vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: MN

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
this company is still hustling, harassing intimidating, harming me hurting me by calling constantly and ignoring the documents delivered to them on XXXX XXXX XXXX  which shows evidence of the fraudulent opening of the account in question. the check shows 3 different writtings on it, the back has no identifying marking of were it was deposited a fake check This company and its employees opened a credit card account illegally without my consent, knowledge or express written consent. this is by far identity theft outright. they claim to be the police and they say they can arrest me if I don't pay them I told them I have NO KNOWLEDGE OF THIS ACCOUNT AT ALL. THEY SAY THAT IF I DON'T PAY THEM WITH XXXX GIFT CARDS OR WIRE THEM MONEY USING XXXX XXXX THEY WILL TELL THE WHOLE NEIGHBORHOOD THAT I OWE A DEBT. I HAVE NO KNOWLEDGE OF ANY ACCOUNT AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am submitting this complaint to CAVALRY PORTFOLIO SERV due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 16810 , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- '' A denial of my open ended consumer credit constitutes to discrimination.

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.

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 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There was a credit account open on XX/XX/2021 in the amount of XXXX XXXX XXXX  which then sold it to Midland credit management. Now Midland Credit management is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than Midland credit management sent me a summons Suing me for this account on XX/XX/XXXX XXXXI have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX received a letter stating that my account was being closed due having an overdrawn amount for an extended amount of time. Also in that letter stating, " Now that the account is closed, you may not reopen it. All services tied to it will also be closed or canceled. This could include your debit card, funds transfers, bill payments and overdraft protection. If this account is used to protect another account from overdrafts, be sure to set up a new account for protection. Outstanding checks and other transactions that come in after the account is closed will generally be returned unpaid. We may reopen the account to accept a debit or credit and will notify you if we are required to reopen your account to accept such a transaction. '' ( My account was overdrawn due to fraudulent activity on my account which I am still disputing with the bank. I filed an appeal and called in several times seeking information on how the bank came to their decision against my dispute ) I received a refund deposit into that checking account on XX/XX/XXXX for {$780.00} which the bank did not send to me. On XX/XX/XXXX and XX/XX/XXXX I received two more deposits which went to my closed account which the bank refused to send to me, instead they reopened that account and deposited them into the checking account to cover the fees on the account. I did not authorize the bank to do this, instead I requested the deposits to be sent to me. 
Seeing the fact that I had fraud on my account which caused it to be overdrawn with fees and closed I don't believe that I should have to endure losing money while the fraud is still in dispute. If the bank account is closed and there is a balance owing, and just like any other creditor, I should be able to control where my money goes. The funds that I have lost thru these deposits has made a signifiant impact on my life. I am on SSXXXXI as my main source of income. I do not have job or regular source of income. At the time of this happening I was on unemployment. The deposit that came in were to help pay for my basic needs to survive. 
Recently a bank representative reached out to me with the title of Bank Advisor stating they work close with the CEO 's office and they were going to look into my account. It's been almost a year since this account has been closed and there is no reason that any of this should be happening. 
I intend to reach out to the FBI to provide them with the proof the bank was unwilling to take from me showing communication I had with the person whom scammed my account and any other agency I can in the hope that I will no longer be negatively affected by this seeing that I was the target of a scam and was victimized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, accounts XXXX, have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: WI

Complaint narrative:
There is information of a credit card that is closed on all three of my credit reports for a synchrony bank citgo credit card. 
I was a victim of identity theft and would like the account removed from all three bureaus

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 2023-08-29 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: FL

Complaint narrative:
I keep asking them to verify and investigate my account they failed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
XXXX amount {$810.00} they put on my XXXX XXXX XXXX XXXX credit report I reach out to them as well & put in writing for the same information & please remove them from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have reached out 3 times to Chase Bank to make sure they knew I didnt authorize the money taken out of my account. On XX/XX/29 I told them that when I was on the phone with the Fraud department as the event was occurring. I told them that the fraudsters call me, said they were from Chase Bank and they were going to help me figure out why I am not getting my Fraud Alerts consistently. They told me they would send me 2 text alerts that show a fictitious fraud on my account. I was to say yes to the first text and no to the second text that way they could verify I received the fraud alerts. I did as requested for the first text and the next text never showed up. Red flags did not go off for me at this point as they text messages came on the same phone number as the regular text that Chase has used before when there were fraudulent purchase attempts. However, after I responded to the first text the money started dropping from my account. They reassured me they would put the money back that they were testing the account. I knew something was wrong and put them on hold while I call Chase bank and told them I was being robbed at that time. They fraudsters hung up when I put them on hold. I found out later that a card was taken out in my name and shipped to a building in XXXX, IL. I didnt approve that either nor did I get a text message informing me this was done. There were 4 XXXX purchases for each for XXXX this should have been enough to prove it was Fraud, but Chase bank said that the Fraudsters had the card and the pin to get the items. Chase said that I had to have given it to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Violation of 15US Code 1692e. 
This is another formal complaint to XXXX, Equifax and XXXX that XXXX Bank is reporting inaccurate and incomplete and misleading information. Also, you are violating 15 U.S. Code 1692e - False or misleading representations federal law 1692 ( e ) ( 8 ). FCRA violation : Law 1692 ( e ) ( 8 ) Communicating any persons credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Failing to report an account disputed by the consumer as " disputed '' to the credit reporting agencies is a violation. I submitted a dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card Account # XXXX and XXXX Card Account # XXXX. The date of the last reported update was XX/XX/XXXX. I submitted another dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card # XXXX and XXXX Card # XXXX. The date of the last reported update was XXXX/XXXX/XXXX. The deadline for adding consumer comments has passed for date of submission as per federal law. As of todays report, no comment of consumers dispute is notated on credit report as this is a violation. No feedback has been provided regarding the investigation. Attached you will find results completed by Equifax confirmation # XXXX, Equifax confirmation XXXX and XXXX and XXXX credit reports, as no remarks/comments written that consumer is disputing these accounts. Please be sure to review EQUIFAX CREDIT FILES # XXXX AND XXXX XXXX creditor reported updates were made but they did not reflect in the report. No investigation was completed at either request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Account opened without my knowledge, I never applied for credit. Disputed amount {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: PA

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute and seek assistance in rectifying inaccuracies present in my credit report, which I believe violate established consumer protection laws. I kindly request the Consumer Financial Protection Bureau 's intervention in addressing these issues and ensuring that my rights as a consumer are upheld. 

I am deeply concerned about the following violations that have adversely impacted my credit report : Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Unauthorized Inquiry by XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : I have no recollection of authorizing this credit pull, and I demand its removal. 
Incorrect Account Information by XXXX Account Number : XXXX Violation : The account 's name and number are questionable. I urge for clarification or immediate removal from my credit report. 
These violations deeply resonate with me due to a personal experience that I feel compelled to share. In [ share personal story here ], I have experienced firsthand the far-reaching implications that inaccuracies in credit reporting can have on one 's life. The financial stress, emotional toll, and loss of opportunities I faced due to erroneous credit information left me feeling helpless and unfairly treated. This experience reaffirms the critical importance of accurate credit reporting and the necessity of consumer protection laws to prevent such situations from occurring. 

Given the gravity of these violations and the tangible impact they can have on individuals ' lives, I earnestly request the Consumer Financial Protection Bureau 's assistance in enforcing the legal framework that safeguards consumers like myself. I kindly ask that you work diligently to ensure that the relevant creditors investigate and address these violations in accordance with the law. Specifically, I urge for the prompt removal of the unauthorized inquiries and the unverified account from my credit report. 

I appreciate your attention to this matter and the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights. I look forward to your timely response and the resolution of these violations. 

Thank you for your time and consideration. 

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
The bank dime closed my account and issued a cashiers check which I never cashed and not its voided I need a new check since it expired with my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: EQUIFAX, INC.
State: WI

Complaint narrative:
There is information of a credit card that is closed on all three of my credit reports for a XXXX XXXX XXXX XXXX XXXX 
I was a victim of identity theft and would like the account removed from all three bureaus

Company response to consumer: Closed with non-monetary relief