vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CONTRACT CALLERS INC
State: NV

Complaint narrative:
I have no idea who Contract Callers Inc is and they just charged my identity {$500.00} illegally. I checked my credit report using the XXXX XXXX app and I couldn't believe that I had a derogatory mark because I cleared all negative items from my credit report last year. I checked the negative item and it was an unfamiliar entity charging me {$500.00} which damaged my credit score by XXXX points and added unforeseen restrictions to myself, my family, and my household. I didn't give away my rights to preservation of consumer claims via any contract or agreement so a ) there should not be any reports placed on my credit profile and b ) there should not be an unknown entity shopping for my personal information and credentials whatsoever. This company has unlawfully acquired my credit extention and has illegally charged me repeatedly for the past 10 months while I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The company appears to have purchased fraudulent/ identity theft debt from XXXX XXXX and is now representing it as occurring in XXXX of 2023. 

This has already been reported to the police and appears to have been resold rather than resolved by 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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
The company appears to have purchased fraudulent/ identity theft debt from Aargon Agency and is now representing it as occurring in XXXX of XXXX 

This has already been reported to the police and appears to have been resold rather than resolved by Aargon Agency.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX pulled my credit on XX/XX/2021 and again on XX/XX/2021. Only the XX/XX/XXXX pull was authorized. 

I called them in the XXXX  of 2021 when I saw the second pull on my report. They have not removed this unauthorized pull as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account has already been verified as INNACCURATE AND REMOVED from XXXX and XXXX. Transunion is still reporting this inaccurate account. I formally request this account be removed from my consumer report immediately due to this account being inaccurate. These are the responsibilities of furnishers of information to consumer reporting agencies to maintain accurate information. The account has inaccuracy for the term duration and never provided original written contract between myself and XXXX XXXX XXXX. I attached my updated consumer reports from both XXXX and XXXX showing that it has been removed as well as the dispute results from XXXX showing that it has been removed.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not listen to your side of the story because you dont certify it to Experian. But I do certify that Experian should not push the same credit card over and over again at consumers when they are looking to improve their 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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have two late credit card payments that I am unaware of I tried to dispute it and they won't take it off I disputed the collections on XX/XX/2023 and XX/XX/2023 for all four credit cards. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have a 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, under 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am writing to dispute a fraudulent account that is listed on my credit report. The account number is [ account number ], and the name of the creditor is PNC Bank. 

I have never opened an account with PNC Bank, and I do not recognize the account number. I believe that this account was opened fraudulently using my personal information. 

I am enclosing a copy of my credit report that shows the fraudulent account. I am also enclosing a copy of my identity theft report. 

I am requesting that you remove this fraudulent account from my credit report immediately. I am also requesting that you notify the credit bureaus of the removal. 

I am aware of my rights under the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Act ( FDCPA ), and the Credit Reporting Act ( CRA ). I am requesting that you comply with these laws and remove this fraudulent account from my credit report. 

If I do not hear from you within 30 days, I will file a complaint with the Federal Trade Commission ( FTC ). 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 In Re of Truist Bank Account # XXXX Amount Taken XXXX Dear Sir/Madam, I am writing this letter to report a serious concern related to an unauthorized garnishment of my bank account by Truist Bank on behalf of XXXX XXXX XXXX 

The garnishment was carried out based on an out-of-state judgement. However, I was never served with this judgement, nor was it domesticated in my home state as required by law. I am unaware of the details of this case or why my account has been targeted for garnishment. The sudden and unauthorized deduction has caused significant financial hardship and distress. 



This action by Truist Bank has not only financially impaired me but has also left me unable to mount a legal defense due to lack of funds. This has effectively left me vulnerable to a judgement that I have not been properly made aware of or had the opportunity to contest. 

Based on some information that trust provided it appeared to be a Texas Debt Collection Agency representing XXXX XXXX XXXX  who is not licensed to transact in the state of Florida and furthermore XXXX XXXXXXXX has never done business in the state of Texas. Hence the requirement of domestication must be met but has not. 

Furthermore, despite numerous attempts to communicate with the bank, they have refused access to the garnished funds without providing a valid court order. I find this situation deeply troubling as it has created an imbalance of power and has denied me due process. 

I am therefore requesting your urgent intervention to investigate this matter and to provide guidance on the necessary steps that need to be taken to rectify this situation. I trust that the Consumer Financial Protection Bureau will consider this matter with the gravity it deserves and help ensure that my rights as a consumer are protected. 

Thank you in advance for your prompt attention to this matter. 

Sincerely, 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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 have no knowledge of this address it is not mines I never lived there please remove it from my credit 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 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am attempting to transfer funds from my Apple savings account ( Goldman Sachs ) to my XXXX XXXX account and my attempted transfers/ withdrawals are being blocked / declined by Goldman Sachs. My hard-earned money is now being held hostage by Apple / Goldman Sachs .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( Experian, XXXX and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity Capital Bank, NFL credit card account users get {$100.00} back in the form of a statement credit if the customer spends {$500.00} net, off-us sales in the first 90 days from account open date. 

I opened NFL credit card on XXXX and on XX/XX/2023 I make a payment of XXXX. 
I have not received my {$100.00} back after I have spent {$500.00} Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX will not listen to your side of the story because you dont certify it to XXXX. But I do certify that XXXX should not push the same credit card over and over again at consumers when they are looking to improve their 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX will not listen to your side of the story because you dont certify it to XXXX. But I do certify that XXXX should not push the same credit card over and over again at consumers when they are looking to improve their credit.

Company response to consumer: Closed with explanation