vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I sent in a letter around beginning of XXXX stating all XXXX credit agencies have to remove my Bankruptcy Chapter XXXX from my consumer report because the United States Bankruptcy Court stated they do not associate or verify information with the credit bureau so how can this Account/Information be accurate & why is it even reported on my consumer report. This is going against my rights as a Consumer.

I have attached the letter with the United States Bankruptcy Court Stated they dont associate or verify for proof.

Please see attached documents for support 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 2024-05-14 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-05-14 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: WA

Complaint narrative:
Im in disagreement with the account listed below, which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified the item above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-05-14 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Someone Opened an Paypal account with synchrony bank. I did not authorize this account, it was done without my permission. i had this same issue back in XXXX  with the same paypal account. Its a recurring fraud on 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 2024-05-14 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-14 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-14 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Commencing on or around XX/XX/year>2023, I fell victim to a multilayered scam operation orchestrated by XXXX, under the domain name XXXX, which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( s ).

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 2024-05-14 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: SC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.

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 2024-05-14 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: OH

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. 

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 2024-05-14 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: GA

Complaint narrative:
The Account from XXXX XXXX, Account # XXXX in the amount of {$510.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted EQUIFAX by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on the day of 3/4/2024, ensuring that they will remove this fraudulent account. They failed to Comply to the FCRA which has cause significant harm. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, a copy of section 605B [ 15 U.S.C. 1681c-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: WA

Complaint narrative:
I recently reviewed my credit report and identified some inaccuracies that are negatively impacting my credit opportunities. I believe you'll investigate these discrepancies to ensure they are accurate. The account that needs to be investigated is below. 

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 2024-05-14 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: WA

Complaint narrative:
I recently reviewed my credit report and identified some inaccuracies that are negatively impacting my credit opportunities. I believe you'll investigate these discrepancies to ensure they are accurate. The account that needs to be investigated is below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: IA

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. 

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 2024-05-14 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: IA

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. 

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 non-monetary relief
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my file removed. The items I need removed are listed in the report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and preventing me from getting a house. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-14 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: MO

Complaint narrative:
I opened a experience  account i think 2 years ago and never used it or logged in and when i tried logging in it wouldnt let me, yesterday i got a call from a loan company and was asking if i still had the vehicles i told them what vehicles i dont have any they told me i should call credit bureau so i tried logging in experian i was able to login it showed a different credit score than XXXX XXXX and showed i opened account and loaned from XXXX  XXXX XXXX and that i owed i think 2 cars which total i think XXXX, the name on my account showed as XXXX XXXX i think from Texas, I tried login back and it didnt let me i guess the person using my stuff changed password or I dont know but i cant logging nomore i tried talking to someone on the phone from experience  it doesnt give me the option to talk to someone, now i see why i couldnt never get approved anywhere, can you please help me fix this problem

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to file a formal complaint against Truist regarding their unauthorized maintenance fees charged to my account despite assurances that I would be exempt from such charges, since I was being ported to a another account type that does not have these fees. 

On numerous occasions, Truist has levied a maintenance fee of {$12.00} against my account, despite consistently maintaining a sufficient balance in my savings account to waive these fees. My combined savings and checking balance was significantly in excess of the {$1500.00} they claim I needed to maintain, again, despite being told that my new account type does not carry these restrictions. Despite repeated attempts to rectify this issue, the problem persists, causing undue financial strain and frustration. This blatant disregard for their own commitments is both unacceptable and unethical. 

Moreover, Truist agreed to refund XXXX late fees erroneously charged to my account. While they have refunded XXXX of the fees as promised, the second refund is yet to be issued. Surprisingly, their customer service rep stated that she could not see XXXX maintenance fee charges on my account, when in reality, there were XXXX. Despite assurances that they would promptly investigate and rectify the situation, I have not received any updates or communication regarding the status of this refund. When I contact Truist, I am told that they will have a " supervisor '' look into it and that is that. 

This ongoing pattern of incompetence and negligence on the part of Truist has not only resulted in unwarranted financial losses but has also eroded my trust and confidence in their ability to manage my accounts effectively and responsibly. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Truist is held accountable for their actions. I seek a full refund of all unauthorized maintenance fees charged to my account, as well as immediate resolution regarding the outstanding late fee refund. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely,

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 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to bring to your attention an incident involving debt collection practices that have raised serious concerns regarding the handling of my account. On XXXX XXXX, XXXX, I received a call from a number, XXXX, allegedly from Hyundai Motor Finance, despite never having owned a Hyundai vehicle. Subsequently, on XX/XX/XXXXXXXX, my XXXX red Kia Soul was repossessed, as confirmed by Kia Finance of America, prompting me to retrieve the vehicle after paying {$100.00} in cash to the repossession company. 

Despite my attempt to halt the persistent calls by texting the aforementioned number on XX/XX/XXXX, the calls continued unabated. Consequently, I filed a complaint with the Federal Communications Commission ( FCC ) for violating the Telephone Consumer Protection Act. Furthermore, on XX/XX/XXXX, I received an email from XXXX, indicating an outstanding payment of {$660.00} and subsequently made a payment of {$1000.00} over the phone with XXXX, who couldnt verify the debt discrepancy. This complaint was filed under FCC Report Number XXXX. 

Efforts to verify the debt with the collection agency proved futile initially, with necessary documents being unavailable. Subsequent communications on XX/XX/XXXX and XXXX, XXXX, further highlighted discrepancies in payment history and customer communication, raising concerns about the accuracy of the debt. 

Upon contacting customer service on XX/XX/XXXX, I was transferred between departments without resolution, further exacerbating the situation. Despite receiving the requested documents, significant discrepancies emerged, including errors on the lease agreement, which listed an incorrect address with an incorrect city and a zip code that I never lived at or done business with. Additionally, the debt agency kept changing its name from Hyundai Motor Finance to Kia Motor Finance to Genesis Finance without providing a valid address or contact number to reach them. 

I kindly request your intervention to address these discrepancies and ensure compliance with consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Telephone Consumer Protection Act ( TCPA ). 

Thank you for your attention to this matter. I anticipate a prompt response and resolution to this issue.

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