vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 2023-09-28 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: TX

Complaint narrative:
It has been more than 90 days since origionaly requesting the validation of all fraudulant accounts under section 609 of the FCRA. Validation or removal has not been completed by your company. You have violated my rights and caused me harm of proper place to stay as well as auto service due to the misuse of my credit file from me being a victim of identity theft. 
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NJ

Complaint narrative:
I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The late payment occurred in XXXX of XXXX during the nationally declared Covid-19 Emergency. I called in Target in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with Target since XXXX of XXXX. I think it is egregiously unfair for Target to have reported this one late payment, resulting a drop in my credit score of XXXX XXXX This action by Target has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for Target representatives to say now in XXXX XXXX XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by Covid-19 to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX XXXX XXXX  and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
I am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : 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 I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " 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 have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report 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 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I used to have XXXX. I canceled them once I switched over to XXXX. Everything went smoothly, or so I thought. Months later I got a notice from XXXX that I owed over {XXXX}, I called and spoke to XXXX, who then transferred me to XXXX or XXXX ( XXXX XXXX or XXXX ) about the situation. Turns out that when my XXXX  account was opened, they had a " special '' where you get XXXX free line when you open XXXX. So they opened the XXXX line on the account. This line was never used or activated with a phone because I had XXXX need for it ... and there is a record that that line was never used in over XXXX years that my account was open at XXXX. He let me know that this would be taken care of since I owed them no money, this was an error on their end for not closing down that line as well. 

Another couple of months later I got another letter from XXXX for the same thing, I called and spoke to another representative, a very nice lady, who went over the account and was able to verify that all the original information from my XXXX call was there written. She apologized for the inconvenience and said she would be contacting the original XXXX, XXXX or XXXX, to have this taken care of. I asked her to send me an email confirming this information but she said she couldn't, something about not being able to send external emails or such, but not to worry, it would be taken care of. 

Fast forward another month or so and I get a collection letter from Diversified a collections agency trying to collect over XXXX, a representative of theirs called me to collect the debt, I told her what was going on and that I was not paying anything because I owed no money, that they needed to contact XXXX to get the story straight. She was extremely rude and impolite, but said she'd be sending me a letter regarding the collection which I received a few weeks ago. 

I am at a loss at this point, I don't know what to do because I feel like I am being harassed for money I do not owe. I don't understand why it's so hard for people to do their job. This has brought so much stress in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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 2023-09-28 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 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
Central Portfolio Control is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX  WV for the amount of {$580.00} as of XX/XX/XXXX. They say that the status had updated in XXXX of XXXX, however, when I had lived in XXXX WV, I was a XXXX  mother and me and my significant other at the time only had 1 vehicle in which he would take everyday to work, in PA. I have done the research and XXXX is XXXX and XXXX minutes ( the quickest way ) from where I had lived on XXXX XXXX in XXXX WV. I have been notified that social media sites are selling personal information, and I am most certain that my information was sold and/or stolen. The ONLY hospitals I ever frequented when I lived in WV were the XXXX I went to when I was pregnant. I started out at XXXX XXXX in Ohio as a family member worked there, but then later switched to XXXX XXXX XXXX in XXXX WV at XXXX weeks pregnant due to the fact it was closer and more convenient for us when I went into labor. I have contacted XXXX to place a fraud alert on my account and to dispute this twice now, once on my own and the second time today, XX/XX/XXXX, with a fraud department representative. This absolutely NOT my debt. I would have no reason to travel over XXXX to a hospital, especially without having a vehicle 98 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received an email on XXXX  that an account was opened in my name with Chime bank. It was unauthorized. They closed it upon request. However, if someone was fraudulently opening accounts with my social security number they wouldnt be using my actual email address. I believe Chime illegally opened the account on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
UNKNOWN ACCOUNT REPORTING ON MY CONSUMER 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 explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
UNKNOWN ACCOUNT REPORTING ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Myself and another mom collected money for a fundraiser for our youth hockey team using Venmo. All of the funds were ultimately transferred to me. When I moved the funds to my bank account to cut a check to our organization both my account and the other user 's were frozen and subsequently permanently terminated. Venmo will not tell me specifically what I did that violated their user agreement, or give me the opportunity to explain what transaction caused the problem. There are over 30 other teams within in our hockey organization that used venmo during this fundraising period and no one else has had problems with their accounts.

They have since stopped responding to my email requests, and when I call them directly I am told that I need to email my account specialist and there is nothing else that they can do for me. Their emails have been vague and only refer me to their user agreement which I have read in its entirety, but I still don't understand what I did was in violation. 

Direct text from their last email : We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. However, I'd recommend looking over our User Agreement for information on our policies surrounding acceptable use and high risk activity. You can find our User Agreement here : https : //venmo.com/legal/us-user-agreement/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
there are three charges on my statement that were voided bc i paid cash for the transaction there refusing to take my dispute there following XXXX law not american law in violation of the FCBA please help these charges are almost XXXX charges are XX/XX/05 XXXX XXXX XX/XX/05 XXXX XXXX XX/XX/05 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: DISCOVER BANK
State: MD

Complaint narrative:
I paid {$4600.00} for the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX through XXXX  XXXX  starting XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX sent out and email stating the event was canceled due to XXXX XXXX, XXXX XXXX failure to provide payment for reservations. Despite several failed attempts to contact XXXX XXXX, they finally sent out an email days later stating the event was canceled and they are working to provide a sustainable credit and or refund process. I paid {$2300.00} on my Discover credit card. I filed a dispute and was denied several times. XXXX XXXX sent Discover a fraudulent contract that I never signed stating the event was nonrefundable and a credit for a future trip would be given. In my contract the verbiage states that if the event was canceled due to reasons beyond their control a credit maybe issued. Failure to submit payment for reservations is within their control. Immediately after XXXX XXXX released their statement, XXXX XXXX deleted all of our online accounts. Many of us were not able to retrieve several documents. XXXX XXXX also sent a refund request form on XX/XX/XXXXXXXX  and Ive yet to receive a refund or a credit. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX filed Bankruptcy in California. Also, the trip that I was supposed to be given a credit for in XXXX XXXX XXXX was just canceled. He did the same thing to all of those people. He stole all of our money. Im requesting a credit from Discover for {$2300.00} for services not rendered.

Company response to consumer: Closed with explanation