vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my ID and SSC card to validate and verify my identity. 

I am writing to submit a formal complaint against XXXX, XXXX, and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following account : Account : XXXX I have submitted dispute letters to all three credit reporting agencies, detailing the inaccuracies and requesting correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, XXXX, and Equifax comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX, XXXX, and Equifax, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I have been disputing this account since XX/XX/2023. I never opened this account and it is under and social security number but not my name. I have written the company and sent certified letters to the company since XX/XX/2023 with no results. I have requested a copy of the papers or loan agreement with my name on it but no respond. I have disputed online with XXXX and XXXX and no results. It did get removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I

n 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. has violated my rights. Or a list of inquiries : 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with Apple Card Gold Sachs, a financial institution, concerning a balance adjustment fee refund request of {$130.00}. 

It was charged on XX/XX/2023 and I initially requested this refund on XX/XX/XXXX. Despite multiple calls to the company, I have not received the credited amount back into my account. Each time I contact their customer service, I am assured that the refund has been processed and credited, yet there has been no evidence of this in my account statements. 

Furthermore, the customer service representatives consistently state that they are unable to provide specific information about the department handling my case. Instead, they assure me that the matter will be forwarded to the appropriate department for resolution. Unfortunately, this process has yielded no results, and the refund remains unresolved. 

I have diligently followed up on my case by making monthly calls, filing multiple ticket numbers, and providing all necessary information. Despite my efforts, there has been no progress, and the situation persists. Moreover, they baselessly assert that my bank is causing delays, a claim debunked by my bank after numerous calls. 

This prolonged delay and lack of resolution are causing significant frustration and inconvenience. I believe that my rights as a consumer are being violated, and I am seeking your intervention to ensure a fair and timely resolution to this matter. 
Please find the details of the case below : * Refund Amount : {$130.00} * Request Date : XX/XX/XXXX * Multiple follow-up calls made * Assurances from customer service representatives without actual resolution * Monthly calls made for status updates * Multiple ticket numbers filed I kindly request that you investigate this matter promptly and take appropriate action to ensure the refund is processed and credited to my account as soon as possible. Your intervention is crucial in rectifying this issue and ensuring that consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a swift resolution with your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Last year in XXXX I noticed some irregular charges that looked like my life insurance policy but were not. Upon further investigation we were able to identify that someone was siphoning money from my checking account using a XXXX. We were not able to recover more than two months of charges and the case has hit a road block. We were able to track the number back to a company that provides credit processing and it kind of ended there. 

In XXXX of XXXX began getting calls from XXXX  XXXX. They stated I owed money on account related to properties. I denied these charges and told them these were not my accounts and I had no knowledge of them. 

On XX/XX/XXXX, my XXXX XXXX XXXX began sending me alarms that there were major effects on my credit score. I was in XXXX at the time so I was not able to do much. On XX/XX/XXXX, I was able to start freezing my accounts and reporting the fraud to the credit bureaus, the two power companies and XXXX  XXXX. 

I was able to speak with a rep at reliant energy and was able to find out that 14 utility accounts were started with my personal information. XXXX of those accounts have already been sent to collections. I was able to contact XXXX XXXX  and they identified XXXX accounts in collections. Both of these power companies only service TX. I have been able to identify three property addresses where my information was used fraudulently. This information was sent to the police department and will be attached to the police report. 

Today I was called again by XXXX XXXX to report another account that was sent to collections. This one was from XXXX XXXX  for over $ XXXX. 

This makes a total of 4 accounts with XXXX XXXX  and XXXX accounts with XXXX XXXX. All of which will end up in collections effecting my credit score. My score in the last 2 weeks has dropped over XXXX points and getting worse as more collections are sent in. 

Last week we received a letter from XXXX XXXX our mortgage company that they identified a data leak in XXXX of last year. They letter takes no responsibilty and offers no help outside of contacting the credit companies. This is effecting my credit score, has potentially stolen thousands of dollars from my personal bank accounts and has racked up over XXXX hours of working time on this since XX/XX/XXXX. 

I am not sure what to do here but I am wondering if we have any legal right to sue XXXX XXXX for their inability to protect my information and the damages it has caused, further the complete lack of support from and issue they knew about back in XXXX of XXXX. 

Today I got the police report back and will be sending copies to the credit monitors, the XXXX power companies and XXXX XXXX 

My credit is frozen right now and I have to follow up with the credit monitors once I have sent the doc to their XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I did not authorize these companies to run my credit, its fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have filed multiple complaints alleging multiple problems with Truist Bank ( formal SunTrust ) regarding : 1. {$700.00} unpaid promotional bonus ; 2. {$25000.00} unpaid Small Business PPP forgiveness loan ; 3. Unpaid several claims {$130.00} ; {$23.00} ; {$120.00} etc ; 4. Severe Violation of my Privacy {$25000.00} ; 5.Health damages $ XXXX for 4 years etc. On or about XX/XX/XXXX a Truist Client Resolution Specialist emailed me a complaint # XXXX regarding the above alleged problems. I have sent multiple responses to Truist Client Resolution Team member XXXX XXXX, branch member XXXX XXXX and branch team XXXX XXXX XXXX regarding immediate resolution and all related financial losses for 4 years including dropping alleged proof on XX/XX/XXXX to the XXXX XXXX branch window teller. According to the proof, I completed a promotional requirement for business checking to offer a {$200.00} bonus ( code : XXXX ) by depositing {$1500.00} accumulated within 30 days after account opening. As far as personal checking account {$500.00} bonus ( code : XXXX ) it was related to unfair employment practice by the federal government ( see court lawsuits ). I did present the promotion code and copies to the banker at the time of the new accounts opening on XX/XX/XXXX as terms and conditions. I pushed this matter from the end of XXXX XXXX XXXX otherwise I wouldn't open these two accounts in XXXX. On XX/XX/XXXX I also submitted a PayCheck Protection forgiveness application via Truist Business Online Portal before the due date XXXX XXXX XXXX  to claim {$25000.00} small business assistance. I sent both copies to XXXX XXXX branch on XXXX XXXX XXXX Further, according to the XXXX debit card agreement, consumers have 60 days to file a claim concerning multiple issues such as : defective product {$130.00} ; unacceptable services {$23.00} ; Overcharged bill {$120.00} etc. I have filed claims within 60 days and completed requested forms in a timely manner ; Damage customer credit in XX/XX/XXXX for reporting fraudulent information {$10000.00} plus fees to three credit bureaus as retaliation; Finally, Truist bank severely violated my privacy such as : failure to provide authentication code for login, failure to block unauthorized phone access ; banking related notary ; intentional vandalism and confuse issues ; treat customer in a hostile way by referring me from branch to XXXX XXXX XXXX XXXX ; XXXX XXXX  etc. From the end of XXXX XXXX XXXX this bank never assists me to achieve financial gain per my asking. Each issue has been denied and closed by Truist. I certify the subject statement is true and correct and based on my best personal acknowledgement.Please ask for evidence from XXXX XXXX XXXX submitted on 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Today, I went to my mailbox with a credit card in my name with a {$700.00} credit limit. I immediately called the company and told them I did not request or apply for this card. I asked them to close the account immediately. While I was on the phone, I checked and saw that they made an unauthorized credit inquiry. I asked them to undo it. They were unhelpful and let me know that they would send me a letter in 60 days letting me know how to contest this. That is all they would do. I do now know how they have gotten my information, but this is a scam. There was not even a customer service number or website address with the credit card I received. I do not want this credit card. I did not authorize it and I want them to close everything about me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Dear Exeter Finance I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation