vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX i send an email to XXXX, and on XX/XX/XXXX, i send an mail to both XXXX and XXXX, that they information that they are publish is incorrect and its damaging my credit history that i will like for them to investigate to information, i told them that i will like them to investigate the information regarding Discover Bank Account XXXX, this banks states that i owe them money on a default credit card that is the reason why they send it to charge off, i ask the three business bureau to ask the discover bank to provide me any documents that they had, that states the account belong to me, such as a contact with my physical signature etc. Unfortunately they were unable to provide me this documentation, on XX/XX/2022 i received a correspondent, that states for further investigation i should fill out the form with my signature. which i believed that the bank is trying to use the form to obtain my signature. 15 U.S.C 681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written instruction I have attach he letter I mail to them also, the letter I had received back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR XXXX MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH XXXX  FOR A YEA R

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 2022-10-23 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: NV

Complaint narrative:
NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH COVID FOR A YEA R

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 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NV

Complaint narrative:
E Trade locked my account because they flagged it as " suspicious ''. I called them XXXX time over the course of XXXX months. Every time I provided all documents they requested. Every time they promised the issue will be fixed. I heard nothing from them all three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # 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. 
It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX 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. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX 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. 
Sincerely 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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2022 I believe an individual spoofed my Truist bank account and withdrew {$1100.00} to pay for something I did not authorize at XXXX The money is pending withdrawal from my Truist account under the name XXXX XXXX to XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX. The email usedd was XXXX This person apparently used XXXX to put the XXXX into his XXXX. 
I immediately called Truist and asked them to deny this charge. It is pending. The same person also took {$250.00} from my Truist credit card

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 2022-10-23 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: IN

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-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXX-account number XXXX XXXX XXXX XXXX number XXXX 15 U.S.C 1681 section 602 A. States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2022-10-23 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: IN

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-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX number XXXX 15 U.S.C 1681 section 602 A. States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2022-10-23 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: OH

Complaint narrative:
( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XX/XX/XXXX-TransUnion 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 XX/XX/XXXX-TransUnion XXXX XXXX XX/XX/XXXX-TransUnion 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 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 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 handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.

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 2022-10-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I need help to solve this problem that affects me with CHASE itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I need help to solve this problem that affects me with CHASE BANK itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with CHASE BANK I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. 

XXXX NUMBER : # XXXX ACCOUNT NUMBER : # XXXX ACCOUNT NUMBER : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-23 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 CREDIT COLLECTION SERVICES added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT COLLECTION SERVICES violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: OH

Complaint narrative:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: OH

Complaint narrative:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 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 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-23 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: MD

Complaint narrative:
Equifax continues to have a fraudulent business account from Jpm chase bank on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.

Company response to consumer: Closed with explanation