vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

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 2024-08-11 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: NC

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 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 2024-08-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi CFPB, On XXXX, XXXX, 2024, my card was charged by a company in XXXX, but i have been back to XXXX for over 3 years, i will attach my XXXX travel history in attachment. It is absolutely a fraud activity. 

But the wells fargo refund me for one transaction but not the other one. I don't know why, the two transactions happened in the same day in five minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the fraud department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

Sincerely

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : 1. Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed.

2. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA.

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA.

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information.

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Additionally, I request that the CFPB publish this complaint or the details of this case, ensuring that my sensitive information is redacted. 

Thank you for your assistance in protecting consumer rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
As the company failed to respond to my request for debt validation within the legally stipulated duration, this is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I have had and still have a savings account with Goldman Sachs Marcus for over 6 years and am XXXX XXXX XXXX and have lived at the same residence for 20 years.. I have requested them to transfer a sizable amount to an Insurance company for the purchase of an Annuity for myself and my wife at a specified guaranteed date related rate. All requested funds have been in my account for years or, in the case of recent funds, they have been directly transferred in by the US Treasury and have been posted by the bank. When I called the bank to confirm the transfer the bank said they had a " security, verification problem ''. I asked what it was and they say\id they could not tell me. I gave them EVERY piece of identification they had including ss numbers, phone numbers, password, special word id, etc, etc. they literally DO NOT have any other records of identification so there is no further way they COULD identify me. This same problem has occurred with other depositors in the last several months according to XXXX complaint reports. My funds are now locked in their bank with no recourse possible by me. This delay can cause me substantial hardship financially because I stand to loose the guaranteed rate offered on my annuity for over the next several decades. they first transferred the funds then recalled them the same day for no given reason. The funds were all previously cleared and posted as being " available '' by Goldman Sachs. I have screenshots of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
I sent the company certified letters XX/XX/year>, requested proof under under the laws of UCC 9.505 as well as State XXXX and XXXX statues. They were given 15days to provide proof and they fail to respond. 
Under UCC : 1. 9-506. EFFECT OF ERRORS OR OMISSIONS.

2. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

3. 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

4. 9-613. CONTESTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

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 2024-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I usually receive a lot of notification from XXXX XXXX and also XXXX about 43 inquiries in my credit report i already report that with them cause i didn't give my information to them so i want to remove all the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

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 2024-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
there's been a data breach I see activities on my credit report the I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt from me in Wisconsin without being legally licensed to do so. Their actions have violated my rights under several federal and state consumer protection laws. 

Details of the Issue : XXXX. Unlicensed Debt Collection : PRA is not licensed to collect debt in the state of Wisconsin. According to Wisconsin state law, any entity engaged in debt collection must be licensed by the XX/XX/XXXXDepartment of Financial Institutions. PRA 's failure to obtain this license renders their collection efforts illegal under the Wisconsin Consumer Act ( Wis. Stat. 421.301 ( 9 ) and Wis. Stat. 427.104 ). 

XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : PRA has engaged in practices that violate the FDCPA, including : 15 U.S.C. 1692e : Making false or misleading representations regarding their legal right to collect the debt.

15 U.S.C. 1692f : Using unfair practices by attempting to collect a debt without proper licensing.

15 U.S.C. 1692g : Failing to provide proper validation of the debt upon request. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : PRA has provided inaccurate information to credit reporting agencies, damaging my credit report. They failed to : 15 U.S.C. 1681s-2 ( a ) : Ensure the accuracy of the information reported.

15 U.S.C. 1681s-2 ( b ) : Investigate and correct inaccuracies after I disputed the debt.

4. Violations of the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 : PRAs actions constitute unfair, deceptive, and abusive acts or practices ( UDAAPs ), violating the CFPA. The CFPBs prior actions against PRA, including significant penalties for similar practices, underscore their continued non-compliance with the law.

5. Violations of the Telephone Consumer Protection Act ( TCPA ) - 47 U.S.C. 227 : If PRA has used automated calls to contact me, they may also be in violation of the TCPA, which restricts the use of automated dialing systems and prerecorded messages.

I request that the CFPB take immediate action to investigate PRA 's illegal collection practices and enforce the necessary penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2024-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello Its been over 30 days and the creditor has not updated the information Nor has Provide proof Or documentation regarding A late payment. They have not supplies this information And they must delete this allengen late payments On my credit report. Under federal law They had 30 days to Complete the investigation and by falling to do so, the item must be deleted from The report 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 2024-08-11 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: NJ

Complaint narrative:
As the company failed to respond to my request for debt validation within the legally stipulated duration, this is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As the company failed to respond to my request for debt validation within the legally stipulated duration, this is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2024-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
USC 15 1629c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt im not liable for this debt with XXXX XXXX i dont have a contract with the I.C System they did not provide with the orginal contract as requested.

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 2024-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to Bank of America to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check

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 2024-08-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I went to XXXX  XXXX XXXX to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NC

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 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 2024-08-11 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: NC

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 2024-08-11 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
Company opened a credit card without my authorization. It is illegal company to open a credit card in my name without my explicit permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation