vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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:
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC identity theft attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
In XXXX  when Equifax and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge Equifax never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-01-10 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to RENT RECOVERY SOLUTI regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, RENT RECOVERY SOLUTI will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was interested in using XXXX older credit card more prominently for the associated benefits, however, the credit limit on these cards was {$750.00}, and {$2000.00} respectively. I had this same issue with capital one last year when they approved me for the walmart card, they only gave me a {$1000.00} limit despite having over XXXX XXXX XXXX then too .... It would appear that Capital One has a habit of rejecting all applications without sending them to the underwriting dept first. 

I use over {$750.00} a week in charges often thus asking for the credit limit increase was a pragmatic attempt to prevent overcharges ... despite having an XXXX XXXX XXXX, no debt, no bills, and adequate income to debt ratio, I was still rejected without any legitimate attempt to consider my credit-worthiness. This would be XXXX times capital one has rejected my applications despite being perfectly qualified for the requests I have made. 

I am attaching the rejection letters for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fix the problem and add car payments FCRA for XXXX XXXX XXXX XXXX XXXX as PAID on time. 
Send me new credit reports.

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 2024-01-10 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: CA

Complaint narrative:
In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email stating that my Checking accounts had been restricted, I then proceeded to call the bank. 

Once I contacted the bank, I talked to a representative whose name I don't remember, but then I proceeded to ask to speak to a manager. I ended up speaking with XXXX, which claimed to be a manager, he refused to provide his last name. He wanted to identify and know some personal information about some XXXX transfers. I am listing the XXXX transactions ( which where all credits ) in the following list : Date / Sender / Amount XX/XX/. XXXX XXXX {$50.00} XX/XX/. XXXX XXXX XXXX. {$400.00} XXXX XXXX XXXX XXXX {$1100.00} XX/XX/. XXXX XXXX XXXX. {$400.00} XX/XX/. XXXX XXXX XXXX. {$500.00} XX/XX/. Yonny Meneses Colon {$130.00} XX/XX/. XXXX XXXX XXXX {$150.00} XXXX proceeded to ask very personal information; such as, what the money was for, where I knew the senders from, if they were considered friends or acquaintances. I even responded to him by saying I had done a personal trip with those persons, and he still wanted to know what the purpose of the trip was, and what state or country the trip was to. He also asked for each individual phone number of the persons, even after I provided him the phone numbers, He said he couldn't match the numbers to the names listed on the XXXX senders lists, I was guessing he simply searched on public records, or a system used by their bank. I proceeded to explain that maybe some of those persons had their phone lines on family plans, which means only the main account holder shows up as the listed owner of the phone lines. He then put on a hold for a few minutes, and simply came back to say that my accounts would be closed and that my banking relationship would end inmediately. 



I believe that the service I received was unprofessional, and that the bank failed to provide me with the assistance I needed. I am extremely disappointed with the level of service that I have received from the bank, and I believe that this is a clear breach of the agreement between us. 
I have been a loyal customer of the bank for over 5 years, and I believe that my concerns should be taken seriously. Please let me know if you require any further information or documentation from me. 
I request that the bank provides a solution, such as an apology, compensation, or at least the immediate unfreeze of the money left in the account. I also request that you investigate the matter and take appropriate actions to prevent similar incidents from occurring in the future.Please let me know if you require any further information or documentation from me. I hope that we can resolve this matter quickly and amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I was checking my credit history with XXXX, XXXX, and Transunion and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. The following transactions are with Transunion : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/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 2024-01-10 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXXXXXX XXXX XXXXXXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported 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 non-monetary relief
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported 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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX XXXX, and TransUnion Consumer Solutions in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.

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 2024-01-10 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: FL

Complaint narrative:
On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC is attached of identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: 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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) section 2 It also states a consumer reporting agency can not furnish accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC ( C ) 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX Ive contacted costumer support from the number in the back about my visa gift card and a possible refund. I was asked to give my full card details, I wasnt aware of how anything worked so I did. Later that same day I checked my account to find that my card was emptied with transactions Ive never made. The customer support representative was the one that had my details and made unauthorized purchases. All the transactions were labeled as pending. Not once have I made a purchase with the card. I called customer support again and had my card deactivated, I was told that the transactions wouldnt be going through and to call again on the XXXX to have it replaced, this is when the funds shouldve returned. I called on the XXXX about it and was told that the funds never returned, I filed a formal dispute that same day. On the XX/XX/XXXX, I emailed to the email they provided for any correspondence for any updates regarding the disputes. I was met with radio silence. Its been a week since then and still no response. Ive lost my trust in the company and just want to get my money back. The total amount on the card was XXXX dollars.

Company response to consumer: Closed with explanation