vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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:
I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$4200.00}

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 2024-06-17 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville Collections continues reporting a false collection. They are also falsely representing themselves as ATTORNEYS on the credit report with credit bureaus. The disputed amount was paid directly to and on time to Natural Gas Utility by Title closing company XXXX XXXX at closing on XXXX XX/XX/year> during sell of previously owned property. Numerous attempts to dispute and stop this collection agency from false reporting which has impacted my credit rating have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: FL

Complaint narrative:
I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account # XXXX. This account is fraudulent & I have filed & provided a police report as well as provided a letter of incarceration stating I was locked up during the time the account was opened

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 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is reporting XXXX information on my credit report stating the account was closed then charged off now the account is suddenly reopened and they are reporting late payment and collections they are now reporting the account as open as of XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
No contract or knowledge of a DRS company. No clue to where this debt comes from or why its attached to my name or credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I had no student loans with XXXX I certified mail multiple letters to Experian in XX/XX/year> 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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received notifications of hard credit pull on XX/XX/year> at XXXX pct. Received emails from Capital One about approval for a savorone credit card at XXXX along with additional emails about phone number change and paperless confirmation from Capital One around the same time. I never had a Capital One account before so immediately knew my information was compromised. The emails indicated the credit card was approved for a {$1000.00} limit. I confirmed via XXXX that I indeed received a hard credit pull the same day. I called Capital One around XXXX XX/XX/year> to get more information and was told that there was indeed a credit card approval that matched. They asked for my personal information to submit a fraud claim and I was told that I would receive a response in 60-90 days. I also made accounts on the 3 credit bureaus XXXX, XXXX, and XXXX in order to freeze my credit reports, freezing happened on XX/XX/year> around XXXX. I also called my main bank XXXX to inform them of what happened and they told me that the steps I took were appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im trying to get a mortgage as well as credit and XXXX different companies are not able to pull the credit from Equifax! The file states too large and XXXX credit score which is not correct. The issue is they refuse to remove a XXXX soft pulls from XXXX XXXX and any other soft pull! They refuse to help me they have said XXXX times that nothing is wrong and sends me to the consumer affairs representative who states there is nothing wrong and verifies my information and keeps telling me wait XXXX hours and have them repull the credit. Its been XXXX months and nothing changed is why Im not coming to your business for help! I need a mortgage and they refuse to do the work and research to remove soft pulls. They said they are no freezes which I already knew but I need help! 
Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I had recently disputed this account that XXXX has furnished on the consumer report without any authorization from the consumer nor with my prior knowledge. Experian did not remove the account stating that the creditor had verified the account without providing me the proper evidence of indebtedness that I lawfully requested. I, as a living man know that I dam sure don't owe a debt that I never had with this entity XXXX Reporting unverified information on a consumer report is a violation of the FCRA. It is your duty as a credit reporting agency to conduct a fair and thorough investigation and NOT the furnisher 's duty according to 15 USC 1681 ( i ).

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 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX debt, a old amount that has been paid repeatedly. This is the 3rd time this company has tried to collect on a paid, closed and not active debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony suddenly decreased my credit limit from {$2500.00} to {$830.00}. Just enough to cover the existing balance from a large purchase 7 months ago. The purchase is on a no interest payment plan, payments have been made on time and consistently. 
The decrease forced my utilization from 32 % to 96 %. 
How can these companies be allowed to play with peoples credit as such. It makes it impossible to increase a credit score. 
Decreasing limits and closing accounts makes it appear as the consumer is an irresponsible credit holder.

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 2024-06-16 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX account # 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 2024-06-17 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: TX

Complaint narrative:
I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.

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 2024-06-17 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: CA

Complaint narrative:
My Equifax consumer report has inaccurate information. Report # XXXX. 

I recently obtained my Equifax consumer report from XXXX 

On page XXXX, under XXXX FAMILY SUPPORT DIVISION there are numerous inaccuracies. 
The available credit limit is missing. 
The Payment History information is completely missing from XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. 

It also shows XX/XX/XXXX through XX/XX/XXXX as being XXXX past due. Nowhere does it show 30 days, 60 days or 90 days past due. This is inaccurate. I was never past due on this account because payments were automatically paid. 

High Credit and Credit Limit Information is missing. Amount Past Due and Actual Payment Amount is missing. Date of First Delinquency is missing.

Creditor Classification is missing. Scheduled Payment Amount is missing. Delinquency First Reported information is missing. 

Please make the necessary corrections or delete the account from my consumer report. It is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-17 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: FL

Complaint narrative:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I deposited XXXX checks from my place of employment. The first was for {$1700.00} and the second was for {$710.00}. The first check cleared but and second check for {$710.00} had a exceptional/admin hold place on it. I dont understand the logic because the checks were from the same company. 

I called Truist in regard to the matter and explained my concern and issue because I had bills that needed to be paid. Normally if I deposit check ( s ) on Friday before XXXX the funds would be available by XXXX the next day or no later than XXXX. When speaking with rep I was informed that funded would be available the following day. Now my account shows negative balance It seems like this is an ongoing thing with TRUIST because Truist is holding everyones checks. This is not normal nor is it due to anything we have done. It is faulty XXXX within the company.

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 2024-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was XXXX  on XXXX XXXX XXXX XXXX I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows, Jefferson Capital Systems account # XXXX. This account is fraudulent & I have filed & provided a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was looking over my credit report for each credit bureau and found some names addresses, employer information that are incorrect. To make the process of deletion easier I will provide the information in which each bureau has listed of incorrect addresses, names, and employer on my credit report. 

There should be only one name, one address listed on my credit report. I also noticed my name appears to be misspelled on my credit report. My name only has one correct spelling and there should be no variations listed because my name has no variations.

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 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
( 1 ) Identity was stolen and someone opened multiple Charles Schwab account on my name. 
( 2 ) Apparently Charles Schwab has very low standards. So its used by hackers and fraudsters. 
( 2 ) They used Charles Schwab to move funds from my XXXX account to Charles Schwab and then out from there. 
( 3 ) I contacted Charles Schwab when I saw the issue. Charles Schwab has not closed my account since then. Contacted them multiple times. Accounts are still open. No help on cyber or risk managment from Chales Schwab. 

I stopped by their branch and they dimissed me with an 800 number. 
The 800 number they gave me did not help either. 

My accounts are still open and the hackers are probably still using it.

Company response to consumer: Closed with explanation