vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax data breach. I want all items deleted from my credit report effective immeditialy.I am attaching proof that Equifax admitted i was in fact a victim of this data breach and Equifax has done nothing in return.Please help me delete these illegal accounts from my credit report My life has been going down hill since my information was stolen and i havent been able to get back on track since.Listed below is names of account that affected my credit and been apart of the stolen identity.

Equifax Engament number is XXXX affected accounts due to stolen identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XXXX, I received a Venmo from a family member for my daughters XXXX program. On XX/XX/11, I received a Venmo with {$1300.00} for XXXX XXXX XXXX for XXXX family members. While trying to set up a bank account transfer, my account was suspended with no explanation. I sent in a photo ID as they requested, I requested a phone number for customer service, I requested to know why my account was suspended and received no response. There is now {$1500.00} frozen in my Venmo account that I cant access because my account, that I barely use, was suspended. Venmo should have to provide their consumers with basic information surrounding their accounts with suspensions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these were not authorized I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked i'm providing a identity theft report that I will attach to this and im requesting these to be removed because they are inaccurate and not mines.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I purchased a gift card with case at a XXXX a mile from my office. I used that gift card to make an online purchase. Shortly after making the purchase the merchant notified me that their payment XXXX had flagged and blocked the transaction. I was asked to provide personal information -- my usual e-mail address and cell phone number -- I provided the information along with a copy of the purchase receipt proving I had purchased the card but the XXXX refused to allow the payment to process. The merchant initiated a refund over 3 days ago but the refund is not processing to the card. Instead there is a second payment for the same amount listed with a status of " pending. '' There is no way to reach the card issuer in any way and I have made extensive efforts to do so. The merchant has provided a routing number for the refund, XXXX XXXX XXXXXXXX, but the issuer of the gift card -- Vanilla Gift -- has absolutely no way for a consumer to contact them to describe and remedy this situation. The end result is they have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
During the XXXX  of 2021, I received credit report alerts, I became aware that a loan service called AFFIRM had two purchases attached to collections that occurred XX/XX/2021 and another XX/XX/2021 totaling {$830.00}. I contacted the company AFFIRM to get some information on why I was being sent these late payment notifications and I was told it was for two purchases. I contested any purchase and charges from AFFIRM that are not accurate. These charges have not been authorized by me and have not been proven to be received by me. I have no knowledge of this account and never had opened any loan nor signed up for AFFIRM. I requested more information about where these purchases came from and who has been verified to receive such goods or services from AFFIRM. I demanded proof of how AFFIRM verified accuracy and compliance for these purchases and information such as what was done with regards to investigating these purchases on their end. I am needing some information on how this investigation was performed and how a determination was verified. I have spoken with an XXXX Police detective and was told that this was a common occurrence of identity theft during pandemic period. If I attested the loan, I should be provided more information so they can also perform an investigation for me. I am also simply requesting a call so I can be explained what type of information I would have that could help, mostly how did I disperse the loan Affirm claims I used. I would like to file litigation against the false reporting by AFFIRM because I have not been given any documentation on how such information has been verified. I was told an investigation would be performed by AFFIM support and was not notified that this would be accessed to a collection agency and would like to resolve this as nothing has been done to rectify my claim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MO

Complaint narrative:
2 Notifications from Experian at XXXX XXXX and XXXX XXXX they say disputes are ready ONLY THING IS THESE DISPUTES ARE ON ACCOUNTS I PAID IN FULL MONTHS AND YEARS AGO THIS IS COMPLETE NEGLECT AND FRAUD

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 2024-01-12 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2023 there were XXXX unauthorized withdrawals from my Netspend Skylight One account totaling {$920.00}. There were XXXX withdrawals for {$400.00}. each and a third for {$120.00}. While running errands in my neighborhood, I stopped at XXXX XXXX to purchase soil and other misc. gardening items needed at home. At checkout my transaction was declined due to insufficient funds, I tried again and again my transaction was declined. I stepped aside to check my account to confirm I did in fact have money in my account and instead saw there had just been XXXX withdrawals made at the local XXXX located down the street from the XXXX XXXX I was at. Upon noticing these transactions I immediately left XXXX XXXX and drove over to the XXXX, I spoke to the staff there and the information they were able to help with was a video showing the customers processing transactions at the ATM Machine located inside their store during the time my account was illegally accessed, which they agreed to release once a police report was filed on my behalf. ( Please note : My bank card and pin were never lost or stolen. I had just tried using my bank card a few minutes before at the XXXX XXXX which was declined due to insufficient funds ) As discussed/agreed with the staff at the XXXX store, upon completing and filling a Police Report with my local police department I was able to obtain a copy of the video. 

I also contacted the bank Netspend skylight reported the fraudulent withdrawals to my account and requested an investigation along with information on how to request a provisional credit. A claim was promptly opened and the instructions on how to request the provisional credit were provided. The credit request was completed and submitted to the bank as instructed on XX/XX/2023 via email. 

On XX/XX/2023 an email confirming receipt of the claim and providing a claim number was received from the bank. 

XX/XX/2023 received an email from the bank stating no errors were found based on their investigation stating they were unable to determine an error occurred. Findings were based on records show the disputed activity occurred near regular areas of activity such as city where I live and shop. Also listed was " XXXX disputed are consistent with account activity '' " Records show that the PIN was not changed prior to the prior of unauthorized usage. Their investigation also concluded that an authorized person benefited from the transactions.

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 2024-01-12 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-12 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: NV

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-12 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
I earnestly request that you take this off my credit report since it doesn't belong to me and is completely false.

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 2024-01-12 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: LA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
i RECENTLY BECAME AWARE OF UNATHORIZED FRADULENT ACCOUNTS. WITH NO PROOF OF ORIGINAL LENDERS OR SIGNED CONTRACTS. FEDERAL BROKEN LAWS OF 15 US 1681 " PERMISSIBLE PURPOSE '' PERSONAL INFORMATION USED WITHOUT CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/2023 ( attached ) because I was being harassed by a debt collector I was not familiar with. Upon my own investigation I learned I had fraudulent activity on a card that had been maxed out. I explain the situation to your company through this platform. after XXXX tries, you all admitted fault and said you would remove all damaging and harmful items/listings accounts/etc. THAT STILL has not happened and I have waited more than patiently to allow your company to cure the claim that I had. The account is still open, there are still statements being created and a balance on card I never used. Upon making an account to further investigate, there is an {$85.00} PAYMENT from my account that should have been returned upon you all seeing that this account had been fraudntly used. I have continued to be harmed, abused and no concern for my credit reputation that has been damaged or the harm that has been caused and you have continued to WILLFULLY cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: WV

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i RECENTLY BECAME AWARE OF UNATHORIZED FRADULENT ACCOUNTS. WITH NO PROOF OF ORIGINAL LENDERS OR SIGNED CONTRACTS. FEDERAL BROKEN LAWS OF 15 US 1681 " PERMISSIBLE PURPOSE '' PERSONAL INFORMATION USED WITHOUT CONSENT.

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 2024-01-12 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile 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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2024 at XXXX XXXX  My phone rang and it was my bank I answered after the called twice. They said my card was flagged as someone was trying to use it in Georgia. I stated I am not in Georgia please put a freeze on my accounts. The woman sounded VERY believable and said she was freezing my accounts. She stated she was sending me authentication codes to freeze the account and she needed me to give those back to her, I did as they came from the same thread my bank always texts me from. 
About an hour later I get an email from my bank saying the wire transfer was successful. I called my bank. No one from the bank had called me that morning I had been scammed. They took {$10000.00} from me and wired it to a XXXX XXXX  with the account name XXXX XXXX. 
The bank said they were doing a wire recall of the money ( Ive received no information or confirmation about that ) and that hopefully they could get my money back but if not it wasnt their problem. 
My XXXX is XXXX. That money was my XXXX XXXX XXXX  and it is wiped clean. I have no idea what my bank is doing to help or if Ive even been calling the bank or if the scammers are having my calls forwarded directly to them. I feel so alone and XXXX. Please help me. I dont understand how this wire went through I do t understand why my bank isnt helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation