vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion to give an accurate investigation on XXXX on my credit report. The account reporting open every month. How was this account verified? This in regard to XXXX XXXX XXXX and XXXX XXXX XXXX. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ). PURSUANT 15 USC 6802 ( B ) I Nerlande Volcy, hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. How was this account verified? By who?

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Friday, XX/XX/year>, I was contacted by a collection representative from Chase Bank about two old credit card accounts. Both accounts are out of the statue of limitations in Ohio and both accounts were improperly opened and used by my ex wife without my knowledge. She was in charge of the finances and recently I found out that she opened numerous credit accounts in my name ruining my credit. We are now divorced and due to the time period being out of statue of limitations the police would not even take a report. 

Chase was previously provided all this information but still pursue which is frustrating to me. 

The representative was trying to collect the debt and i advised them again of this information and the fact that it is out of the SOL and they said we wont sue you and then proceeded to offer a settlement. When I told him I could not afford the settlement he was offering. He told me that then my case will be sent to the pre-litigation department for further action. This is a threat and an insinuation that I will be sued when they know they cant do so in order to try to get me to pay. This is a violation of the law and I could sue Chase for this and win, but I just once this to go away as I didnt open or benefit from these accounts. 

I do wonder how many other consumers they have threatened with litigation when they know its out of the statue of limitations?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
I have been trying for over XXXX year to advise XXXX that this account was fraudulent, opened with stolen information,. XXXX keeps advising that the account is verified based on wrong, and stolen information. They verified an address I have never lived at, and an account I never had nor received any financial information on, like monthly statements or tax information, and I established communication with XXXX to advise of this fraudulent account, because they have no information on me, because I didnt open, or have any expressed knowledge or consent about this account. Now XXXX expects me to pay, on their mistake Thank you XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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 FRAUD XXXX ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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:
THIS FRAUD XXXX ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Ive contact the company who is reporting this debt on my credit they agreed to remove this this debt isnt mines Im not aware of this I dont owe any money this is hurting my credit and Ive ask for this to be removed Im also looking to get attorney because Ive been fighting this over a year nothing have been done about this this is false I went to that company that says I owe them and everytime I request for my paperwork they say tell whoever needs it to call them they want give me my own information so I had to call corporate on that office Im really fighting and now someone needs to do something this isnt my info this isnt my debt I really want this off my credit by law if nothing is proven it have to be removed from my credit report and they cant prove it nor do they supposed to sale my personal information I can get my lawyer involved and this is reporting inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank can give me my money in a full amount in my account and not be around me for a payment, if this is the case, I think that this is because they need an opportunity not that I do. If it is not a full payment in my account, then it is not a payment.Citibank is trying to pay me off claiming my own things. Sexual Harassment is also a case with Citibank. Can somebody let them know that I am not their lover nor do I wish to be. Citibank is looking for coins because they are doing bad is why they are messing with my credit. This creates an opportunity for them. A full amount in my account and not a job using my own things that they wish to claim.

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 2024-03-31 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: SC

Complaint narrative:
I have a bunch of hard inquiries on my credit report, I want these removed as I did not authorize these companies to pull my reports. I have already filed a complaint with the FTC as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: UT

Complaint narrative:
NCB Management services have claimed that I owe a debt to them, I have asked several times for them to provide documentation with My signature on it to prove that I owe said debt, they have not provided any documentation at all, I have requested multiple times for NCB Management Services to remove the collection from My credit reports, they have not, I have requested when the debt supposedly occurred and they have not provided that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Need to be able to have access to my Trans Union credit report as the website stated access on a weekly basis

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 2024-03-31 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I opened the account with SoFi ( worst decision I have ever made ) on XX/XX/XXXX and the last direct deposit was made XX/XX/XXXX. I have never taken money out of the account. They froze my account in XX/XX/XXXX stating that my account was flagged for suspicious activity. I called them immediately to request that they unfreeze my account, and the individual I spoke to said it would unfreeze within a week of investigating the activity. I called them several months later on XX/XX/XXXX to see why my account was still frozen. The woman I spoke with said they had no way to directly identify the problem as the department that monitors accounts is different and she could only put in a message for them. She reportedly sent a message asking that they review my account and stated that hopefully this will speed things up. She could not give me a reference number regarding my claim, and did not even provide her full name. As of the date of this complaint ( XX/XX/XXXX ). My account remains frozen. I need access to my money so that I can transfer it to a bank that can provide basic banking and helpful customer service. SoFi is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 U.S. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-03-31 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: GA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has 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 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 2024-03-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } . 

XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the inquiry that was placed on my consumer report on { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } by { Experian } Specified Remedy : Please send payment Via Check Payable to XXXX XXXX to the address { XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX } Yours 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 explanation
Consumer complaint received 2024-03-31 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a bunch of hard inquiries on my credit report, I want these removed as I did not authorize these companies to pull my reports. I have already filed a complaint with the FTC as well.

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 2024-03-31 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: FC HoldCo LLC
State: SC

Complaint narrative:
I have a bunch of hard inquiries on my credit report, I want these removed as I did not authorize these companies to pull my reports. I have already filed a complaint with the FTC as well.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc.
State: TX

Complaint narrative:
I attempted to work with the company but did not receive a response. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has 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 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 2024-03-31 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:
EXPERIAN, is reporting information on my consumer report that is illegal. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX accounts present on my consumer report are all companies that are federally obligated to cease furnishing of any information on me, XXXX XXXX, to any consumer reporting agency. ( I've attached proof below ) EXPERIAN must delete and update the referenced information to avoid breaking any federal laws and avoid being brought into arbitration proceedings. EXPERIAN has 4 days of receipt of this complaint to comply. ALSO PLEASE UPDATE THESE INCORRECT NAMES AND NONMAILABLE ADDRESSES : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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