vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft inquires to be removed : 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 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

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 2024-05-23 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: TX

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I found out the creditor didn't give the required XXXX-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On about XXXX XXXX, I made a transfer of {$10.00} to my friend using my online banking account, then I received a Fraud Detection email from BOA and then my online account has been locked. I tried to contact BOA many times, but they replied to me I have to visit the financial center of BOA in US in person to unlock my account. 
The problem is that I was a graduate student in US. I have graduated and left US and am currently in XXXX. I am not able to go to US in person easily. ( For this reason, the current US phone number and US address on my account are one of my friend 's in US for convenience. ) I think the request of BOA is not reasonable. The lock of my account is due to BOA 's system mistakenly, so it's their duty to solve my problem, not to cause more problem to me. 
I believe I can provide any information they need to verify my identity. There are many ways to check my identity besides going to US in person.

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 2024-05-23 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: NV

Complaint narrative:
My student loan accounts, account number ( s ) : XXXX with the balances of : 1. {$1100.00} 2. {$1200.00} 3. {$4000.00} 4. {$1600.00} are showing " closed '' status. They should reflect an " open '' " payed as agrees '' or and " payments do not begin until XX/XX/year>. '' I am currently in school and these loans should reflect active status. TransUnion is inaccurately reporting my student loan accounts. I have attached my experian credit report as it up to date and shows what TransUnion should be reporting.

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 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I was sent a text message from a place saying that I owe money on a parking ticket from 7 years XXXX, Municipal Collection Services has business of yours in its office. To make a payment please visit us at https : //www.mcsipayments.com using account number XXXX or for additional information please call XXXX for assistance. To opt out text STOP I call the number ( XXXX ) and a woman stated that I owe {$330.00} for a ticket from an area I never visited. After doing some research, I found that the number that texted my phone was " XXXX '' led to a website for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Company XXXX  XXXX XXXX AUTHORIZED FOR { Passenger, Property, XXXX  } : This will list the specific this company. 
Please advise. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Im a victim of identity theft someone use my identity to create these accounts on my credit profile I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ccuracy elevane. and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
attached accounts are not mine, please help in removing this no proof has been sent. and inquiries are not mine. Identity theft attached along with my id and social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a transaction using my debit card password, on XX/XX/XXXX at XXXXXXXX XXXX in a company called XXXX, the transaction was carried out successfully only once and the bank charged me twice, leaving me with a Pending balance WITHOUT BEING ABLE to use it, for almost 15 continuous days, and I called to complain that they had charged me twice and they told me I had to wait ... without giving me any more options when I need my money and I paid it only once... I went to the store where I made the payment and they gave me a separate receipt from the first one where they showed me that it was a mistake by the bank in charging the transaction twice. because they only have one payment and which has already been posted to my account successfully... this is not the first time that it has happened to me with payments that I make with an XXXX banking institution that they charge me double for a single transaction and leave me without money for 15 days continuous... I attach to this claim the proof of receipts and photos of my online banking... thanking you for your help... please... I am tired of this bank abusing my conditions as a customer. and today I called customer service and managed to speak with a supervisor named XXXX who laughingly told me that I had to wait ... without giving me any more options and mocking my desperation for needing my money to pay my bills, this call I made it today, XX/XX/XXXX at XXXX XXXX this being my second call in what I have been waiting for my money to be released... I need my money please!!!!!!

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 2024-05-23 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-23 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: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-23 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: NV

Complaint narrative:
Identity Theft, never open a account with XXXX XXXX or XXXX XXXXXXXX XXXX. A balance on credit file with Equifax must be removed as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
My Credit Karma Money account is randomly scheduled to be closed. I just received credits for a dispute and now I dont have access to my money. Credit Karma will not give me any information on this. They will not allow me to transfer my funds. They wont speak with me on the phone anymore. I cant transfer my funds to a different account. Credit Karma will not give me any information other than my account is scheduled to be closed. I believe I am also being racially profiled as they will not unlock my account or allow me to transfer funds. I have had no issues with this account as far as me being able to access my funds. Now that I received a huge deposit they lock my account and wont allow me access also while withholding information. Credit Karma approved my dispute and issued my funds back to me. Now they are not allowing me access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to file a complaint against Capital One concerning their handling of my credit card account after my XXXX XXXX XXXX account was compromised due to a data breach. 

Before the closing my Capital One credit card account, I contacted both Capital One and XXXX XXXX XXXXXXXX and arranged a conference call to ensure that Capital One was fully aware of the situation. Despite this, Capital One reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX XXXX  XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: AZ

Complaint narrative:
To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXXccount XXXX : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS FIRST XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX IN Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it 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 2024-05-23 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: TX

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 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 2024-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> my online Bank, Goldman Sachs Bank USA notified me that my account was gone be closed. 
Nobody ever gave me any reason why. 
I only find out about the closing, because I was going to deposit more money and I was not alowed. 
On XX/XX/year> my account was finally closed but the bank never gave me back my money ( {$1000.00} ) plus the interest gain. 
I have call so may times for almost 4 months and the only answer I got is that my check is been process. 
I need help to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I agreed to have XXXX install a system, they would own, on my roof. They would provide electricity to XXXX, local electric utility, which would reduce/eliminate my bill. I would pay $ XXXX. 
After 18 months XXXX installed and turned on system ( seemed long ). Began to charge me $ XXXX. I objected to the new cost. XXXX ignored my hard copy mailings. Made harassing phone calls demanding immediate payment. 
After 6 months XXXX shut off the system. 
& demanded I pay them {$37000.00}. 
I have an attorney to deal with that, however... 
XXXX turned the matter over to Caine Weiner, a collection agency, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I have demanded an accounting of the debt from Caine Weiner. 
They have ignored several certified mailings. 
The failure to provide an accounting is the matter foundational to this complaint now

Company response to consumer: Closed with explanation