vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I recently found out about being in XXXX XXXX I've never had an over draft also not for this bank, I can't open a bank account previously I've had accounts close with banks telling me it's for my protecting my identity which was strange, so I recently pulled my report an overdraft for sun trust bank for over 1200 dollars how's that even possible I receive disability this happened in 2018 I'm just finding out also I've made a police report my identity has been stolen in XXXX XXXX XXXX XXXX  and XXXX XXXX my child support and disability was stolen recently also police report is with XXXX police dept in Florida

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 2022-12-31 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: Experian Information Solutions Inc.
State: MI

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

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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 explanation
Consumer complaint received 2022-12-31 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  ran a hard inquiry : XXXX. XXXX, XXXX  via TransUnion. This was NOT authorized. I attempted on numerous occasions to rectify. This included sending letters and a multitude of phone calls netting me nothing but more confusing and increasingly conflicting advice and data. I additionally tried to fix this via TransUnion. They at least informed me that the hard inquiry was likely in response to a pre approved offer sent to my old address. I have since frozen all of my accounts and put a freeze. I would like this fraudulent hard inquiry removed from my record. 

XXXX XXXX XXXX XXXXXXXX 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 2022-12-31 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: FL

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

Account name : XXXX XXXX # 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 2022-12-31 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: Experian Information Solutions Inc.
State: FL

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

Account name : XXXX XXXX # 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 explanation
Consumer complaint received 2022-12-31 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: EQUIFAX, INC.
State: CO

Complaint narrative:
We are possibly looking to buy a different house. We went to a mortgage company to start the process. They did a " soft pull '' with the credit bureaus. This, I was told, was not supposed to trigger the credit bureaus. The very next day, one phone received almost 30 calls from mortgage companies and others. It has now been a couple of weeks and we are still receiving between 10 to 20 calls a day depending on the day. This is of course EXTREMELY disruptive. Especially when one uses the phone for work and is going to get calls from unknown numbers for work, one can't just ignore the phone. 

We don't have a choice that these companies gather info on us. Why should they be able to do this to us? 20 phone calls a day is an invasion of privacy. 

Help! What can we do to stop this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months.

Thank you very much and i look forw
ard for a possible solutions about this issues.

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 2022-12-31 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
XXXX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2022-12-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt this item was not being reported legally. 
A couple of days ago I received a template letter stating that your investigation was complete and multiple items listed were Verified. 
To my understanding this needs to be performed separately, and not grouped together with other accounts. I also believe that for a item to be " verified '' there are specific details that need to be provided to me, which were not. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX, XXXX, XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 XXXX ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. XXXX has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months. 

Thank you very much and i look forward for a possible solutions about this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months. 

Thank you very much and i look forward for a possible solutions about this issues.

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I have no score with Experian for over 6 months. 

I have tried to get an updated score via calling, sending in updated documents, paying for membership and none have helped.

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX allowed a fraudulent ACH debit to be made on our checking acct - {$390.00} on XXXX - TD has been ineffective in recovering it or providing information on who submitted it - our XXXX fraud dispute filed on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was billed three times for a service, XXXX, and submitted to TD Bank a request to have two of the charges removed from my account. In violation of XXXX XXXX rules and the XXXX XXXX XXXX, the bank decided to credit all three charges to the merchant, and not refund my money. In the process some {$580.00} in bank fees were accumulated and my account was closed as overdrawn at {$380.00}. All of this is entirely due to the revocation of credits I am legally due regarding XXXX 's overcharging my account. A month after my account was closed, XXXX cancelled my account and has now retained, in violation of XXXX XXXX rules and the XXXX XXXX XXXX, all three charges for services never performed. XXXX XXXX XXXX is a collection agency hired by TD Bank to get money out of me that is not owed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting CLOSED and PAID INSTALLMENT LOAN with collection remarks. This was never a collection. 

Date Updated XX/XX/XXXX Payment Received {$290.00} High Balance {$10000.00} Pay Status >Account Paid in Full was a Collection< Terms {$0.00} per month, paid Monthly for XXXX months Date Closed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; PAID COLLECTION Also please remove all non-account holding inquires over XXXX DAYS old. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this.

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 2022-12-31 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: FL

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally consumer right to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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