vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I've been a victim identity theft like there was a phone from XXXX that was opened up in my name multiple credit card accounts and I need help please I just need these account removed I've put in multiple identity theft reports XX/XX/XXXXXXXX balance is {$650.00} open XX/XX/XXXX.XX/XX/XXXXXXXX XXXX bank balance is {$720.00} opened XX/XX/2023 XXXX XXXX balance {$380.00} opened XX/XX/2023 XXXX XXXX balance {$1100.00} opened XX/XX/2023XX/XX/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 2024-05-13 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I have reached out to this debt collector Law Office of Mitchell and explained to them that this is not my debt, I met my out of pocket and deductible for that year ( Which was over 7 years ago ). Then I disputed the debt through the credit bureau 's and then they changed the date of service to this year. The past few weeks they started reaching out to me using my company 's website portraying themselves as a new lead. 

I have included

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2024, I made a payment for the full balance of {$140.00} ( check # XXXX, dated XX/XX/2024 ) to Citi Bank to cover the charges on my Citi Credit Card. Despite receiving my full payment for XX/XX/2024, Citi Bank decided to charge an additional {$16.00} to a checking account that I did not authorize for auto-pay and for which they did not provide me any information. 

Since the account used for the auto-pay was unauthorized by me and unknown, the charges were declined. As a result, Citi Bank charged my credit card {$30.00} for a return fee. When I called Citi Bank to explain the situation, they did not have any answers. I asked them to show me my authorization for the auto-pay, but they did not have any document. I also asked them to provide the bank account information used, but they had nothing. 

Despite all this, Citi Bank insisted that I pay the {$30.00} return check fee. Fearing the potential impact on my credit report, I paid the fee and subsequently closed my account. 

I am requesting a refund of the {$30.00} return fee that Citi Bank unfairly and illegally charged me. I paid the fee out of fear of receiving a negative impact on my credit profile, which I believe was unjustified given the circumstances. 

Thank you for your attention to this matter. 

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 monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had a venmo account that I would use to send money to my girlfriend and her son. After some time my venmo account got suspended with no communication as to why. The app says to check email and when they suspended it I never received an email then. I had reached out to support months ago and they wouldn't disclose why it was suspended. I don't care why it's suspended because I don't care about doing business with this shady business after seeing that they done this to numerous people online. They have my cards stored on my venmo account, social security number, debit/credit cards, phone numbers. I tried to close my account and it won't let me because of my account being suspended.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See doucment attached

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have sent this letter to National Recovery, Under the Fair Debt collection Practices Act ( FDCPA ), I am requesting proof that there is some contractual obligation that is binding on me to pay the following debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION as to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
If any negative mark is found or continues to report on any of my credit reports ( including XXXX, XXXX and XXXX ) by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act. 
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that can be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a count venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.

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 2024-05-13 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: NC

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. XXXX 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 an 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX is trying to collect on a debt that was discharged by the Federal Government. 
See attached 1099 cXXXX XXXX XXXX does not investigate the debt before it starts collection activity.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX # XXXX This is completely unacceptable and violation of the credit reporting laws of the many inaccurancies with this account, ,.How do I have a XXXX of XXXX dollar,,, and my monthly payment is XXXX dollar without reporting any terms with this account..Please delte immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I don't have any information about these inquiries, and the company did them without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MN

Complaint narrative:
Kick off lending said that I used XXXX $ of a chage account and they put it as a write off on my credit report when I never even used the account. I tried contacting them and they won't even show me a statement or anything that I supposably used the XXXX $ on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the XXXX XXXX  Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX fraudulent account XXXX  XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
On XX/XX/year> Aidvantage processed my application to consolidate the following XXXX loans : XXXX XXXX XXXX XXXX XXXX XXXX4900.00} XXXX Direct Loan Unsubsidized : {$5400.00} XXXX Direct Loan Unsubsidized : {$20000.00} XXXX Direct Loan Unsubsidized : {$21000.00} XXXX Direct Loan Unsubsidized : {$19000.00} XXXX Direct Loan Unsubsidized : {$10000.00} The following then occurred : XX/XX/year> : I received a notice from Aidvantage that Loans XXXX and XXXX were approved for consolidation. I received a separate notice on the same date that Loans XXXX through XXXX were listed as in school status and could not be included in the consolidation. 

XX/XX/year> : Payment received added to my XXXX account for {$10000.00} paying XXXX XXXX and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$10000.00}, creating XXXX XXXX XXXX XXXX XXXX for {$10000.00}. 

XX/XX/year> : I submitted an application to XXXX to consolidate and ADD Loans XXXX through XXXX to existing Loan XXXX DL Consolidated Unsubsidized. 

XX/XX/year> : My application request was approved and I received notification from Aidvantage that Loans XXXX through XXXX were ADDED to existing Loan XXXX Consolidated Unsubsidized. 
XX/XX/year> : Payment received added to my XXXX account for {$72000.00} paying XXXX XXXX, XXXX, XXXX, and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$72000.00}. THIS IS WHERE THE ERROR TAKES PLACE. 

The amount of {$72000.00} was NOT added to XXXX XXXX XXXX XXXX XXXX as they were instructed. Instead, the balance XXXX XXXX was modified in error from {$0.00} to {$72000.00}. This amount reflects the total amount of Loans XXXX through XXXX. This amount needs to be REMOVED from XXXX XXXX and ADDED to XXXX XXXX XXXX XXXX. 

Further, the interest rate of XXXX XXXX is currently listed at 7.050 %. That is not the correct interest rate to apply to the consolidation amount of {$72000.00}. Loans XXXX through XXXX interest rates ranged from 4.3 % to 7.05 % and need to be properly weighted and averaged. Once XXXX XXXX is brought back to a {$0.00} balance, all excess accrued interest in error will need to be removed. 

I have spoken to multiple customer service representatives at XXXX. The responses have varied from shifting blame to the University XXXX XXXX, XXXX, and the Department of Education. I have confirmed with all three entities that XXXX bears the full liability for the errors and has the sole authority and responsibility to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I have tried to contact VanillaGift.com. 
I am unable to get in touch with a human to talk about my issue. 
Just an automated option list that does not offer any problem solving Catagory. 

My gift card started.out with {$500.00} on it. 
I was able to use it without any issues until I had a balance of {$85.00} left on it. Then it was denied. This card started being denied in XX/XX/year>2024 and still gets denied today. 
I call and get my balance, The recording says I have {$85.00} balance and my card is active I would be grateful for any help you could give me. 

Thank you

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: TX

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am submitting this CFPB Complaint for the XXXX time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Transunion, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
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