vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request my consumer report for XXXX and the current month, as well as my consumer file, to be sent to my email address.

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15usc 1681 In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX U.S.C 1681 Section 602 A. states I have a 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 15 U.S.C 1681c ( a ) ( 5 ) section 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.

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 2024-04-16 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:
On XX/XX/2024, I looked at my report. I sent a certified letter and supporting documents to Experian on XX/XX/2024, asking them to reinvestigate personal information, whereas they received documents on XX/XX/2024 : Here is my Tracking Number : # XXXX XX/XX/2024, they sent me their investigation whereas, none of the incomplete information was corrected and still is inaccurate. 
I looked at my report again and everything is still the same. 

According to XXXX XXXX XXXX ( XXXX ) they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Furthermore, according to XXXX XXXX XXXX they are to ensure this ( b ) they are supposed to ensure this Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also, according to XXXX XXXX XXXX ( XXXX ) ( A ) ( B ) ( i ) Accuracy of report. 
( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Experian really did not reinvestigate they lied on an official document saying they did something they did not do. I ask you to delete these accounts due to inaccurate incomplete information being published. I have evidence to prove my case.

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 2024-04-16 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: TX

Complaint narrative:
Credit inquiries that i did not authorized : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Entry on Credit Report Dear Sir/Madam , I am writing to formally dispute an inaccurate entry listed on my credit reports with your agencies. The details of the discrepancy are as follows : Creditor Name : CREDENCE RM Account Number : XXXX Reported Status : Open on XXXX, Closed on XXXX Date Opened : XX/XX/year>. Date Last Reported : XX/XX/year> I do not recognize this account and believe this to be an error. The inconsistency between the XXXX reports and my lack of recognition of this account suggest a reporting mistake or potential fraud. 

In accordance with the Fair Credit Reporting Act, I am requesting that this entry be investigated and, unless it can be verified as accurate, be removed from my credit report. Enclosed are copies of my credit report pages showing the disputed item and any relevant personal identification needed to verify my claim. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I expect a response within the statutory timeframe of 30 days. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: PNC Bank N.A.
State: FL

Complaint narrative:
THIS IS THE THIRD TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS PNC BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Several years ago I put a freeze on my XXXX credit reports due to possible identify theft. I receive frequent emails from Experian but recently they have stated that my " credit is not locked '' and they send information about additional monthly fees for services to increase my protection. This is confusing because my account is supposed to be frozen so I have attempted to call them but only received automatic options which did not address this issue. I tried a different method of going directly to my account. This showed that my account was actually FROZEN. Therefore today, I tried a different number to get clarification but again there were similar options which did not address the issue. I kept trying and finally talked to a representative who confirmed my account was frozen and therefore NOT at risk. He apologized for the confusion but did not offer any solution. I would expect that this is a confusing matter for many people who may opt to pay more for unneeded services. I believe this should be corrected.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX : While out of the country ( in XXXX ), we discovered that unauthorized withdrawals from our checking account in the total amount of {$3900.00} ( 4 transactions - {$2700.00} posted on XX/XX/XXXX ; {$900.00} posted on XX/XX/XXXX ; {$240.00} posted on XX/XX/XXXX ; and {$45.00} posted on XX/XX/XXXX ) had been made. 

On that same day, we immediately phoned our bank from outside the country and was told that we must wait to file a dispute until the withdrawals posted to our account. On XX/XX/XXXX, we filed our initial dispute with the bank. On XX/XX/XXXX, we were advised the bank did not feel an error occurred as the transactions appeared to be authorized because of successful online banking logins and attempts. 

On XX/XX/XXXX, we filed our second dispute with the bank. On XX/XX/XXXX, we were advised by the bank that there was no error as the activity matched our CVV, address, and zip code. 

On XX/XX/XXXX, we filed our third dispute with the bank. On XX/XX/XXXX, we were again advised that an error did not occur as the activity matched our CVV, address, and zip code. 

We then went to a local branch for assistance. The bank manager was wonderful and very helpful. However, it soon became clear to all of us that her hands were tied. She escalated the matter to her manager and then the manager above that person... all with the same results. 

Our argument this entire time was that if a criminal was going to steal our information, that person would steal enough information to make our debit card work or the online banking work. The debit card used for these transactions was in our personal possession in XXXX the entire time from XXXX XXXX XXXX. We have offered to prove our travel to the bank. We have also offered to give our permission for the bank to run our credit report as one of these transactions was through a bank for a loan ( at least that is our understanding ). None of our offers have been accepted. Additionally, we aren't given any other information that " the information matches. '' If something was purchased online, we asked for the IP address of that computer and offered to provide the IP addresses for the devices we have. Additionally, we asked for information on the location from which these transactions originated. Again, we were not given this information. 

We have gone through the bank 's process for disputing claims. This has now been ongoing for four ( 4 ) months, and we continue to VEHEMENTLY deny that we ( or any authorized person ) made these transactions. It is quite disappointing to have one 's own financial institution believe criminals over their own customers/account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Do not use Marcus for home buying deposit. Marcus is on its second business day of a wire submitted at Monday morning XX/XX/XXXX. I told them I needed the funds wired to my attorney 's escrow account because I was a first time home buyer and these were the funds to be used for closing on Wednesday XXXX XX/XX/XXXX. I was told that they may be able to make an exception but typically only wire back to personal accounts. They denied without explaining the exception, even though I asked. They simply repeated that they reviewed my account and will not provide an exception. The funds I was requested to wire are {$150000.00}. They then told me that despite the website language, extracted below, and despite my Marcus dashboard wire tracker stating the amount would be transferred same day XX/XX/XXXX, emails stating I could access my funds by wire same day, I would NOT receive the wire to my personal bank account until 1 to 3 business days. They would not explain how or what would make the process take 1 business day versus 3 business days. They explained that there are two internal back office teams who do two separate reviews, the second review of which as of the time of this writing is still not yet initiated as I've called XXXX times now to ask for the status. The money is not wired. When I ask for information, they have no additional information on what is being reviewed, why the review is taking so long, where in the queue my wire transfer is resting, or when it would be picked up other than to repeatedly tell me that over the phone they've explained that this process, even when an expedited request is initiated, it can still take up to XXXX business days. I'm at risk of losing this home deal and losing the {$52000.00} XXXX deposit because I entrusted my savings to Marcus who advertises that I would be able to access my funds SAME DAY! Instead, the funds have not moved, the first internal review was only just completed, and my funds ( {$150000.00} ) are far from being processed same business day. 

MARCUS " Accessing Your Money '' Website : https : //www.marcus.com/us/en/banking-with-us/accessing-your-money # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, our % XXXX % XXXX % XXXX % XXXX. 

Wire transfers let you send money between your Marcus savings account and accounts you own at external banks in the U.S., U.S. territories of U.S. Virgin Islands or American Samoa, or in/on a U.S. military base or U.S. embassy .

Heres what you need to know about wire transfers To send a wire transfer, please call us toll-free at XXXX, 24 hours a day / 7 days a week. Wire transfer requests made after XXXX pm E.T. or on a non-business day will not be processed until the next business day. 

Please have your Marcus savings account and external bank account information available. 

Wire transfers are subject to our wire transfer security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a complaint thru CFBP online on XX/XX/2024. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT IDENTITY THEFT AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. Yesterday of XX/XX/2024, I received a mail from TransUnion about Identity Theft Related Request letter WHICH I DID NOT REQUEST RECENTLY AT ALL. STOP HARASSING ME WITH MAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX Credit bureau did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.

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 2024-04-16 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: NJ

Complaint narrative:
I am a victim of identity theft on my credit report its showing a capital one credit card was open XX/XX/2018 but I did not open it now its in debt of XXXX $ I filed and sent over a police report as well as FTC report and its still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


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 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

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information has been exposed as a result of several data breaches. XXXX, XXXX, and Transunion is reporting inaccurate information on my credit report - the following addresses should be removed : 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 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 I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX.. I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information 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 2024-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Was already flagged back in 2021 where credit report points decreased then keeps being flagged and points taken off ( decreasing ) which is illegal to keep flagging and decreasing credit score points on the same debt!

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 2024-04-16 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have been a victim of identity theft over the years after my Wallet with all my personal information. 
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

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