Whom It May Concern : Good afternoon. There are 2 accounts, Bank of America and XXXX, that are listed on my credit report that I have never done business with and are fraud. Furthermore, when XXXX XXXX lowered my limits it made me look into my credit report to find these 2 accounts and other inaccuracies within my report. My company, XXXX, alerted me my personal info was compromised which included my SSN, DOB, ADDRESS, W2/TAX INFO, RELATIVES, etc. This is extremely concerning as my payment history and credit score is very important to 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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MN

Complaint narrative:
Debt was paid in 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-19 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: WI

Complaint narrative:
Hi, Experian is still reporting fraud on my report & I AM A VICTIM OF ID. THEFT, NOT ALLEGEDLY! & I appreciate Experian 's support in helping with this serious matter! Experian is violating the law & my rights, by still reporting fraud accounts : XXXX acct. {$2200.00} XXXX XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} These companies are not following the law & not providing true proof of validations, No wet signature, their records only prove a hacker used all my personal info. to open & maintain these accounts. I'm sick of this disaster & causing me & my family stress. I asked them to immediately remove these fraud accounts. XXXX XXXX XXXX XXXX are following the law & already removed these fraud accts. & I can prove this. By law all reporting agencies must report the same, complete & accurate information & Experian is breaking the law. Thank You ( also Im including pics of Dark Web surveillance of hackers open fraud accounts or attempting ) & Pics of the removal of the LandMark accounts aren't on 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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a settlement check, upon the deposit I understood that verification of funds needed to be done before funds cleared. As of XX/XX/23 funds are not available, I called to verify and found my account to be closed and check still on hold stating to be fictitious. I have been a customer for more than 4 years and feel this is unjust, discriminating, and uncomfortable being the consumer. The same issue happened to my wife and we even contacted the issuing bank and they've provided proof of funds clearing their account as XX/XX/23 the bank has resolved her account as of yesterday and now I'm experiencing the same negative profiling. Truist bank XXXX department and XXXX XXXX the banker who made the deposit are combative and unapologetic

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed form my report asap!

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 2023-05-19 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief