vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is in reference to case number XXXX. Truist has completely failed me and I am at a complete loss with this Bank. I was the victim of identity theft and had a loan taken out fraudulently in my name. I have submitted all documentation to them including an FTC Identity theft report, police report, ID verification and today I receive a document stating that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist investigated this matter at all. No investigation report was provided to me at all. When I asked I was simply told that the Loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name. 
I have been a client of Truist/BB & T for 20 years and they are basically calling me a criminal and a liar the first time I have ever had any issues with their bank. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to pursue legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquires from their credit report, rather than treat them like the criminal.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I WASN'T A CUSTOMER OF THE FINANCIAL INSTITUTION BUT SOME HOW ANOTHER BANK INSTITUTION TOOK OVER AND I STARTED GETTING INTO PROBLEMS THAT WASN'T ONLY MINE PROBLEMS. I AM A SENIOR CITIZEN AND ALSO A XXXX PERSON DUE THAT I AM XXXX XXXX XXXX XXXX XXXX  AND I MY ONLY WAYS OF CONTACTING IS THROUGH EMAILS, TEXTING AND WRITTEN MESSAGES, DUES TO THAT FACT, THE THIRD FINANCIAL INSTITUTION THAT SUPPOSEDLY TOOK OVER HAVE BEEN SERVICING THE CUSTOMERS ACCOUNTS AS JUST A FRONT OF THE REALLY AND REAL FINANCIAL INSTITUTION, THAT HAVE CREATED A HUGE PROBLEMS IN SIGNING DIRECT TO BANK, HAVE CREATED A DISCRIMINATION AGAINST THE TARGETED SENIORS CITIZENS AND PEOPLES WITH XXXX. MY ACCOUNT HAVE BEEN CONTINUES BLOCKED MONTHS BY MONTH AND IT HAVE BEEN VERY MUCH A PROBLEMS TO PAY {$24.00} DOLLARS AND MORES THAN THREE TIMES IN THE SAME WEEK TO GO IN PERSON TO THE BANK. THERE ARE AT LOTS OF CONSTITUTIONAL HUMANS RIGHTS VIOLATION AGAINST THE SENIORS CITIZENS AND THE DISABLES AMERICANS PEOPLES. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Systems, Inc.
State: WY

Complaint narrative:
Requested written verification regarding XXXX collection accounts with the same agency in XXXX of XXXX No validation of accounts was received even after written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot Credit Services sent me a letter dated XX/XX/XXXX notifying me of new cards being sent to my business. The cards never arrived. They have since told me they mailed the cards to an address that I removed from my account over 9 years ago in XXXX. An address that was my mailing address only for approximately 5 months. They are now trying to say that the wrong address is the physical location of my business and it is NOT. That was never the physical location of my business. I asked them for something in writing showing who changed my physical business location to that address and when. They refuse to do that. They can not answer why the last time they issued a new card that it was sent to my current and correct address in XXXX of XXXX. 
I simply want a copy of the written request on my company letterhead that they have told me it takes for them to change the physical location of my business. I never changed the physical location of my business to that address in Maryland. I want a copy of the written request on my company letterhead that made them change my physical location to that address because I never sent them such a written request.

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 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
In late XXXX of 2022 XXXX XXXX reached out a debt owed and I responded about wanting to coordinate getting debt settled. Never heard back from XXXX; attempted to access company portal to pay, but did not have access. Months later now see on credit report that in early XXXX ( not even 3 weeks after contact ) XXXX transferred to debt collector XXXX XXXX. Never received any form of documentation, email, call, etc. about this transfer occurring or debt going to collections. Have since never heard anything from either group about collecting this debt. 
Have text messages and can show that no emails were received from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is a derogatory mark for the SYNCB/VENMO  account for the only XXXX on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

XXXX  report display an inconsistency with report. I would like to have this updated.

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 2023-06-24 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:
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 explanation
Consumer complaint received 2023-06-24 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: CA

Complaint narrative:
There is a derogatory mark for the XXXX/XXXX  account for the only Experian on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

Experian report display an inconsistency with report. I would like to have this updated.

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 2023-06-24 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX I disputed XXXX XXXX XXXX and it came back as verified. I would like to know how this information was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: ERC
State: TX

Complaint narrative:
I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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 2023-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.

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 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Once again, federal law requires written notification of a debt BEFORE you play something on somebodys credit. Responding to the complaint I have made because you broke the law do not count. I am filed a complaint with the Utah state bar against your attorney. If you dont believe me his bar number is XXXX 
This is your last chance to remove this from my credit before I sue you. And I intend to make it a class action lawsuit. 
1. You have admitted in writing that you didnt notify me prior to putting it on my credit, that parking is illegal.

2. After having multiple letters returned according to the resident of that address and me telling you that was not my address, you violated, third-party disclosure by sending yet another letter with your name, clearly visible.

3. And last, but not least, you have continued to break the law I will not stop until I put you out of business.

4. I have forwarded a copy of this complaint and all of their responses directly to their client. 


REMOVE THHHISS FROM MY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
On XX/XX/XXXXa collections account for XXXX XXXX showed up on my credit and I have been there but my insurance covered the work I had done XXXX XXXX XXXX XXXX  and they did XXXXXXXX XXXX but they were already paid for by my ex I was there when she paid for them so I know it was paid for then they started calling telling me I owed XXXX dollars and I told them it must be another patient with the same name cause my account is current there is not balance to pay. they had kept calling I told them to stop then it showed up on my credit dropping my score XXXX that day. I just bought my XXXX car in XX/XX/XXXX.I had a good score I never used credit before so I had none now not only is it showing on my report but they keep adding XXXX or XXXX $ a week to the balance which is now at XXXX dollars they say I owe I have asked for documentation proving it is in fact my debt and was denied I have disputed it on my credit report and got denied. Even if it was mine XXXX XXXXXXXX XXXX  do not cost even close to XXXX dollars and with the new bill I seen that removes medical debt from ur credit report if it's under XXXX this shouldn't have been put on my credit especially cause I never paid the collection company a dime nor did I agree to and then from what I understand the debt was sold and that's when it showed up and then started going up every week. I don't know what to do I don't want to contact them directly as i understand it could just hurt me more in the end and this balance is continuing to go up and this was over 5 years ago as it is that I had the work done which is what leads me to believe it's not my debt just someone either using my name because my sister sold my social security number and I tried to file a report on her for it but the police department wouldn't take it and I was young when I found out and have had to fight a number of things the person she sold it to has used my name for, like a phone bill and other utilities I never turned on and had to fight over a year on each of them to have removed from my name. I am more then willing to press charges on my sister for selling my identity though I just don't know who to call to do so and this might be another one of those things that happened because of her. She knew I had been to XXXX XXXX to have my teeth pulled though and the office that this bill was made at, I've never been to so its not mine I will not pay it I shouldn't have to. I need help solving this problem so it doesn't keep harming my credit. it's now kept me from getting back into school and refinancing my car loan and now getting approved for an apartment. I'm about to be homeless because of this causing my credit to drop so drastically.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was informed by Chase that an XXXX card had been opened under my name in XXXX of XX/XX/22. I contacted the bank the day I found this out. They blocked the account from charges and then opened an investigation. My first issue was that upon signing into my account ( I had a Chase Freedom card I also monitored ), I noticed that one day that the card was randomly reopened with the same balance. No notification and the card was actually reaccessible to use just as before. The bank did eventually notify me that they believed this was just a card that I opened. I explained to them that someone had utilized my social security number that day to attempt to also open a XXXX card but luckily I had put a freeze on my credit in time to stop that account from being opened. They again did the same exact thing ( Chase ). Blocked the account, opened another investigation. Until today, the account had not reappeared on my online banking statement. However, today, once again it is there with the balance of XXXX. If the bank had cared to contact me to request more information it wouldn't have been difficult to show my XXXX account in the timeframe without a charge for that amount. Upon further reviewing of old documents, it also appears that although the bank initially closed the account for safety, they took it upon themselves to reopen it by simply giving it a new number. This is apparently an XXXX XXXX. I have attached my complete purchase order history for XXXX to show I never made this purchase.

Company response to consumer: Closed with non-monetary relief