vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: SC

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.

has violated my rights. Or a 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 2024-05-23 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-22 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: SC

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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: SC

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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2024-05-22 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:
To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within 30 days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-05-22 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: OH

Complaint narrative:
Im sorry, but you will NOT dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO GAVE YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOU ARE NEITHER A JUDGE NOR A JURY AND HAVE NO SUCH AUTHORITY. The FTC clearly states that if you receive an FTC identity theft report filed with a law enforcement agency ( including the FTC itself ), you are required to comply with the law. 

This is your final chance to process my identity theft claim properly. If you fail to do so, I will pursue legal action, and you WILL BE HELD LIABLE for damaging my name, credit, and for the emotional distress caused by this issue. Rest assured, the MATERIAL FACTS will become VERY CLEAR, and you will be held accountable for your negligence. 

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 2024-05-22 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: PNC Bank N.A.
State: TX

Complaint narrative:
Since 2019 I have been trying to get PNC Bank to remove their derogatory comments of non-payment from the credit report. The charges were due to identity theft and fraudulent charge activity. I provided detailed information including a sheriff 's report, a police report with the name of the police officer, factual information demonstrating that I could not have made the charges, and an FTC report. I have interacted with PNC Bank many times without success or resolution.

I have requested the investigation information that PNC Bank fraud investigators have accumulated under the FCRA policy, i.e. ; I am entitled to that information so that I may respond directly to the incorrect information obtained and for which the denial to remove their derogatory comment is based from my credit report. 
PNC Bank CEO has refused to provide that information and his representative has informed me that I would require a subpoena and letter from my lawyers. This is incorrect as I am entitled to that information, to dispute PNC Bank 's incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: TX

Complaint narrative:
They violated HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2024, an amount of {$800.00} was sent to an unauthorized individual. In addition, {$1.00} to the same individual was sent as well. Also, on XX/XX/XXXX, there was an additional amount of {$150.00} sent to the same individual mentioned as well. I thoroughly explained that I was not the individual who sent this money and I had to change my login and password credentials to my savings account due to the speculations that someone had compromised my savings account ending in XXXX. I have been communicating with the Wells Fargo and XXXX claims department in regard to this matter. The initial claim was filed XX/XX/2024 and a denial decision was made XX/XX/XXXX by the investigator. During this time, I had to call to check the status of the claim as I was not informed of the steps taken or the reasoning behind the final decision to deny this claim. On XX/XX/XXXX, I faxed over the required documents over to the claim department which consisted of a statement and a police report regarding fraud and identity theft. On XX/XX/XXXX, a decision was made that they would not be refunding my money back from transactions that I had no recollection of. On XX/XX/XXXX, I called once again to follow up on the status of the investigation and the decision to reopen the case as there was never a thorough investigation conducted in this matter.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: NC

Complaint narrative:
Upon reviewing my background check report, I was dismayed to find an incorrect charge listed under my criminal record section. 
Description : Offense description not provided by source Offense Date : XX/XX/year> Disposition : Guilty Court : District Plea : Guilty Court Costs : {$190.00} Fines : {$25.00} This information is completely frivolous and does not pertain to my personal record. I can confirm that this charge is invalid and has been incorrectly attributed to me. This information is not listed on my criminal background. I can prove that this charge is invalid and does not pertain to my personal record. I request that Contemporary Information Corp. ( CIC ) remove the incorrect charge. CIC should not hinder my consumer background report in any way if it can not be supported by evidence. I will pursue legal action against CIC for damages to my background, credit, and reputation, as well as for psychological harassment and defamation. I also request that CIC provide me with competent evidence and documents proving the validity of this information under oath. This is completely inaccurate, and I never gave a public record furnisher consent to report any invalid information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
I've tried numerous times for this company to quit using my credit as they please, they refuse and actually is against the law under chapter USC 15 they are reporting without my permission!! This company is ridiculous to deal with and I WONT recommend this company to anyone!!! I'm so tired of this company reporting my credit as they please every single month! It's sad that this company isn't understanding AT ALL especially when you have recently went through a break up and have been going through a financial hardship and trying my hardest to get back on my feet but I guess unless XXXX is involved they could careless!!!!! I want my account marked as positive and paid as agreed! I'm really trying my hardest but the economics and relationship made it hard! I hope they would find it in there XXXX but I doubt that with this company!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Numerous Bitcoin transactions through CashApp over the past several months were determined by me to be a scam or fraud, so I reported the incidents and have been promised refunds of over {$12000.00}, but NOTHING has ever been returned to me! 

Payments have been Held and these entities have NO legal right to hold ANY payments- but they do it and refuse to provide refunds. I have many Email messages I can share as proof. 

The transactions were done on the CashApp app using Bitcoin. The first responses were communicated to : XXXX That has since been determined to be fraudulent. Subsequent communications have been held with : XXXX, which has promised the most recent refunds. 

NO refunds have been received and I am owed well over {$12000.00}, with interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
There is a negative account on my credit report that only appears in the TransUnion credit report. This account resulted from identity theft, and I have filled out the identity theft affidavit with the FTC. I disputed this fraudulent account with TransUnion in XX/XX/2023. They failed to respond within the legal timeframe of 30 days, and when I requested the method of investigation, they also did not respond. 

I filed a complaint with the CFPB and the Attorney General about this violation of my rights. Eventually, TransUnion removed the fraudulent account from my credit report. However, after XXXX month, the account reappeared on my credit report. I disputed this account with TransUnion again, but, like before, they have not responded to my communications. 

Each time, I have provided all necessary documentation for TransUnion to verify my identity, including my driver 's license, social security card, and a bill statement to verify my address. Despite this, they refuse to communicate with me or show any cooperation in removing the fraudulent account from my credit report. This negative account only appears in TransUnion and has caused me significant stress and mental anguish while TransUnion clearly violates my rights. 

Here is the fraudulent account information, and I have attached all my communications with TransUnion regarding this matter : Creditor : XXXX  ( Original Creditor : 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 2024-05-22 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:
To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within XXXX days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within XXXX days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2024-05-22 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: MI

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list tthis account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the this erroneous information on my credit report : XXXX XXXX XXXX

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: 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list tthis account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the this erroneous information on my credit report : XXXX XXXX XXXXXXXX

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 2024-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( 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 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