vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-22 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: CA

Complaint narrative:
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 explanation
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I am filing this complaint to bring to your attention that Experian continues to unlawfully report fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information. I have attached a copy of an FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud, and an official police 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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
On XX/XX/XXXX I follow disputes with all three credit bearers XXXX Trans Union XXXX came back verify when requested a letter for prove they failed to do so The company that Im disputing is XXXX XXXX when requesting letters from these creditors, they said they are no longer requesting payment because the account has been charged off

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
XXXX XXXX Account numberXXXX XXXX  XXXX Account number : XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and hard inquiries are fraudulent and due to identity theft, which is shown in my FTC report. I have enclosed the following documentation to support this request : FTC Report, CFPB Complaint, Drivers License, Birth Certificate Thank you for your time. 
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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( XXXX XXXXt ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( Gramm-Leach-Bliley Act ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX XXXX XXXX did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
CARRINGTON mortgage did not apply any relief during Covid 19 or forbearance for 180 days. I lost my job XX/XX/XXXX as a Federal Civilian and was charged late fees for over 11 months and was forced to file for bankruptcy. They were contacted via phone for over 3 1/2 years to date and I finally received a payoff statement XX/XX/XXXX after reaching out to a FHA-HUD Investigator who is working on this serious case. 
CARRINGTON has also discredited my Credit Report with all 3 credit report companies ; which is also under investigation with my lawyer.

Without the options to relieve me financially during Covid, CARRINGTON mortgage continue to charge me late fees, ruined my credit and ignored my calls stating I was not in their data base system until I informed them I had legal representation & FHA-HUD investigation involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

4. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXccount Number : XXXX  Update to Open/Never late 9. there is some inaccurate information reporting XXXX XXXX XXXX Account Number XXXX XXXX Delete from my credit report.

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CO NSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The complainant XXXX XXXX respectfully addresses you because in the month of XX/XX/XXXX he received an offer for a credit card from Wells Fargo Bank for XXXX XXXX XXXX XXXX dollars. The complainant says that he has had an account with Wells Fargo for more than five years with a checking account and has good credit. The complainant thought that for those reasons the offer was easy and fast. The offer was " we are sending you a pre-approved credit card for {$7500.00} with XXXX interest and other things with a XXXX fee that looked very nice, it was only the payment of an annual fee of no more than {$200.00} per year and was at the discretion of the bank '' I called and asked if I had to go to a branch and read the contract in front of a banker and they told me no, just sign and that's it because I was selected by the bank for this promotion for being a good customer. The plaintiff says that he never received a notice by mail stating the terms and conditions and that he was carried away by the application and the phone call he made to the bank. Now two years later in the month of XX/XX/XXXX they charge me {$180.00} in interest. However, the complainant made the payment as usual, but with interest of {$180.00} per month. The complainant says that this was a deceptive practice combined with fraud. 
The plaintiff says that in the application they gave him the name XXXX XXXX XXXX and his name is XXXX XXXX XXXX XXXX and now they send him the terms and conditions and they say what he should say before applying.

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 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I receive an email regarding a debt from previous credit union, that I owe {$210.00}. I immediately called XXXX XXXX XXXXXXXX XXXX to ask why I was receiving a letter saying I owe an amount that is inaccurate and that the account have been inactive for several months with XXXX US dollars. They replied that the amount was accurate and that they closed the account. Furthermore, that they couldn't discuss further since the debt was adjusted and moved into the hands of a debt collector. That discontinue the phone call. 

They couldn't explain to me where the amount came from or anything. Basically, told me to contact the debt collector for further information. 
I have received numerous emails from debt collectors about this amount. Recently, checked my credit report, here there was reporting of inaccurate information.

This is a violation of 15 U.S. code 1692, 15 U.S. code 1692 ( C ) ( A ), 15 U.S. code 1692 ( F ) ( 8 ) and 15 U.S. code 1692 ( F ) ( 7 ). As XXXX XXXX XXXXXXXX XXXX and Kinum violated my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXX sent in XXXX XXXXXXXX withdrawal request from my REGULAR savings account, which was rejected. 
XXXX called to ask why it was denied. They said my account was 'under review ' but REFUSED to tell me why. Said I couldn't access the money until they had 'reviewed ' the account and that it would be 3-7 days. NO explanation of why my account is frozen. 
XXXX email from Marcus stating to call them. When I did, and upon giving my personal information to identify myself ( birthdate, social security number, who I live with, and a previous address ), they said I 'failed the authentication test '. This is impossible as I gave them the FACTS of my life that they asked for. They wouldn't tell me what I supposedly got 'wrong '. They immediately said the only way to authenticate me is to send me out a packet that I have to fill out, notorize and send back. I would receive it within 7-10 days. 
XXXX Still NO packet. I called stating I want access to my money and now want to CLOSE my entire account. XXXX said no supervisors were available until Monday, and reiterated what had previously been said. She said she'd try to reauthenticate me another way ; by sending a code to another phone number ( I only have one cell phone number, like most people ), and then asked what state my driver 's license was issued in. When I said, New Jersey, she said, 'no, that's not a state that we can work with. Additionally, she said that on her end she could see that the packet was sent to me, but again I told her I never received it. She said when I do receive it and send it back, it'll take another additional 10 business days on their end to process it after receiving it. So now their delay tactics have cost me an additional month 's interest that I'm losing due to not being able to invest in a much higher earning product. 
Note : I did a search for similar complaints against Marcus through the XXXX  and found dozens of complaints about Marcus holding people 's money hostage with false claims that they didn't pass the authentication. Too many to be a coincidence. 
XXXX Tried to access my account online to see any unauthorized activity that Marcus Goldman may have conducted, but now I have NO access to MY account ; Im completely locked out from even accessing it online! 
XXXX Still NO packet from Marcus Goldman in the mail ( XXXX business day now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am a XXXX XXXX Military member with a Home of Record of Louisiana which is a my state of residence. I provide my orders and XXXX XXXXr Data Summary showing this information. Toyota seems to not know about the Louisiana provision of the SCRA so they are denying my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXXXXXX XXXX XXXX, I submitted a second dispute regarding several inaccuracies and misinformation that is on my credit report. Accounts reporting inaccurately, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX and US Department of Education XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting 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:
On XXXX XXXX XXXX, I submitted a second dispute regarding several inaccuracies and misinformation that is on my credit report. Accounts reporting inaccurately, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX and US Department of Education 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 2024-08-22 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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