vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 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 XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO 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 explanation
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 USCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO CONSUMER TO ANY CONSUMER REPORTING AGENCY. IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-07 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: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accountXXXX from my credit report. 



Account need to be deleted 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 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am getting Repeated voice mail messages from Upgrade a financial services company with message stating this is XXXX calling from Upgrade etc the calls come from either XXXX or XXXX XXXX and have been every day including on Sundays and sometimes two or three in one day. I wrote the company an email message stating I was having a financial hardship and I intend to pay I just dont know when. I added that these repeated calls are very stressful and asked them to stop calling. They did seem to stop calling for a short while during the recent XXXX holiday but have started back up and this amounts in my opinion to harassment. Please find screen shots attached for proof. Please note dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I had an available balance on my checking account of {$5400.00}, and then made a debit purchase for {$4500.00}. The next day, Ally told me that my account was overdrawn by thousands of dollars. But I have a screen shot showing that the money was in my account when I made that purchase. 

I called and disputed this, and they told me that my account would remain frozen until they completed their investigation. They were quite rude. 

I waited over a week, and when they finally unlocked my account, the remaining {$3800.00} I had in my savings had been automatically moved to my checking account and then disappeared. Now I have literally no money in my account because they took it without providing any explanation whatsoever. 

Why did they tell me that I have enough money in my account to cover my purchase? 

If I didn't have that money in my account, then why did they allow the debit card purchase to go through for thousands of more dollars than they say I had in my account? 

They have provided no explanation whatsoever for these questions, and just took the remaining money I had in my account that was completely unrelated. 

This should be criminal and I want my money back and an explanation. 

Every time I call they have just been rude and refused to answer my questions or provide any information.

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 2023-12-07 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: Foursight Holding LLC
State: TX

Complaint narrative:
The vehicle is mine. Purchased in XXXX. THERE HAVE BEEN NO INQUIRIES ON THE VEHICLE FOR FINANCING OR REFINANCING. XXXX are stating an inquiry was made by a company called XXXX in XXXX and this is impossible. They have submitted a fraudulent inquiry on my credit report. They are the furnishers of the inquiry onto my report so they are the ones that have to remove it. It's fraudulent. Didn't exist. Never did. Never will. 

Foursight keep trying to say they are not the ones who put the credit inquiry on my report even though the fraudulent credit inquiry shows XXXX. They also state they don't process credit ( so why is their name on my credit report?! ) ''We don't process credit. Dealers or third parties do. XXXX is a refinancing company. You are welcome to contact them or to do a credit dispute through the credit bureaus. 

''You can not have direct contact with our credit department, and for disputes they will reply within 30 days. '' ''Autopay is an auto loan group that works with other lenders to finance loans, they sent the application in for you, and you received an inquiry from us. You will need to reach out to XXXX, you can find them online, and they can give you more information about it. We have provided you with a dispute response in regards to an application they submitted for you. You will need to contact them for more information about the credit application. '' They then refuse to deal with me via email or phone- ''Our credit dispute/inquiry response are sent via mail in 30 days. The request is sent to our credit department, and they investigate and send out the letters. We can not discuss it further over the phone or via email. You received a letter responding to the credit inquiry. The letter states to contact XXXX since they are the ones who submitted the application under our name. Contact them. '' What does they submitted it under our name even mean?! 

Anyway, there has been no submission by me on a vehicle I already own. No financing or refinancing was made. This is clearly fraud and they are refusing to remove the credit inquiry that is on my report under THEIR name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened ally checking spend account recently after seeing the banner when i login to my ally savings account, that advertise to get {$200.00} bonus when i open checking/spending account with them and receive a direct deposit. so I opened account and meet the direct deposit requirement that they say, but I still have not gotten bonus even after XXXX which is what they advertised.

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 monetary relief
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I had my legal name change from XXXX XXXX XXXX to XXXX XXXX XXXX at the beginning of XX/XX/2023. I received a paper copy of my credit report from Experian with the name XXXX the first few days of XXXX. A few days later my credit score was gone. It didnt go down. Its gone. I tried contacting them and I either get hung up on by a rep or the phone tree. I have never had a call last longer than 5 minutes. They wont tell me anything going on. They also have no as retaliation reported that I dont live at my address even though I have lived here for almost a year now. I have provided every document they have requested and they still refuse to tell me anything. My bank has contacted them and they have told the bank that I have to contact them and that this is an issue with me but no one will tell me what the issue is and they claim its my bank. I just want my credit score back so I can get a credit card so I can get the surgery I have needed for months. I just want to be able to stay alive. That is it. I have no clue what is going on. I have been harassed by employees who have taken my phone number and called me to harass me while they are off the clock. I have been called slurs. I have tried filling complaints. I have asked for a supervisor to call me back daily for 7 months and have never once gotten a call back regarding any of the issues I have had for the last year. I dont know what to do. I will attach pictures of the report they sent me proving my name change and address and credit score before they messed my credit info up so bad I cant even make an account or request a report with another credit bureau as well as the screenshot of what it shows in my account currently

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 2023-12-07 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: FL

Complaint narrative:
XX/XX/2023 a letter was sent to Experian explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved

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 2023-12-08 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}

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 2023-12-08 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}

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 2023-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-12-07 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 U.S.C 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 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 2023-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I wrong my credit and i found a medical collection that is reported by Aargon collection agency for {$180000.00} but i haven't be at the hospital and another one from XXXX XXXX account # XXXX {$960.00} those account are not my

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made a deposit into my account with a check clear date of XX/XX/XXXX, on XX/XX/XXXX I was told my account was being closed without any reason. On XX/XX/XXXX I called the bank to see if my funds were available a representative confirmed the balance to be {$24000.00}. He told me he would put in a hardship claim for me to get my funds from inside the branch since my account was set to be closed and I needed my money, he told me it would take 5 business days to receive a response. Ive called everyday since then for an update with no updates, only answers Ive been given are very basic responses. Long behold today is XX/XX/XXXX and not only have I been told 4 different closure dates, initially being XX/XX/XXXX then after the hardship claim was entered I was told it sped up the closure process & it was set to close XX/XX/XXXX which it didnt. After making contact on XX/XX/XXXX I was told the closure date was set for XX/XX/XXXX then I made contact on XXXX which I was assured it would be closed on this date and only to be told its been extended to XX/XX/XXXX, l but also complete lies as far as having been told a cashier check is being mailed out via ups with a tracking number to be provided. Ive spoken to supervisors only to be told they have escalated it to a further department with no resolution or an exact date. They dont care because it isnt their money but this is unacceptable. My funds are being held without a reason and need to be released to me IMMEDIATELY. Once they decided to close my account without any reason other than it was a banking decision, I am supposed to be able to withdraw all my money out of the account. This should not take 3 or more weeks. I need a resolution in the form of MY FUNDS AVAILABLE INSIDE THE BRANCH OR AN EXPEDITED SHIPMENT OF MY FUNDS VIA CASHIER CHECK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation